Over the years, the topic of health insurance and what we do for it has come up. It’s also been a popular question in the small business session at the Energize Conference. Maybe you need health-insurance and haven’t been sure what to do. Or, perhaps your health-care dollars go to providing unethical procedures, and that’s troubled you. How would you like to be a part of a cost-sharing program where your money goes to help other Christians who have health needs?
There are several Christian health insurance alternatives (and yes, the IRS allows exemptions for Samaritan Ministries).
About 13 years ago, I joined Samaritan Ministries. I’ve loved being a part of such an amazing organization! Each month, you send your share to another family or individual who has had a need. The prices are very reasonable for an individual, couple, or a family. If you decide to join, please list my parents’ names, Steve and Teri Maxwell, as the referral. This will bless Titus2 with a credit which will help the ministry.
Although I’ve never had to submit a need, Nathan and Melanie, who are also members of Samaritan Ministries, have had needs to be shared. Samaritan Ministries has taken amazing care of Nathan and Melanie’s health-care expenses. With their preemie babies and other complications, Melanie said she’s not worried when she’s in the hospital about their medical costs.
One thing we strongly recommend is to also enroll in Samaritan’s Save to Share (for needs over $250k). It adds only a small amount every month, and it’s worth it. If you have a catastrophic need, suddenly that extra you’ve paid is nothing.
So, if you’re thinking about a health insurance alternative, check out Samaritans. All of us Maxwells are in the program. Be sure to check out the section on pre-existing conditions.
If you have questions please ask Samaritan’s directly.
They are truly a ministry. The last few months, there has been too much share money, so they’ve reduced the amount everyone has paid in by a certain %, instead of keeping the extra. Pretty incredible!
Merry Christmas!
Love,
Sarah
“But my God shall supply all your need according
to his riches in glory by Christ Jesus.”
Philippians 4:19
Very interesting! I will have to look this over with my husband.
There is also a very similar organization that our family just joined called Christian Healthcare Ministries. Your parents may be interested in it, as the values and principles are very similar, but they do not have the same exemptions for pre-existing conditions–as long as the pre-existing condition is at “maintenance level”, and as as long as the individual is not involved in things like smoking, drinking, etc.. The one exception to this is that maternity expenses will not be covered unless the due date is at least 300 days after joining. Just thought this info might be useful to you. 🙂 Blessings!
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Thank you. Found a comparison between the two.
What a wonderful thing that they don’t consider risky pregnancies or pre-term birth to be pre-existing conditions. Then again, in God’s eyes I guess all lives are “pre-existing”! 🙂
Merry Christmas!
Our family has been blessed by participating in Samaritan Ministries for a year now. It is not “just” health cost coverage; it is a wonderful way to pray for other believers who are in need. Calling on the Lord should be our first defense, and interceding for our brothers and sisters in need is an honor and privilege. Being able to help others through prayer and finances is a distinct blessing the Lord grants us. Being helped through the same channels is a powerful testimony to God’s provision through His people.
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Amen and amen.
We have never been able to be a part because both my husband and son have Type 1 diabetes. :/