Medicare for All thoughts

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Posted by admin | Posted in ACA-Obamacare | Posted on

The Samaritan newsletter this month has some great articles I would encourage you to read. The issue of Medicare for All is very frightening to me. Samaritan addresses the problems with many of the myths associated with this idea, not the least of which is physician wait times. It’s already taking far too long to see a doctor is many parts of the country and that will only get worse under the Medicare for All scenario.

Electronic health records were supposed to be the saving grace for efficiency and make health care so much better. Instead it turned into a digital nightmare. Doctors spend more time working with poorly coded software than they do seeing patients, for some their patient time was cut by more than half. This contributes to longer and longer doctor wait times and will not be better if Medicare is the new norm.

Those who love the idea of a nationalized health system deliberately leave out just how much taxes will go up. The government paying for something doesn’t make it free. Where does that money come from? It comes from the people. From us. The only way to do that is with higher taxes. Medical staff don’t work for free. Covering the costs of putting everyone on medicare will be astronomically expensive.

To read more about this please review the blog post Samaritan wrote and reference the book by Sally Pipes, The Top Ten Myths of American Health Care.

Open Enrollment begins today (Nov 1 through Dec 15)

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Posted by admin | Posted in ACA-Obamacare, Samaritan Perks | Posted on

Ok everyone, get your track shoes on, open enrollment for health insurance starts today, November 1, and runs through December 15. As this is one of the most nauseating days of the year for its fascinating “train-wreck” numbers analysis I am able to report that this year was no exception. Our quoted insurance plan options went up again (shocker) and most importantly, the total cost for premiums plus maxing out the deductible officially crossed $40,000. So if we actually need to use the policy to it’s full potential we would cough up over $40,000 in medical expenses (plus premiums) that year. Oh, but wait, we would get free physicals. Pfffft, sorry, that’s not free! I’m still more than happy to pay for a physical out of pocket to save that much money! If you want to see the breakdown for 2019 please click here.

People, this really isn’t funny, because even though we are supremely blessed to have Samaritan in our corner, we are paying these high costs anyway through the products are services we buy. Hourly rates for local businesses keep climbing because of their cost to cover health insurance for themselves and their staff. The world we live in is getting more and more expensive and it’s all riding on the back of health care. Something has got to be done about this.

Samaritan Ministries and its members are working hard to keep health care costs in check. While members are getting discounts, Samaritan is also starting a new pilot program to help ensure we get fair pricing for every submitted need, because it’s not just the discount that matters, it’s the final amount billed which affects our bottom lines.

We are so thankful for our Samaritan membership. I honestly don’t know what we would do without it. If you are in need of something more affordable that offers amazing support and financial provision please download the free Samaritan information pack and feel free to browse this site for tons of information about our Samaritan member experience.

Insurance Still Increasing by Double Digits for Many

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Posted by admin | Posted in ACA-Obamacare, Samaritan Perks | Posted on

News articles are reporting that some states are already seeing requests by insurance companies to raise premiums for next year by double digits again. Maryland is the first state to see it, with increases anywhere from 18% to a whopping 91%.

ref: http://www.baltimoresun.com/health/bs-hs-insurance-rate-requests-20180507-story.html

Maryland is scrambling to come up with a reinsurance option to help offset this, but even if their plan works it will still mean a very large increase for those residents. This would be the 4th year in a row for very large increases on insurance premiums. The new tax laws removed the individual mandate for 2019, but high premiums and no mandate means that thousands more will go completely without any financial safety net should their health struggle.

Healthcare sharing ministries offer an alternative that is worth investigating. If you fear a health event without any financial protection, but can’t afford insurance premiums or don’t agree with the morality of the coverage, then consider a sharing ministry. These ministries offer a MUCH cheaper solution to the issue of health care cost management. There’s no need to walk around unprotected and in fear of the next sprained ankle or that a big event could wipe you out. Samaritan Ministries offers extremely affordable monthly share costs, and offers a logical alternative to high insurance. Members pay for their own yearly physical, but the tradeoff is not having to pay thousands per month for your premium. The costs savings are huge, but even more importantly, the emotional and spiritual support goes up 1000 fold. Members have an advocate in their corner with Samaritan Ministries. They no longer have to wade the complicated world of medical billing alone. It’s an amazing system and one that I wish everyone could experience. More and more people are joining ministries as membership to ministries overall has skyrocketed to over 1 million people. It’s no longer that odd-ball idea, it’s a fully tested and functionally successful model for more than 3 decades.

We’ve had two medical events paid for through our ministry membership. There was no high left over deductible, in fact, 100% of our bills that we turned in were covered and covered quickly. No one can say that about insurance payouts. And we had no headaches with Samaritan. They were friendly, supportive, helpful, and offered support on an emotional level that an insurance rep just cannot do. The process for submitting our bills was fast and easy online, and payments arrived less than 60 days later. We joined Samaritan more than 4 years ago and have never regretted it. I encourage everyone to look into whether join a healthcare sharing ministry could be a cost saving, and peace inducing solution for your family’s health care needs.

Want to know more? Click here for a free information packet!