alternative health "insurance" with samaritan ministries

We are often asked about what we do for health insurance, since Shawn and I are both self-employed. For many small businesses, freelancers and self-employed people, traditional health insurance is very expensive and typically very complicated in terms of what is covered. We have continued to check rates on private insurance over the years, and it is much more expensive than Samaritan, especially now that we have a family of 5.

The reason I put "insurance” in quotes above is because Samaritan is not technically health insurance. It is perfectly legal, though!

Samaritan Ministries is essentially a very organized response to Galatians 6:2: “Bear one another’s burdens, and so fulfill the laws of Christ”.

Samaritan is a large group of like-minded believers who share their medical bills and essentially pool their money so that they can alleviate other’s medical bills, and then in turn, have their own covered when it is time. It’s truly a beautiful, Biblical way to handle a major burden, and our family has been blessed by this ministry over and over.

I’ve written about this subject several times on my blog before, but it is time for an update. We have been members of Samaritan Ministries since 2012, and have had a baby and several larger medical procedures since.

A few things you need to know about Samaritan:

• It is not technically insurance, but it is perfectly legal

• You do have to sign a yearly commitment to attending church and living a moderate lifestyle.

• It is NEED-based, meaning it is intended for use with individual medical needs, not chronic conditions.

• Rates for families of 3 or more do not increase with additional children (yay!)

• You’ll likely be paying out of pocket for any needs under 300.00 (well checks, etc.), so you will need a small savings account for those purposes.

• Some medications are not covered (birth control being one), and some medications will not be covered after 120 days

• Dental/Vision is not included

• You can do everything online- it is so easy!

You can view current rates here: https://samaritanministries.org/membership-levels

Our family currently does Samaritan Classic, and we do opt-in to the Save to Share program, which allows us to submit needs over 250,000.00.

Samaritan is FOR YOU if:

• You aren’t finished having babies. Samaritan has GREAT coverage for pregnancy and childbirth- everything was covered for us when Liv was born. One caveat, though, is that they will consider pregnancy a pre-existing condition if you sign up while pregnant. So, if you’re thinking about having children, go ahead and sign up before you get pregnant. :)

• You have more than 2 kids. We love that the rates stay the same for families of 5+.

• You aren’t generally sick, or only go to the doctor a few times a year. Being with Samaritan has changed my approach to healthcare, and I have started incorporating some more homeopathic remedies into our lifestyle before rushing to the doctor. I have learned how to treat a fever or ear infection at home without needing to go to the doctor (of course, I take my kids if/when it gets bad enough!), and I feel more in control of our options, and our health. It’s been empowering, honestly- to know I can take care of my kids. That being said, it’s been wonderful to know we can go to the doctor if we need to, and it’s covered. We don’t worry about the cost any longer.

• You are self-employed, work at a church, or looking for an alternative to the crazy that is healthcare in our world right not

• You can handle paperwork (it’s not that difficult, it’s just different). Being “self-pay” puts you in a whole other category as far as health care providers go. We have been shocked to find that the self-pay rate at many providers is 40-90% less than the insured rate. YES! We have actually received a 90% discount on a surgical procedure before, just because we are “self-pay”. Guys, if that doesn’t reveal that they system is broken, I don’t know what does. This does mean, however, that in many ways you will need to be in charge of the paperwork. Samaritan will ask you to submit your bills for every need, which means you have to obtain and keep up with the paperwork (this is clearly a struggle for me, haha- but I have learned and thankfully Shawn handles this most of the time!).

Major Benefits:

• No limits on network. You can go to ANY doctor you choose. I think this is so freeing and I love that I have the ability to research and take my kids to the best doctor for their needs and not worry about being in-network.

• Low cost. Compared to all of the other options out there, Samaritan’s monthly costs are low. Much of this is because of:

• The Karis Group. This is an advocacy group that Samaritan utilizes to lower medical bills for their members. Yes, that is right! More than once we have benefitted from the Karis group. Recently, Shawn had an emergency appendectomy and the bill totaled over 17,000.00. We sent our bills in to Samaritan, who then sent them to the Karis group, who researched and negotiated that amount FOR US down to just over 5,000.00- all of which will be covered for us by Samaritan members. Friends, I don’t know how much better it can get than that.

• Prayer and notes of encouragement. Samaritan encourages their members to pray over the needs they receive each month. This means that we receive an actual person’s name and medical need each month, and pay our share directly to that person. It is really a cool process to be a part of- both on the giving and receiving side. We have been prayed for and had the honor of praying for others in their time of need. I will never forget the time a Samaritan member sent me an incredibly kind note and Christmas ornament after we submitted some bills from a miscarriage. It was such a powerful picture of the body of Christ holding each other up.

• Other perks- like getting to vote on the board of directors and share increases (when was the last time your insurance company asked you for your input on its leadership?), and the Special Needs Adoption Fund (of course we love this!).

• Occasionally our monthly rate is lowered because there were overall a lower amount of needs. Isn’t that awesome?! We never pay more than we need to.

