Hope this helps. Sue, I like the sound of wellness exams being covered by Liberty. Henry, this is one of the first (if not the first) terrible story I’ve heard about SMI, and I’m so sorry you had such an awful experience! Nothing too scary. Reply. We’ve since had friends choose Liberty and have an absolutely horrible experience, so my mouth is sour about them. We are in a similar situation as you and the hardest part of the decision is my husband has Ulcerative Colitis, although he has been able to control it with diet for the almost 2 years. Health Details: When you receive care, CMF CURO helps you through every step of the process.From working with your medical provider, to submitting your Needs and providing spiritual and emotional support, your whole health care experience is the core of our ministry. Katie. CMF CURO is a partnership between the Christian health care sharing group Samaritan Ministries International and the Catholic health care non-profit Christ Medicus Foundation. Do your research if it’s not an emergency and negotiate! The one time that we had a large expense ($27,000 for a broken arm/surgery) we were able to get a reduction from the hospital, and that reduction was applied to our personal share, so we had no out-of-pocket expense at all. I’ve lived in the world of outlying medical conditions for about a decade. i read an article in the ny times and they said with Samaritan you need your pastor to verify something. Hello there! Sure appreciate your time and sharing of this information. Just wondered about that since nothing was mentioned. Their mission is to connect and equip believers to share their lives, faith, talents and resources with other believers. I figured as much but thought I’d ask just to be sure. I’ve never heard of these options before but they seem very helpful. “For example, in California, all health insurance plans must cover abortions, with no religious exemption.”. There is also the question of how malpractice is addressed in a foreign country and I have read some horror stories. Thank you for putting together this comparison blog post! Katie. You can read more about our journey on My Husband’s Glioblastoma page. An employee whose company offers a kickback if they don’t take the insurance plan, especially one who wants more autonomy in healthcare providers – run the numbers to see if it would work out for you! In addition to this, be aware that if you are able to “share” an need, not everyone pays in a timely manner. It took some time and effort, but saved everybody money. The should be able to provide with assistance forms right away! My only remaining question before switching to Samaritan is the topic of preventative care. A Christian whose insurance covers procedures they find morally reprehensible and who hate the thought of contributing to that. “Even if the employer and individual mandates of the Affordable Care Act are repealed, the battle will be mandates at the state level,” Hahn told The Stream in June. Thankfully, my husband was working at the time of the accident (he does sales and was travelling for work). We are in the process of debating between Samaritan and CHM. The Midwest’s best library on freedom and limited government with nearly 20,000 books. I negotiated the total of all of the bills down to $1500 total, paid the bills and turned in the receipts to Samariatan. Or households. for us, Gold – pay up to $500 per incident with unlimited coverage on anything above that amount; fees would have been $450/mo. And have they had good experiences? Louis Brown, CEO of CMF CURO, says his organization welcomes Protestants and Catholics alike. Some members have found that they can get colonoscopys and such in Costa Rica for less than here – including the plane tickets and a vacation! We’re considering switching from Medi-Share to CHM. We have been with Christian Healthcare Ministries for over a year now. Total shareable needs were about $50,000. Those with active, chronic, expensive illnesses, Those who feel the need to go to the doctor for every little thing, Those who can’t budget money to set aside, Anyone with great insurance who is happy with their current doctor, People on multiple, ongoing prescription drugs who wouldn’t be able to pay for them out-of-pocket – although this is beginning to change with some of Samaritan’s new features. Christina Herrin, By I added your note to within the post. Definitely do homework before joining a ministry. Katie. We signed up for Christian Medi-Share about a year ago. checkups (see #34) are not publishable”. Our under insured/ uninsured did pay out some, but not nearly enough. Samaritian even paid the interest on the card as it took a couple months to get all the bills from the providers. Brown says the American Health Care Act (AHCA), a bill passed by the U.S. House of Representatives in May, which would partially replace Obamacare, would accommodate HCSM members’ religious beliefs better than ACA. We’ve been trying to figure out what to do. Christian Healthcare ministries are by law exempt from obamacare requirements. We stopped using it when my husband and I both got jobs where insurance was a paid benefit. Liberty has about 30,000 according to a comment I saw on another blog. Samaritan Ministries International, which works with CURO for the cost-saving portion of the operation, has 50,000 households nationally. It’s right for us with the automated payments. CHM will only pay what is left after medicare has paid so I may need to find something else. How is maternity and child birth covered? I’ve been impressed with Samaritan’s newsletter and the interesting ideas they offer for finding appropriately priced healthcare options. I