We didn’t know about Samaritan Ministries until after our children were born. If we had been Samaritan members we would have paid almost nothing for the birth of our children. The maternity coverage under Samaritan is better than any insurance company plan I’ve ever seen, with the exception of maybe military plans.
With a really good employer insurance plan we still paid about $1500 out of pocket for each birth. I thought it was great at the time.
Samaritan has no co-insurance, and the personal responsibility of just $300 can actually be reduced to nothing if we get at least $300 in discounts. For mothers who deliver at home they waive the $300 portion immediately regardless of discounts since home births are so much cheaper anyway.
Insurance companies don’t reduce your deductible and they don’t often pay 100% of charges after that. I’m thinking never. Samaritan publishes everything beyond that $300, and since I know my hospital’s discount policy for self-pay patients, we would have gotten at least $300 in discounts so our final tab for each birth would have been…. $0.00
What if you are already pregnant and want to join Samaritan? Glad you asked. 🙂 Insurance wouldn’t typically be helpful there at all, but Samaritan will publish the expenses for that pregnancy as a Special Prayer Need and members would send you additional money out of the goodness of their heart. Many members have had quite a bit of the amounts paid for this way, although SPNs are not guaranteed or required.
Hands down, Samaritan’s way of handling maternity needs is the best I’ve ever seen. Logical, helpful and compassionate.
(updated Nov 2016 with latest data)