• GREAT customer service. I will never forget being brought to tears when I was trying to deal with our insurance company after having our son, Knox. I was pushed around to several different people, didn’t understand the terminology, and felt helpless. I don’t ever hesitate to call Samaritan, because I am always able to speak with a helpful person, who usually ends up praying with me before we get off the phone (not kidding- it’s awesome!).

• Discounts of prescriptions. Samaritan has a prescription discount card we have found very helpful. I have also learned to ask for generic prescriptions from our doctors or remind them that we are self-pay, so they usually give us a less expensive option (sometimes even free samples so we avoid having to get the prescription at all!)

Unfortunately, part of the reason Samaritan works so well for its members is because it has some restrictions in place to keep costs down and the community of one heart and mind.

Samaritan is NOT FOR you if:

• Do not attend church, uncomfortable with asking a pastor to sign your need form (required to submit your bills)

• Smoke

• Have pre-existing conditions (yes, this includes pregnancies that begin before you are a member). Sidenote: we did learn that some pre-existing conditions can be considered “healed” or no longer an issue with a doctor’s note saying that the symptoms no longer exist or you haven’t had issues for a long period of time.

• Need monthly medication covered. This partially falls under pre-existing conditions, and the fact that they typically only cover medications up to 120 days after prescribed.

I hope this has been helpful! Feel free to comment with any questions you may have, or give Samaritan a call.

We will get a referral discount on our monthly share with Samaritan if you put my name (Lissa Anglin) in the referral space when you sign up. We are big fans of Samaritan and I’d be sharing regardless, but I so appreciate it if you include my name.

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having a baby with samaritan ministries • updated real-person review

It may be that with a new year, many people are updating/changing their healthcare plans, or that our government just instated a rickety healthcare plan of its own (cough, cough), but I have had a ton of questions about Samaritan Ministries lately. So, I figured it was time to write a little update. I'm going to do my best to include some of the specific things people have been asking me along with my personal experience (the only thing I am really the expert on). With this season of life, we are expecting a new baby in March (yay!), and so this review will focus heavily on the maternity need we have submitted. Hopefully I will answer many of your questions as to what that looks like.

For those just hearing about Samaritan, you may want to check out my previous blog posts first:

When we'd just signed up + when we'd been with them about a year. 

Samaritan Ministries is a "biblical, non-insurance approach to healthcare needs". Basically, it is a large group (over 38,000 households) of like-minded (Christian) people who have committed to sharing and meeting their healthcare needs by pooling their funds monthly, instead of sending a premium to a traditional insurance company. We've been with Samaritan almost 3 years now and though we would not consider ourselves "sick people", we have shared 9 needs- one emergency room visit for our son, several miscarriages, bronchitis, and now a maternity need.

There are several things you need to know before you jump ship with your traditional insurance company and sign up with Samaritan. 

It is a different mindset. You can't treat Samaritan like your traditional insurance company, because it isn't your traditional insurance company. There are very specific things they don't cover (which are clearly stated in their Guidelines- you can read them all here). They do not cover medical treatment that is not need-based. For example, my family was required to get routine physicals when we were applying for adoption. Because none of us were sick, and the physicals were not a result of any sickness, Samaritan did not cover those. The good news was that we still got a self-pay discount for them- we were just not able to submit them to the group. 

Samaritan members as a whole have a proactive view of how they handle medical costs. Essentially, we are self-insuring, which has shifted our perspective on how we consider medical needs. I do feel more like a steward of our funds- sending our monthly share to a real person, considering costs and different types of treatment- whereas when we had traditional insurance, I always felt the victim- heading to the clinic in panic mode and then after all was said and done making phone calls to our insurance company to see how much they were going to cover. 

You must be able to keep a savings account (I would suggest around 300.00) to help with the cashflow of your medical costs. Samaritan does not accept needs less than 300.00- which means if I need to take Knox to the pediatrician, I know I will be paying a 50.00 co-pay plus whatever medicine he is prescribed. These visits would not qualify for submission, and so having that small savings account makes a huge difference and lends this momma some security knowing I can take care of my son should he get sick.

I love lists, so to keep it as short and sweet as possible I'm going to do some more pros and cons like I did in my last post.

CONS:

• As I mentioned before, certain things are un-shareable. When we submitted our maternity need for this baby (more on that in a second), we had about 1200.00 in bills for genetic testing (i.e. bloodwork that looks for down's syndrome and other genetic defects). Because this was optional for us, and not testing that was specifically prescribed by my doctor because of a concern she had, they weren't able to include those bills. Samaritan did say that if I had a letter from my doctor stating a concern and a need for getting those tests done, they would then be considered need-based and submittable. The silver lining is that we were still able to get a lower self-pay rate from the lab that did the testing and Samaritan is going to include those bills as a Special Prayer Need when our other bills are submitted for those members who want to give above and beyond their monthly share- so we could end up having a portion of those paid for. 

They also do not cover conditions that exist before you become a member. This can be a major let-down for people with diabetes or other conditions that require regular medication/maintenance. Again, they will submit those pre-existing conditions as Special Prayer Needs.

