Saturday, October 27, 2012

Our Experience With Samaritan Ministries

With the birth of Noah, our sixth child, we were able to experience something we had never experienced before. We received checks from others around the country to completely pay for our midwife assisted home birth. With prior births, we had to pay for the midwife out of pocket since no insurance plan we have ever had actually covered that. We'd like to share what we have learned with you and invite you to check it out for yourself.

About a year ago we decided to finally check out some of the medical expense sharing organizations we had heard about for a few years. We were intrigued with the idea of helping others with their medical bills, and then if we needed help, we could share our needs with others too. When we looked into the details, we were astonished to learn that what we were paying for high deductible (like $5K and $10K) medical insurance was more than we would need to share every month through most of these plans. We also learned that those who participate in a medical expense sharing plan are exempted from the "Patient Protection and Affordable Care Act." Encouraged by these discoveries, we went about researching the various options out there.

Samaritan Ministries LogoAfter researching several options we chose to go with Samaritan Ministries and it has been a real blessing. As of June 2012, we are one of about 21,000 families sharing medical expenses around the world. Our total sharing amount is $355 a month (for a family of 8), and we can share any medical expense (there are some limitations) over $300. This encourages us to consider what we choose to spend our medical dollars on, while helping to cover us when we have a larger need.

Here are some other things we really like about Samaritan Ministries:
  • We send our checks directly to someone who has a need every month
  • There are no hidden administrative costs - only one check for $175 a year covers all administrative costs
  • Prayer requests and non-covered needs (like pre-existing conditions, oral surgery, etc) are shared for all to consider
  • Samaritan Ministries is a non-profit charitable organization
  • Their staff has been very helpful and servant-minded every time we have interacted with them
~ Mark

If you would like to learn more you can fill out this very simple form and they will send you a packet of information about the plan. If you do, there is a spot to mention how you heard about them. We kindly ask that you mention us in that spot: Mark & Rebecca Miller.