also get to choose my own healthcare provider. Instead of paying health insurance premiums, HCSM members pay monthly “shares” to help cover each other’s medical expenses. could my taking thyroid meds be considered a pre existing condition? More than $25 million/mo. Basically, it’s insurance against the IRS for the ACA, and for the unforseen accident, ie broken bones, stitches. Similarly, short-term policies are ~$800 with $10,000+ deductibles (and these are non-compliant). Brian, we’re researching Liberty and they told me today on the phone they currently have over 60,000 members. What we received TOTAL from both those insurances was enough to cover his first prosthetic, and possibly his PT. I advise, as you did, for readers to be sure to do their homework in detail. Perhaps whoever “Medical Cost Share” was, has become (or was bought out by) Liberty Healthshare, because you cannot go to a MedicalCostShare.com website. Or where can I get more information on that? Does anyone know if “Medical Cost Sharing” is the same as “Medical Cost Share”? As insurance becomes more and more unwieldy and unaffordable, more value based options will arise. Anthem never did that , Thank you much, Roxy! At all times stay in contact with the finance people. Liberty wasn’t on our radar and Solidarity and KNEW didn’t exist. When a member has a medical need, they receive treatment from the provider of their choice. Samaritan Ministries vs Liberty Healthshare – Samaritan . I am so thankful for your blog about this. Approval Also, they have subrogation rights. For the first time we are looking at other options for our health care costs after receiving our new premium rate with our conventional insurance for 2017 and it increased by 32%! Roxy – that’s great to know! Needs are shared monthly within the Samaritan Ministries International community. I began researching the various Christian HealthShare options about this time last year. Two important updates on health care sharing ministries that I want to share with all of you. Details: CMF CURO Members are also members of Samaritan Ministries International (SMI), and share over $29 million/month with over 250,000 Christians. ... And we will be getting the Catholic branch of Samaritan which is CMF-CURO. If I were sitting on that kind of money—well, you get the picture…. We are stressed about getting penalized this tax year because of not taking the insurance offer by Marketplace. (just like an MD but does spinal and joint adjustments). Can you provide some clarification on how this works with Samaritan?? Are naturopaths, homeopaths, chiropractors, licensed nutritionists, etc considered medical providers or natural/alternative treatments? of a publishable condition. “Since there was no viable Catholic health care sharing ministry, we partnered with a small Mennonite Church outside of Columbus, Ohio to offer health care sharing not only to Catholics but to all Christians who want to be faithful to Jesus Christ and his teachings.”. I have a few comments and questions. “Members agree to what is ethical and moral, not a federal bureaucracy or an insurance company.”. So glad to hear that Samaritan Ministries is strong as well. It is clearly the best decision for our family and his health, but since we missed the 60 day window to enroll in insurance we were looking at the options of getting COBRA at $1,500 per month or having no coverage and spending up to $300 a month in penalty! That is a big deal and exciting to read since I choose natural over anything else first. I do not KNOW that, but it’s the way it appears some limited research. it looks like if you have lots of medical bills under $500 with CHM’s Gold program it could get pricey, but i like their unlimited coverage for catastrophic care with their add-on option. The biggest increases come during open enrollment. It just doesn’t make sense to us and we are Christians so I appreciate you sharing this information. etc. We are hoping for me to be able to stay home with our baby, medical insurance is a big concern! Do you know of anyone who chose Knew Health? Families who want the option of having midwives or home births covered. Members of health care sharing ministries demonstrate their exemption by using IRS Form 8965 when filing their tax return. There’s no minimum that you have to pay OOP before you can get needs covered. Super helpful. It is Liberty Health Share at www.libertyhealthshare.org. Are you still feeling like Samaritan was the best choice for you? I’m so sorry for you and your husband!! “We are proud to have grown to over 2,000 souls in less than nine months of being available to the public and are currently growing by over 15 percent month over month,” Hahn said. ly diagnosed by a licensed, medical profession What I am not finding about Samaritan Ministries is the Annual portion or Personal share that is required for each family. Does Medi-Share have a way to share needs that are ineligible to help you out? Hope that helps! Contributing to a personal savings account for health as one might for a new car is good idea. If not, you’ve got to have some grounds for a suit. We are able to put aside $5000 to deal with our personal share, so we only pay $135 per month for our whole family. Now we have to pay a “new enrollee” fee of an extra $200. Did send initial bills to Samaritan for publishing and THEN negotiate the costs with the provider which allowed for the deduction that avoided the $300 you would have had to pay? As for the pastor’s signature, yes, just that we’re actually members of the church I believe. al, but not prescribed by the member’s pro If a need is unpublishable but you still need help, Samaritan sends out your address in