• The need submission process can be straight-up frustrating. Perhaps it's pregnancy brain, but I had one hell of a time getting our maternity need submitted- not necessarily because of Samaritan, but because our medical providers aren't used to working with groups like Samaritan. Because we are self-pay, my doctor and hospital both require full payment before delivery. Thankfully, Samaritan allows us to submit needs before the baby is born (this is actually a pro, not a con), but holy moly- it was rough. As I said before, we have two hospitals in town- one that is very self-pay friendly, and one that is not. Of course, my OB-GYN, whom I love, only delivers (and offices) at the latter. So, when it came time to collect receipts and bills for routine OB visits, it was a pain. Samaritan requires that all bills have 1) my name, 2) an itemized listing of what I paid for (lab tests, ultrasound, etc.), 3) any self-pay discounts received, 4) the total before the discounts. The receipts I was given by my OB's office were essentially credit card receipts that only had one payment amount and the date. After attempting to get the type of receipt I needed from my OB office, I called Samaritan in frustration. They were very helpful, and I ended up making a special trip to my OB's office where I had to have an office worker write out the missing information by hand on every bill. Yeah- not for the faint of heart...because every medical office worker wants to be interrupted by that "self-pay lady" who needs you to hand-write every discount on her receipts. :/ But we got it done, and Samaritan accepted those bills.

The hospital has been another thing. When I inquired about the process of having a baby there and being self-pay, they said they'd mail me the "maternity discount packet". I literally laughed out loud when I received it in the mail- it was a stack of papers, typed out entirely in ALL CAPS, that read "MATERNITY DISCOUNT PACKET", with no hospital logo or even an organized cost schedule. It simply listed the amount I'd pay were I to have a c-section, and the amount for a vaginal delivery, along with some other procedural information. I was skeptical that Samaritan would accept it- but they did! Praise the Lord. 

PROS:

• New Online Member System. Recently, Samaritan got a new online member system that will allow me to log in and view our needs, shares, and lots of other helpful info. Here's a screenshot of our last need, when I had surgery for the gynecological condition that had caused several miscarriages. 

Just an interesting side-note- with this need we actually had about 900.00 in overages that were paid to us after additional self-pay discounts we received, so we got to send that money to other members. It was such a neat experience to send the money we'd saved to other people we knew needed it.

 I really like the system so far and have found it very handy for updating when we receive checks and send our shares monthly.

• Submitting a Maternity Need. One of the biggest reasons we had for considering Samaritan was experiencing the birth of our son, Knox, with traditional insurance, and also seeing some close friends also have a baby weeks later without maternity insurance (they were self-pay, and not Samaritan members). I so appreciate our friends' transparency in this aspect- we had the same OB and delivered at the same hospital just weeks apart. I was shocked to realize that in the end, we paid over 3,000.00 more for our birth than they did- and we were the ones with "great insurance"! Seeing that difference really made us question why we were doing what we were doing and really prompted us to start looking into other options.

I stated before that because we are self-pay, both my doctor and hospital require pre-payment. Thankfully, Samaritan allows you to submit a maternity need before the baby is born. We were able to submit all of our bills for regular OB visits, bloodwork, and an estimate from both doctor and hospital for the actual delivery in September. Our need will be published in January, which is when we will receive checks from other members. It's at that time that we will work to pay any currently un-paid bills along with the pre-payment for the doctor and hospital. There will be additional bills after the delivery, and we will just add those on to our current need at that time. 

• No increase in "premium" with a new baby. It's incredibly relieving to know that our monthly share (or the equivalent to a monthly insurance premium) will not be going up after we have this baby. Because Samaritan members get to vote on share increases, and we are already at the highest share bracket (currently 405.00 per month for families with 3 or more people- you can check out current rates here), we know exactly what our share amount will be. We do participate in the Save to Share program, which takes care of needs greater than 250,000.00- and have only had to add an extra amount of 10.00 or 20.00 per month a few times for those needs. 

• Reduced Shares. Likely because of all the new members signing up, we have experienced a reduced share amount for the past couple months. Essentially this means that the amount of member shares coming in has been greater than the needs submitted, and so as a result, Samaritan reduces all shares that month by a percentage. This month, our share was reduced by 8%, which was a 32.40 savings for us. That is a reflection of being a part of a not-for-profit organization- when was the last time you heard about a traditional insurance company lowering premiums because they could?!?

• Again, the Karis group. Samaritan employs the help of the Karis group (at no cost to members) to help seek additional reductions on bills from medical providers. Basically, when we submitted our recent maternity need, Samaritan identified the bills where we did not receive a self-pay discount and contacted the Karis Group to advocate with those providers on our behalf (with our permission). They take care of the scary negotiating and work out a plan for you. It is amazing. This does not mean that I don't still have to ask for a self-pay rate and/or different payment plans. But in the case I receive a bill from a provider who has not offered a discount, it is really great. 

