At this point I don’t know how we’d ever go back to insurance. Being a Samaritan member has spoiled us. The thought of being on insurance sets my nerves on edge, even if the premium happened to be cheaper than our family share rate, which doesn’t sound like that’s ever likely to happen.
- Samaritan’s wait time on the phone is shockingly low. Even during their busiest times a long wait with them is about 5 minutes. Not over an hour like with insurance companies. Usually I wait less than 60 seconds. How can you beat that?
- Samaritan’s staff is astoundingly friendly. I’ve had nice insurance people, but they can’t pray with you on the phone like Samaritan does. The people at Samaritan exude a genuine caring that you can feel. I hang up with a nice warm fuzzy feeling. I think it’s called joy. 🙂
- Monthly cost is much less than insurance. Currently about 1/3 of typical insurance premiums offering a worse deductible.
- “Deductible” is much less than insurance. A personal responsibility of $300 that can be reduced to nothing? Astounding. Compare it to $4000-$12000 insurance deductibles and you can’t believe your eyes.
- If you ask someone at Samaritan if something is shareable, they can actually tell you. Unlike insurance who constantly told me they didn’t know until I filed a claim. Gee, thanks for nothing Mr Insurance Rep. I waited on the phone over an hour to be told you don’t know and can’t help me? Samaritan has the answers and there’s no guessing game. I like that so much.
- I don’t have to be angry as a Samaritan member. I don’t have any battles over miscoded treatment, test denials, treatment denials, or frustration over feeling like a number instead of a person. With Samaritan I’m not only a person, I’m a child of God and I’m treated as such. The difference is night and day.
- Samaritan introduces me to the needs of others. The monthly newsletter takes me outside of my own world view and shows me that others have a need and I can help with my monthly share and my prayers. It’s personal, and grounding.
- I can have a relationship with Samaritan. They genuinely care about their members.
- I won’t lose sleep at night worrying about costs or bills. Samaritan is there for us. Even for the really big or drawn out bills. Over and over I read member stories about how simple the sharing process is, how supportive Samaritan staff are, how helpful they are with getting reductions if needed, and how quickly members were able to pay off all their bills. What else could we really ask for?
- Samaritan follows biblical principles and stands with Christ. Its a solid foundation I believe in and can count on. Insurance stands only for profits.
- Samaritan’s website is simple, and their online account area actually works. Unlike the ACA website which blows up and puts our financial lives at risk.
- Samaritan’s guidelines are online in a readable typeface and of reasonable font size, and it doesn’t try to confuse me.
- Busy work is easier. Need to update your address or remove/add a family member from the membership? No problem. With insurance it apparently takes several months, a paper blizzard and an act of Congress to accomplish anything.
- My doctor doesn’t have to ask permission from anyone else to treat me (only I have to agree). This shouldn’t be such a big deal but with today’s insurance environment it really is. Watch the look on your doctor’s face when you tell him/her “you don’t report to an insurance company when I come see you.” Your doctor gets to be a doctor instead of an insurance secretary/pencil pusher.
Other members could probably add to this list, but I truly feel spoiled by this ministry for the reasons above and more. The sad thing is everything should work this well and this logically. The simple truths and honest helpfulness of Samaritan shouldn’t be a surprise or a rarity. Yet they are. For that I am even more thankful to have found this ministry and had the good sense to join it.