their newsletter and recommends that people give $20 or so to help you out. We pay 175.00 monthly to our D.O. Just do your research before signing up. Am I understanding correctly that it would not be covered/published unless the test picked up a condition that is covered/publishable? Your email address will not be published. cmf curo cost Your food is also being prepared with that water,etc. The ministry encourages everyone to negotiate their costs with providers, with the help of Samaritan Ministries. Could not find one review off their website, and reached out to 10+ people who follow them (between IG & fb) & no answers from anyone. is based upon factors such as the less invasive This site uses Akismet to reduce spam. Samaritan Ministries is, at most, $495/month currently, no matter how big the family size. With CHM, at the bronze level, they don’t share anything at all for office visits, they only share hospitalizations and emergency room care (also home birth midwives) after the family has paid their $5000. You pay your own bills starting with $400 of your own money and then using what you’ve been sent (which is equal to the rest of your bill). Also, CHM offers an additional sharing program called Brothers Keeper which will share expenses up to one million dollars. I don’t have to worry about my money going to fund abortion or contraception. You are right that a routine colonoscopy isn’t shareable ($4000 is high, though, wow)… but if they find something during the procedure, like polyps, then it becomes shareable. MediShare was not the way God chose to care for them; yet they are cared for. Tag Archives: Samaritan Ministries ... Altrua qualifies for Obamacare exemption, plus more on CMF Curo. Compared to our insurance plan (over $1,000/mo), Samaritan is a tremendous savings (over 50%). Catholic HCSM members are a multimillion-dollar segment of the health care industry, Hahn says. News - Catholics Choose Health Care Sharing Ministries . Blessings to you, Katie. Several months later, my husband was in an accident while on his motorcycle. Read the allowable shared stuff very carefully. What a traumatic experience on so many fronts, and to find out that you couldn’t be covered….oy. Or does the monthly fee go to someone who needs it? “This is very important. This is the first time none of us have insurance, first they dropped our pharmacy and now us. I am a member of Samaritian Health and have a credit card with very low interest rate. Wow, praise be to God for that coming through!! Members are typically self-pay patients who shop around for the best value in health care and negotiate discounts with providers, keeping costs down for all members. Also intrigued by Knew Health. The reason for the link between the two is that when CMF sought to create a group, under ACA … Do not waste your time looking at MCS. What I mean is, yes, I can call myself a Christian. We filed a claim for my husband’s recent medical issues and they paid all the bills without question and gave us credit off of our deductible for the discounts I arranged. treatment, the length of time envisioned for I guess I’m a little slow at understanding. We need to look at that closely as my husband rides a motorcycle. Sending your monthly share gives you the opportunity to support and pray for your brothers and sisters in Christ. They were better than the traditional health insurance we had before. “This is a groundbreaking collaboration for faith-based health care sharing ministries, a first for Mennonites and Catholics who may differ on doctrinal issues but not on the essential life issues of contraception, sterilization, abortion, and euthanasia, the key moral issues, and religious liberty,” Hahn said. Thanks. in medical needs are covered. This is a well written article comparing the various health sharing ministries as an alternative to traditional insurance. They ended up forgiving 100% of the hospital portion because of my persistence. And with the $100,000 maximum payout, the sharing would have to total millions over his whole life. What I have found is that something like a colonoscopy is thousands of dollars more when done in a hospital as an outpatient than when done in a free-standing surgical center. Sometimes people have no recourse. Katie. plus a “Yearly Set-Aside” of $266 for Save to Share. Catholics and other Christians are flocking to faith-based health care sharing ministries (HCSMs) as the Affordable Care Act (ACA) continues to limit patients’ choice of providers and require people to act against their consciences. And, you can ask for discounts on that $4000 because you’re cash pay and not bound to an insurance contract. Thank you for this post! Samaritan Ministries International is not insurance, but rather health care sharing–an arrangement where members share one another’s medical expenses through voluntary giving and not because of any legal obligation. Katie. free downloadable insurance savings guide, Read all about what it was like to actually get paid by Samaritan Ministries members, how much it has saved them over insurance, Katie’s experience with Samaritan for births here, how it felt to share a need with Samaritan Ministries, How to Cook Frozen Ground Beef in the Instant Pot. -Wayne. Katie, can I link to this blog from an upcoming post I’m writing about the costs of healthcare, insurance, and alternatives? We don’t go to medical doctors, and have never had to use it. As for the pre-existing condition, I would give them a call and ask directly. It was well worth my time. Because we wanted catastrophic coverage, we would have had to go with the gold level at CHM, and the monthly payment would have been about $45 higher than Samaritan, and