• It really is a blessing to give. I really can't overstate the difference it makes mentally and emotionally to send your monthly share to a real family and a real need. We know every month to whom our money is being sent and what need it is meeting for them. I'm not sure it gets much more biblical or practical than that. Our need this month will be going to cover the costs of a one-year-old's ear tube surgery (something we were very close to needing for Knox a couple of years ago)....and, the check I'll be writing is to a mother named Liv (the name of the babe currently growing in my belly). Coincidence? I think not. :)

Considering signing up? Here's what I would do:

Call your regular doctors/hospitals. One of the most popular questions I get about Samaritan is how the self-pay system works. It is different for every provider. For the ones you frequent (like your pediatrician), I would just call and ask "what if"? We have two hospitals in our city, and while both provide excellent care, one is significantly more self-pay friendly than the other. What I mean by that is- they are more willing and more used to dealing with people that do not have insurance, and already have billing systems and self-pay discounts set up so that payment is clear and easy. 

Download the Application Packet.  You will need to fill out the application packet that asks some interesting lifestyle/personal questions such as how often you attend church and how much you consume alcohol (remember- different mindset! One huge benefit to this group is that they can say "no" to an applicant, which keeps the group healthier as a whole and costs down- unlike the new Affordable Care Act). A pastor/staff member at your church will also have to sign your application (like they will with every need you submit). 

I'd love to answer any questions this post may have spurred in the comments section- so don't be a stranger! If this review has helped you at all, we would love to be listed as your referral when you join. Thanks for reading!

the footwork & frustrations of a self- pay patient

You're about to get an ear-full about the healthcare system. To me, it's really a boring topic and I've generally avoided discussion over it. There is enough in the media about ObamaCare and the Affordable Healthcare Act to make me go mad. However, several circumstances have given me an interesting perspective on it and I feel compelled to share it. :) 

If you're just catching up, you need to know that my family does not have health insurance. Technically, we are "self-pay". No, we are not irresponsible- quite the opposite. We have been a part of a Christian bill-sharing group, Samaritan Ministries, now for 2 years. Basically, we commit to sending others in the group our "share" (i.e. what we would be paying traditional insurance- around 370.00 per month) in order to help them with their medical needs. When we have a need, it's our turn, and the others in the group send us money. You can read more about Samaritan in this blog post. Sounds a little crazy, but it really works, and it's been a great fit for our fully self-employed family.

I recently had a day surgery to fix an anatomical issue that was causing me to have recurring early miscarriages. The surgery itself was a breeze. Paying for it, however, has been more like a obstacle course. 

Before the surgery, we were given estimates on what our costs would be, from the hospital where the surgery was performed and from the doctor. This, of course, was just an estimate- they wouldn't be able to give us the real costs until after the surgery (you know, in case they decided to take my kidney out. Yes, that is actually something I had to sign off on- the chance they'd "get in there" and decide I needed my kidney removed).

I even made a few deposit payments. One of the things I have been most shocked by after becoming a self-pay patient is the generous discounts most providers will apply automatically. Self-pay patients typically get a discount of 40% off the billed amount. When I went in to the hospital for my pre-op appointment a week or two before the surgery, I was informed that as of January 1 2014, the discount for self-pay patients has gone from 40% off, to 71% off. WHAT?!?! I felt like I had won the lottery. And at the same time, a bubble of disgust grew in my stomach. 

While extremely thankful for the major increase in discount, I remembered what it felt like to be a loyal, responsible, traditional insurance-paying citizen with a very high deductible. There is such a great chasm of difference between the way patients with traditional insurance are billed vs. self-pay patients. 

I have mentioned before that one of the tougher parts of being a self-pay patient is the footwork. I have learned how important it is to PAY ATTENTION. Three weeks after the surgery, I spent a morning going to the various offices with the intention of gathering my bills (Samaritan requires itemized bills reflecting any payments or discounts) in order to get them submitted to Samaritan for reimbursement. While I was successful with some billing departments, others basically scoffed at the idea of having a bill "so soon" after the surgery. I called more offices than I can count. Just when I thought I had gathered all the bills from my doctor and the hospital, I remembered that there was likely one from the anesthesiologist as well (something I'd have not thought about had I not already had a baby and received an epidural at the hospital). Tracking down the anesthesiologist was a joke. My doctor's office did not know the name of the doctor nor could provide any contact information. I joked that I should have gotten her name and number right before I slipped into that I-just-had-5-margaritas feeling at the beginning of surgery! 

Finally, almost 2 months post-surgery, I was able to acquire bills from the anesthesiologist, the doctor, the lab, and the hospital. And guess what? The bills are a total mess. Some of the same charges are listed on two or more bills. Some bills reflect the payments I've already made. Some reflect a self-pay discount. Most don't. 

Upon reviewing one of the bills, I realize I've been charged twice for two different anesthesiologists on the day of my surgery. The same amount of 1190.00 for each. What???

I call the billing department. I'm told I have to call the business office for those physicians. (This is very common.)

