What Do You Know About Christian Healthcare Ministries as a Solution to the Health Insurance Problem? (Dec. 30 Update)
[Update, December 30th, 2013: Commenter JMarie has contacted Samaritan and been told that they WILL accept Mormons who can adhere to their statement of faith, which is basically the Apostles' Creed. Most Mormons should be able to adhere to it in good conscience:
I believe in the triune God of the Bible. He is one God Who is revealed in three distinct Persons—God, the Father; God, the Son; and God the Holy Spirit. 1 I believe Jesus Christ was God in the flesh—fully God and fully man. 2 He was born of a virgin, 3 lived a sinless life, 4 died on the cross to pay the penalty for our sins, 5 was bodily resurrected on the third day, 6 and now is seated in the heavens at the right hand of God, the Father. 7 I believe that all people are born with a sinful nature 8 and can be saved from eternal death only by trusting in Christ’s
atoning death and resurrection to save us from our sins and give us eternal life.9
Samaritan is cheaper than the other options I've explored (and they have very good maternity coverage!), but they also sometimes don't take in enough to cover all bills and have to prorate payment or else ask members for voluntary donations to cover. On the balance we might still go with them except that they totally exclude pre-existing conditions.]
[Update, December 13th: I discovered a new provider that takes Mormons, Altrua Healthshare. However, it isn't clear yet whether they let you get out of the Obamacare fine.]
Many of you know that Obamacare cancelled my family’s private insurance. New Obamacare insurance would cost us several hundred dollars more a month, increasing our premiums by 150%. It would also dramatically increase our deductible by 150%, but paying the massive Obamacare premium increase would mean we had no money in the budget left over to pay actual medical bills. To afford healthcare insurance we would have to not afford healthcare. We have been a little desperate.
We’ve prayed and researched. We think we’ve found a solution. We’re joining a Christian healthcare ministry (also known as a healthcare sharing group). Specifically we’re joining the Christian Healthcare Ministries.
I know many families are looking pretty hard at their healthcare situation right now. This post is about what I think is a decent option for Mormons and others. I hope it helps anyone who is looking for an out from a bad insurance situation. Please share it with anyone who might benefit.
At the same time, this post is a request for anybody who knows anything about Christian healthcare ministries to share what they know. If you have had a good or a bad experience with a healthcare ministry or sharing organization, please tell us about it in the comments. I and others who read this would benefit. The more information the better.