the minimum expense per incident was also a few hundred dollars higher. : (, Let me know if you need any more info, Theresa, and may God bless your search! Here's the full legal disclaimer. I tried to read thoroughly, but maybe I missed it. I haven’t switched from my employer’s insurance yet but I’ve decided it will be better if I do. “Solidarity is a member of the National Coalition of Health Care Sharing Ministries, which has over 60,000 member households, with a monthly sharing power of roughly $15 million,” Hahn said. Your email address will not be published. The area I’m most confused with is Samaritan’s “Yearly Set-Aside.” Can you explain how that actually works? Definitely shop around for prices on the colonoscopy! I ask for a cash pay discount first. We are told that the time has lapsed for any bills to be submitted so here is another situation we had to go out of pocket. We had a great experience with the company. We have been with Liberty Health Share now for 4 years and their customer service has definitely gone downhill. Bronze – pay $5,000 per incident with limited coverage ($125,000); fees would be $135/mo. Anyways, thanks bringing this conversation to the table. Maybe someone else can chime in about how the other ones would handle it? Thanks for sharing this info! For reference, I am eligible for Medicare, therefore needing neither (i.e. Many people recommend going to Costa Rica or Thailand, India etc, but as a former ICU nurse, I refuse to entertain the thought of having an invasive procedure somewhere that I can’t safely drink the water. Katie. I actually just got those numbers updated by Samaritan a couple weeks ago. I also appreciated the comment about the motorcycle accident. Notify me of follow-up comments by email. What’s not to love about having 24/7 access to your doctor, saving money, and having a relationship with your physician who cares about you and your health. (We set aside a bit of money each month to cover the initial payment and replenish our “medical” fund with the money sent by Samaritan share members.) If you’re Catholic, it’s worth a phone call to ask questions. Solidarity Healthshare is a member of the National Coalition of Healthcare Sharing Ministries, founded in part by Liberty Healthshare, a large HCSM established as a Mennonite ministry. We chose to sign our family up with Medical Cost Sharing (MCS). I’ve paid for almost two years now for insurance I never use. Brad Hahn, CEO of Solidarity Healthshare, says the HCSM has attracted Catholic members in droves since its founding in 2016. So if you get treated for something and it’s $200 for labs and $150 for the doc visit, you can submit that for sharing. With a salary of $32000 a year as a christian school teacher, this has been a promise that is far from as good as it was portrayed. Does it matter whether you have a hospital or home birth? My wife fell and broke her arm requiring surgery. I am writing this for others to be reminded as they read these comments, but also for my own self because that “what if” fear loves to creep up and strangle me. Do you get “proof of insurance” around tax time? Set aside might mean that you commit to having that much on hand in case of catastrophe? All Companies Samaritan Ministries International (9) Catholic Health Initiatives (3) NurseFly (2) Concordia Lutheran Ministries (2) Light of Life Rescue Mission (1) Catholic Charities And Community Se (1) CMF CURO (1) Bon Secours Mercy Health (1) Mercy … I’ve never received a reduction in cost for any bill, procedure, etc., unless it was cash-on-the- barrelhead. Shortly after submitting our doctor’s bill (which we already paid for out of pocket and negotiated the lowest possible rate) I received a letter of termination. I’m glad to hear how well it has gone for you. Thank you again for your overview. The comparison between Samaritan Ministries and Christian Healthcare Ministries was closer for us. More than you’d get with traditional med insurance. I did not have a need so I need used their services for $1,000 per year. Christ Medicus Foundation CURO, as the group is called, will be financially integrated with Samaritan Ministries International, which was launched in 1991 by an evangelical home-schooling dad. The paperwork to leave and get back in sounds annoying but still far better than most paperwork for insurance, but I’m appalled that it took so long to get your need fulfilled and that you didn’t get all the money you paid out. for us, pay out-of-pocket $1250 max per year (called the “Annual Household Portion”), $685monthly payment. For us, we could send in for the “unpublished” help but there are no guarantees in this case. Samaritan’s has always been my #1 option. Please remember that I’m just a gal who reads a lot and spends way too much time in her kitchen. in writing, describing in detail the proposed Never lose a debate with a global warming alarmist! We love our Direct Care doc! I offer a point of correction, or maybe clarification, regarding your bullet stating that “Any need over $300 is published.” We are Samaritan Ministry members, however, we learned that preventive screenings like colonoscopies cost $4000 or more in our area and are “not publishable” in Samaritan Ministries. I decided we’d try it and I could deal with writing one check by hand per month. Katie. 