I call the business office. The very nice lady on the phone explains that because my hospital is a teaching hospital, there are always two anesthesiologists present during surgery (Ok, I get that). They must bill for each physician separately, so they break the charge in half, which is why it is the same amount for each anesthesiologist. But, they put a special code in the billing so that when it is sent to the insurance, the insurance will pay for half of the charges and so I, the patient, will only be paying for one anesthesiologist. Ok, so what happens if I am self-pay? Oh, you can get a 40% discount...let me see...yes...if you can pay in full, you'll only need to pay 714.00. 

This is great news, but I am also frustrated. What if I hadn't called? What if I had just paid the amount on the bill? I preceded to call each office with a charge on my bills. ALL of them were able to give me 40% off the amount listed on my bills.

People, our medical system is broken. Though it was a pain to do all the footwork, I'm glad I have. Before becoming self-pay, my attitude toward healthcare went something like, "We are responsible, so we need to make sure we have good insurance. When we get bills, our good insurance should cover it. (It didn't) I hope I don't have to deal with the insurance company or the the billing department. (Still did)They should be able to figure it out (ha!)." 

I really avoided dealing with any of this. I know I was naïve. But I really believe that this is the thought pattern of much of my generation. And that's why I'm writing this post. While opinions over how to solve our healthcare conundrum differ, I do know that across the board, we need to be aware of what's going on. I am so thankful for my doctors, nurses, and all the medical professionals who gave me great care. I am even thankful for the people in billing who sent me to so many different departments I thought my head would spin. This is not all their fault. What if every patient was more aware of what they were being charged and why? What if insurance companies AND medical providers were clear about their charges and took time to make sure patients understood the process and how and when they would be billed?

I know that we are just one small, generally healthy family. No, I do not plan to go on crusade to "fix" healthcare. I guess, as a patient, I'm just hoping for some purity in this process. Maybe we have been spoiled by the "see a need, meet a need" mission with Samaritan. It's such a simple process. And I wish healthcare were like that as well- where a doctor could care for a patient, and the patient could pay for their expert services. I've heard that there are doctors out there who have stopped taking insurance altogether. This family would be all. over. that! Looks like I'll need to do some more footwork to find them...

UPDATE 3/20/14: I decided to add a little update based on many of the comments I received about this post on Facebook and here on my blog.

Most of the comments I have received have been something like, "wow, I can't believe you saved so much money!". While it is true that the discounts were/are significant, my point is not that we saved a ton of money by going without traditional insurance, it's that I am being billed as if I were an insurance company. 

There are many additional costs that I did not mention in my post above, in addition to the charges on the bills I was addressing. We do not have a co-pay for a regular doctor's visit. We don't get discounts on prescriptions. Any need we have under $300 is not able to be submitted to Samaritan, which means we need to keep enough cash on hand (all the time) to cover us if everyone in our family gets the flu. We are also paying our regular share ($370) each month to a family with a medical need. 

That being said, our doctors have been kind to work with us and give us a standard copay ($50 each visit), and order generic prescriptions or give us samples.  Sending a check for our Samaritan share with a note each month has been a true blessing. 

All in all, Samaritan is still the best plan for our family when it comes to healthcare. Which leads me to my next point...

I am NOT advocating for no insurance. Accidents will happen. People will get sick. NOT having a plan is NOT a plan. There are many people who are self-pay by default because they have chosen to let others handle their healthcare for them. We are not on this train of thought. God tells us to take care of our bodies, which includes making a plan for our healthcare costs. Samaritan (along with many other lifestyle choices) is our plan. Traditional health insurance is also a plan. JUST HAVE A PLAN. Bill-sharing groups like Samaritan are given provision for under the Affordable Healthcare Act, which means it's legal, and we won't be fined. 

Another commenter also asked about catastrophic/extreme health costs. Samaritan does have a program (which we are a part of) that is specifically for needs that amount to more than $250,000. We have only participated in this program since January, after watching friends of ours (also with Samaritan) have very high medical costs due to a complicated birth of their son. He was in the NICU for several weeks, and also required an ambulance. These friends were so glad to be enrolled in the Save to Share program and have had all of their costs covered.

These friends also let us know that it is possible to do the negotiating (all the phone calls asking for discounts I complained about earlier) on the back end- after submitting our bills to Samaritan. The extra money not needed after the discounts will then be sent on to other Samaritan needs.

samaritan ministries review • a year later

UPDATE! I've written a more recent review here, though this post will touch on a few things not mentioned there: 

http://lissa-anglin.squarespace.com/blog/2014/12/3/having-a-baby-with-samaritan-ministries-updated-real-person-review

Over the past week I have had 4 different people contact me to ask about Samaritan Ministries- so I guess it's time for an update!

You can check out my first post about Samaritan, written almost exactly a year ago, HERE. At that time, Shawn and I were just 3 months into our "non-insurance" plan with Samaritan Ministries.  Basically, Samaritan is what you would call a bill-sharing service. At its core, it is a collective of Christians who have committed to help meet each others' medical needs. If you want to get a good general overview of it all, there's a great video at the end of this post. 

