This blog has been getting a lot of great questions and comments lately, it’s wonderful to see. I love helping people make their decisions about health care sharing ministries and whether it’s a good fit for their needs. Sometimes I check in with the main office to confirm that I’m passing on correct information. Each time I am awed by the incredible support and caring in the person on the other end of the line. You can tell that Samaritan really wants to help their members.
I am struck by the stark contrast to the insurance industry. Even insurance company recorded messages are a slap in the face. “Exact benefits cannot be determined until a claim is filed.” Seriously, they won’t help you find out if something is covered until after you’re on the hook. (How are you supposed to make an informed decision if they flat out refuse to help?) And you can bet during that time they are looking for every possible loophole so they don’t have to pay. The “Insuracare” clips from the movie “Mr Incredible” aren’t far off, based on past experiences I’m quite sure they try to deny as many claims as they can.
Samaritan on the other hand goes out of their way to make sure members get the help they need. The guidelines are clear and easy to understand and there for anyone to read. They don’t need a translator. If a need doesn’t happen to fit the guidelines (pre-existing, doesn’t get to the $300 mark, etc) then you can submit those bills as a special prayer need. The guidelines are written in such a way to make it easier to get the necessary treatments, not harder. Your doctor doesn’t have to beg for permission to treat you (which wastes a ton of time and makes your doctor want to quit his job), and you don’t have to worry about rejection. Samaritan is like a warm blanket. Supportive, helpful, and always fulfilling the laws of Christ. I feel so bolstered every time I talk to them.
In this incredibly unstable time in the health care industry I encourage you to examine HCSMs as an option to insurance companies. As far as I’m concerned they are a far better solution for us, but only you can decide that for your family.