1. My question is whether or not the amount that I pay to any of these shared health cost ministries would be tax deductible. Any Christian who is self-employed, hands down, A family paying more than $450 out of pocket for their insurance through work should take a hard look at these options and run some numbers. WC even tried to play the shrug and walk away game, but we were able to prove he was working and after about 9 months of fighting, we finally got a settlement. Christian Healthcare Ministries counts. http://samaritanministries.org/healthreform/”. A resource like healthcarebluebook.com is a good starting point for find what something should cost in your area. conventional treatments) Very good questions! After the third year, the condition is no longer considered pre-existing. Unfortunately, preventative care is not publishable with Samaritan. It covers most of what you would see a physician for. As part of that, CMF CURO has over 1,200 households who participate in the sharing ministry. Apparently Samaritan can be included in a “The Health Co-Op” membership, or one can use Samaritan stand-alone. Thanks for the great post! Persevering in Faith. Nothing goes to Samaritan each month. Samaritan has over 60,000 households which is the number they tend to focus on, but those households make up over 200,000 members, and they are very similar in size to the other 2 primary ministries. My family will likely be moving back to the States soon, and I am choosy about my medical provider, so this information is a God-send. (Negotiating the cost down leaves more money in the pool for other needs). Katie.I appreciate your analysis..is Samaritan a good plan for a healthy 61 year old retired widow? I appreciate you — Katie. Some posts on this blog contain affiliate links which generate commission if you purchase anything starting with those links. So the sharing amount and monthly fee are the same. I’m curious to know what these three sharing ministries consider a medical provider. I can’t speak for the other two options, but he didn’t have anything good to say about medical sharing in general. The main 3 ministries of Samaritan, CHM and Medishare all have over 200,000 members. Medi-Share. Yay!! With Samaritan, it’s pretty simple: You pay for any incident under $300, Samaritan starts sharing at anything over $300. But it was a very stressful year and Medi-Share certainly didn’t make it any easier. Would love to know anyone’s real life experiences, as in, exactly what you did and said to achieve this. Any updates or comments you have about any of these companies would be great…, Hi Johnna – the comments had a gap only because I had closed comments for the entire blog so streamline my life. A membership in Samaritan Ministries is limited to members of the same nuclear family. Thank you! If you are trying to decide between Medishare (CCM) or Samaritan Ministries for your Christian health sharing ministry, then this is for you. I must have missed it – CHM accepts pre-existing conditions then? Sorry Brian, I’ve not even heard of that one – but search the comments here because some people have mentioned other sharing projects and maybe that one. Hi there! Combined with a catastrophic insurance, it complies to ACA. We have never had to pay the $300 per incident, because I always spend a couple of months negotiating with providers for discounts to make things more affordable to everybody. The young couple with the horrible motorcycle accident above is a prime example of this concept. We have a few friends with Samaritan and have had multiple published needs that were 100% paid for! This sounds like a good fit, Alica – I hope it works out for your family! All 3 were very careful to get that straightened out when the ACA began. It wasn’t his fault at all as he was going the speed limit, wearing a helmet, ect. Step 1: A Medical Need Occurs. Since we are fine self-paying lesser amounts and pray we’ll back on an employer-paid policy in 3-6 months my main concern is catastrophic coverage so I’m trying to compare Samaritan’s including Save to Share with CHM’s Gold plus Brother’s Keeper. It is truly a win-win situation for patients and doctors! We’ve been with Samaritan Ministries for over 11 years now and love it. – Or need emergency procedures at birth? Medical bills are sent to Samaritan Ministries, and we notify members to pray and send money for your shareable bills. Although Samaritan, is well-talked about, I think them and CHM seem to be more restrictive in what you “should” believe. Hi Linda, I’m so sorry. Also, what I notice, out of reading all the comments, is that there consistently only a few groups that actually will do what they say they will do: – CHM = https://www.chministries.org/ Just a cautionary tale for those looking at Liberty. Thank You Katie. Although they were close to impossible to reach when we had question or wanted to update our billing information, all seemed to be going well and they gladly took our automated payments for several months UNTIL I had an injury that could possibly result in surgery. It is a really, really good reminder to read every single word of the guidelines. Good luck on your search! Thanks for the info. That might be our better options. In the letter they are claiming pre-existing conditions that I was not seeking reimbursement for, as well as stating that I have a condition (based on a medication I am taking under doctor’s order for something else but is typically used to treat a specific condition that I do NOT have). I’d say it’s worth a call to see if these brothers and sisters in Christ would make up for the lack of Christian behavior at MCS. I am sick inside that people claiming to be Christian and spout scripture stating we should help others turned their back on us the minute we had a legitimate need. There is a bunch of hoops to jump through, and you might have to apply and be rejected for medicaid before they do. This article is very helpful, especially to those who have never heard of Health Share accounts. 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