Each month, we receive the name and address of another member who has shared a medical need with the group. We get a short description of the need (i.e. Tom fell and broke his arm), which helps us pray more specifically for that person. We send our set amount (ours is currently 355.00) directly to the person, along with a note of encouragement. 

So, how do we feel about it a year later?​

Great. Really great. I've never actually heard someone say they felt affection toward their medical insurance provider, so I count it as a real blessing to talk about mine in a positive manner. :)

As I did before, I'll go through a few pros and cons we've experienced over the past year.​

CONS:​

• The rates went up a bit. One of the biggest things that interested us in Samaritan was the fact that the monthly rate for a family of 3+ was simple and straightforward- 320.00. About mid-year, Samaritan sent out a letter stating that the current rates were not completely meeting the increasing number of shares, and we ​needed to vote on a rate increase. After the vote, our rate changed to 355.00- still well under what we'd be paying with traditional insurance as 2 self-employed people with a child. I could consider this a pro in a sense, though, because I actually got some input on whether or not the rate should increase. That definitely does not happen with traditional insurance.

• Change of mindset/attitude when visiting a doctor.​ Before we were with Samaritan, I'd typically wait as long as I could before taking myself to the doctor- which usually meant I was completely beside myself when I finally made it into the exam room. This isn't true for when I need to take Knox- but regardless, I would just hand over my insurance card and not think much more about it. Since joining, I've had to change my mindset a bit. I have had to do a little research on what "self-pay" rates are at various clinics/doctors. I can't just stumble into the clinic without remembering that I need to ask for some samples if there are any (I've found that most doctors are pretty generous with this)- and also remind them that we are "self-pay" when they are writing prescriptions. I know what pharmacies give free amoxicillin and have focused more on preventative care than ever before. It is a bit humbling to state that we do not have insurance, but after experiencing the completely different pricing schedule most providers have for self-pay patients, it is totally worth it to me.

​• The need process takes a while. When you have a need to submit (and boy did we have some major needs last year- 2 miscarriages which included one visit to the ER, bronchitis for Shawn and I, multiple ear infections for Knox), Samaritan asks that you wait until you receive your bills in the mail, and they send you a Need Packet. You'll list your bills out, including any self-pay discounts given (this is a wonderful thing, because they will count it against your deductible of 300.00. If the total discounts are over 300.00, you will get a full refund of your bills. We have never paid the deductible with any need we've submitted.) The next month, they distribute your name and address to other members, and you wait for checks to arrive. You then send them a checklist to update them on the checks you received and from whom. One of the questions I have been asked most is "What if someone doesn't pay?". This has happened to us once, and it is really a non-issue. You call Samaritan and they take care of it. Most of the time they just re-distribute the amount to another member. All in all, it is around a 3 month process for one need. Which brings me to my next point...

• Cashflow.​ ​Because Samaritan will not accept needs 300.00 or less, cashflow can be an issue. Knox has had an ear infection at least 6 of the 12 past months, and let me tell you- that wears on a bank account. His pediatrician visits are 50.00 at the self-pay rate, and unless he can get the free antibiotics, we are stuck paying for 75.00 antibiotics. So, 125.00 in addition to our normal Samaritan rate was tough at times. Thankfully, we have a separate Health Savings Account that allows us to cashflow small doctor's visits like this more easily. And the truth is, God has provided each and every time- with a healthy child, and with the means to care for him.

​• What they don't cover. One big downside to Samaritan (or any other provider, for that matter) is that they don't cover pre-existing conditions. Thankfully, Shawn and I are generally healthy people, and before last year, never really got sick or had big medical needs. One caveat is when we had to get physicals and several tests done for our adoption paperwork. Ethiopia requires several tests to be run and the physical exam cost us each 275.00. When I called Samaritan about it, they said that because the need was not related to a sickness, it was not eligible to be published. They did say, however, that we could submit it as a Special Prayer Need. I haven't done this yet, but I'm sure I will, as we have given an extra 5 or 10 dollars to the Special Prayer Needs listed on our letters before. For more info on what they do and do not cover, check out the straightforward guidelines HERE.

PROS:​

• We understand it.​ This may sound silly, but after spending hours going back and forth on the phone with our old insurance and the doctor's office, I really appreciate the clear-cut and simply stated literature and customer service reps. In reference to investing, Dave Ramsey always says something to the effect of, "Don't do anything you don't understand". It is such a relief (and gives me such a sense of ownership) to really understand what's going on.

​• Compassion. Twice last year, when I had to call Samaritan to let them know we'd experienced a miscarriage and would need a Need Packet sent, I was responded to with compassion. This was a really big deal for me. They didn't have to care.

​• The Karis Group. With the 30+ bills we've submitted, there have only been 2 providers that did not give us a self-pay discount. In one instance, Samaritan contacted me to say they felt that it was a bill that could be reduced. They asked if I would be ok working with The Karis Group to reduce the bill (free of charge to us). A few days later I spoke with a very nice representative from Karis, who just asked me a few questions about the bill, and a week later- he called me back to say he'd negotiated a reduction! He gave me the amount, address, and protocol to pay it off. It was a great experience to have such an advocate.

​• Baby Makin'. You heard me- they are totally OK with the baby makin'! Shawn and I want a full house. It is a huge relief knowing that we already pay the max amount (rates go from singles, to college students, to couples, and families of 3+), and that we could have 27 more children (haha, ok- that's totally unrealistic), and we'd be more likely to get a high five from Samaritan than a higher rate. And yes, if you're wondering- our adopted child will be covered, too.

• Wise advice. Each month, along with the information we need to send our check, Samaritan publishes a newsletter with lots of articles on everything from the changing healthcare laws, to natural treatments and remedies, to interesting stories of members and their work (missionaries, doctors, etc.). Much to my surprise, I have really enjoyed reading it. It's here I learned about oil pulling and it's nice to hear from a Christian-based perspective about ​things like Obamacare and how it will affect me.

​• Encouragement. It doesn't seem like it would be a big deal, but getting those notes of encouragement along with people's checks is huge. It's a reminder that they've prayed for you, and that you are in this together. When I had my first miscarriage, a lady who'd seen our names in the monthly newsletter (there is a special section for loss) wrote me a long note and sent a special ornament that she herself had received when she'd experienced a miscarriage. I'm glad I'll get to see it every year, even though it will be bittersweet. It's a reminder that God knows how I feel, and He knows the children we didn't get to meet in this life. He also provided others to help us through a tough time. I feel that this is such an authentic picture of what this scripture talks about:

"This is how we know what love is: Jesus Christ laid down his life for us. And we ought to lay down our lives for our brothers. If anyone has material possessions and sees his brother in need but has no pity on him, how can the love of God be in him? Dear children, let us not love with words or tongue but with actions and in truth.​" 1 John 3:16-18

I hope this review has helped shed a bit of light on our experience with Samaritan Ministries! I know there are probably about a million questions I've spurred, and if you do have some- I'd just call them at (888) 268-4377. Or, I'll be happy to go into more detail if you'd like to email me (not that I have all the answers).

​Samaritan does offer credits to its members for referring others, so we would love it if you mentioned us in the referral section of your application should you apply. However, I'd be saying all of this regardless!

a newbie's review of samaritan ministries • christian healthcare

UPDATE! If you're looking for a more recent review of Samaritan (I wrote this when we'd been members just a few months), click here:

https://lissa-anglin.squarespace.com/config#/pages/blog|/blog/2014/12/3/having-a-baby-with-samaritan-ministries-updated-real-person-review

Or here:

https://lissa-anglin.squarespace.com/blog/2013/4/16/samaritan-ministries-review-a-year-later 

A while back I mentioned that we'd selected a bit of a non-traditional approach to healthcare coverage- selecting Samaritan Ministries over the typical medical insurance we'd had for the past 5 years.

Now that we're several months in, I thought it might be nice for me to update you all (yes- all 2 of you who might be interested- haha) on how things are going.

If you just jumped in on this conversation, Samaritan Ministries is a faith-based non-insurance approach to healthcare. Its basis is firmly grounded on the concept of believers sharing the needs and burdens of other believers. Instead of paying in to an insurance company, my monthly "share" is sent directly to another member who is needing it to cover medical costs. Each members' share is determined by the number of people in their household.

So far, it's been the right decision for our family- especially since we are both self-employed now, me with my photography business, and Shawn with Culture Clothing.

Being a Pros/Cons type of thinker, I'm going to write out a list for your reading pleasure (and also a bit for my personal reflection).

Cons:

1. The monthly "share" (a.k.a. payment) is more expensive than what we'd been paying (320.00 as opposed to 240.00). As a family of three, we pay the highest amount of any category (The others are singles and couples- and they also have a special rate for those attending college). The sunny side of this is that because we pay the highest rate already, our rate will never increase because of more children. Knowing this has granted us a sense of peace, instead of fear for increased costs as we grow our family.

2. Doesn't cover pre-existing conditions. This is typical with many insurance plans, but it is tough for members that have chronic problems. Thankfully, we have not had to deal with any of this sort.

3. No Dental coverage. While we used to have additional coverage for dental, it is not covered with Samaritan. We are hoping to find regular insurance for this soon.

Pros:

1. I love getting my "newsletter" (a.k.a. bill) in the mail. WHAT? ARE YOU SERIOUS? Yes, I am serious. The newsletter they send with the name and address of the person I will be sending our share to is packed with relevant articles and updates on the ministry. I love that I can understand how it all works (something that I NEVER experienced with our previous insurance) and that the board of directors is constantly updating me on the financial state of the ministry and how I can be in prayer for it.

 One of the best parts of the newsletter is reading the "New Rewards" section, which celebrates each new baby that was born to members that month. The "Final Rewards" section is also a blessing to read- documenting each life that has passed- including miscarriages.

2. I get to write a check to A PERSON. Each newsletter I get lets me know the specific person (and address) to send my monthly share to, along with the medical condition it applies to. They encourage members to "Send a note, pay your share, always stay alert in prayer". Though we haven't had a need to be met yet, I know that when we are in that position it will be such a blessing to receive encouraging words from other believers. Note: The first 2 months of our membership we actually sent our share to Samaritan Ministries itself- this covers administrative costs and also establishes us as faithful members.

3. Babies. Samaritan's Maternity coverage is outstanding. After reading their guidelines on Maternity Coverage, I even thought about doing a home birth, since they can be covered up to 100%. We'll see if that actually comes to fruition, though- my husband is having serious doubts about whether or not I can actually take the pain. :) Home birth or not, though- the coverage is great.

4. Deductible. Samaritan essentially has a $300 deductible on any need. This means that any well check for Knox or clinic visit for us will cost us cash out-of-pocket. This is not a big deal since we have structured our household financially to be able to cash-flow these items. Initially we thought we'd need to create a small savings account just for these needs, but so far we have just been paying costs as we go.

Why is this in the Pro section? Because this $300 amount is lower than many of the "deductibles" we've had in the past, AND because in many situations it can be reduced if not erased completely. Because we are technically "uninsured", we pay a different amount at the doctors' offices- most of the time, less than we did when running everything through our insurance. And, since we are "uninsured", if we are able to work out any discounts with the medical provider, they can be applied to our $300. So, if we are able to work out a discount of or over $300, our "deductible" goes to $0.

5. Spiritual coverage. Never before have I been so encouraged to take every need to Jesus. The evidence of His provisions for us in this area of our lives alone has been one of the most faith-strengthening experiences for me, ever. I love knowing that I get to bear another member's burden, and that when I am in need, others will be there to help me and pray for me. It's so simple- and exactly what God has called us to do.

There are many straight-forward answers to the how-does-it-work and what-if questions on their FAQ page HERE.

All in all, we have been blessed to be a part of this ministry. I hope this was helpful for some of you! I'd love to hear your thoughts on this- please feel free to start a convo in the comments!

lissa likes • jan 2012

So, after almost a one-year hiatus, "Lissa Likes" is back! This month centers around one of my favorite things, saving money. Instead of calling myself a penny-pincher, I'd rather say I'm more like a passionate consumer. :) My spending/saving philosophy goes a bit like this: If it is worth it, by all means- spend money on it, but if it's not a big deal, then save as much as you can! Of course, priorities are different for everyone, but I don't know anyone who doesn't really excited about a good deal when I see it. 

On my list for this month:

1. Target's Coupon Policy

I end up in Target at least once or twice a week. Though we don't have a Super Target in Lubbock, it's my go-to place for cheap, well designed home decor and I love their Archer Farms food products. One of the things I always do is scan the end caps of the aisles for clearance items. There have been many times I've found what I'm needing (or items I frequently purchase) here at a steal. Target's clearance tags look like this:

Many times when I see staple items (flour, sugar, chocolate chips, pasta, etc.) that I can store in my pantry I like to buy them, if they are at a good price. One way to tell is the number in the upper right hand corner of the label. It will be "15", "30", "50", or "75". These are the percentages by which the item has been marked down. Which means- if I really don't need more semi-sweet morsels (though they are always tempting), and they are only at 30% markdown, I will know if they will be further reduced later and I can come back and get them. Genius! 

2. Canned Soups

Recently I found a ton of Campbell's Hearty Soups on the clearance end cap at Target. They were all marked .94 per can, so I bought several. Though fresh homemade soup ranks way higher on our menu, these are easy, go-to meals around our household, and most convenient with a toddler. I love having these soups in our pantry for the days when we are low on groceries. I can heat some up and provide protein, carbs and veggies very quickly! The ingredients are also perfect for Knox since they are already well-cooked and easy for him to eat. 

3. BumGenuis Diapers

If you've been around here long, you'll know that we use BumGenius diapers. It was a decision we made long before Knox was here (I honestly couldn't believe Shawn was up for it), and I'm so glad we did. We were able to make up our original investment (around 300.00) in 6 months of use, and hypothetically, now we save .25 per cloth diaper change. They have held up amazingly well and overall I've been suprised at how convenient they really are.

This is a new style, Albert, that I've been dying to buy for my little genius!

4. The Krazy Coupon Lady

This is my favorite couponing blog as of late- it seems to be the most thorough and up-to-date out there. If there is a coupon for it, The Krazy Coupon Lady will know.

5. Samaritan Ministries

When we knew that Shawn and I would both soon be self-employed (meaning no insurance), we started to look at our options. We looked around at several different group and individual health plans, and then finally decided to go a totally different direction and become a part of Samaritan Ministries. It's a Christian medi-share ministry that is a biblically-based alternative to traditional health insurance. I didn't even know something like this existed until a my friend Alex mentioned it to me. This is actually just our first month to be members and so I will have to post an update with our experience later. So far, though, they have been extremely helpful, available, and up-front about the way it all works- totally the opposite experience of our old insurance company. You can find lots of info about it here. This video also answered a lot of questions for me.

Well, that's it for now! Have a great week!