We used Medi-Share for several years. Then switched to Samaritan Ministires, and are with them now.
We aren't sick often, so haven't used them a lot. My dh really appreciates that our money goes to lend support
We switched because the rate with Medi-Share had so gone up in the last few years.
We originally went with Medi-Share because of their willingness to cover motorcycles, if I remember correctly.
And they had a major medical policy that extended above their sharing coverage. Now the major medical policy
is not part of it.
I'm pulling info off the top of my remembrance... not always the best source!
I can tell you that when our ds broke his wrist on growth plate, it was expensive at Children's Hospital. Over $7000.00.
Medi-Share paid all but our minimal portion.
I have found a Convenience Clinic in our town who takes patients for $50 per visit, and $25 for sports/scouts physicals.
We use them whenever needed.
Also, because of being classified as self-pay with doctors, we often get a discounted rate. They don't have to go thru
huge insurance companies to get their money, and they aren't under the thumb of what insurance companies will cover.
Thus, some are willing to give considerable discounts for self-pay, and some are not. For most we've encountered, it
did not make a difference at all in care.
When we were with Medi-Share, they did not want us to go to a place outside of their 'network.' But, since we wanted
to take ds to a noted children's orthopedic specialist, we called to tell them of our choice, and they okayed it. They paid it.
Their turn-around time for payment to the doctors/hospital was longer than we'd anticipated, but it seemed acceptable to the doctors and hospital.
Also, Medi-Share paid all except our mininal portion for dh's colonoscopy. No problems with payment, but again, not as quick as I'd thought it might be.
We've not make claim/request with Samaritan Ministires. We've only been with them a few months. A good friend of mine has been with them for several years, and they've paid every time.
With Medi-Share, I had payment sent automatically from the bank as auto-pay. With Samaritan Minsitries, since we sent payment to the family in need, I have to send via snail mail... not a problem, just one more step each month.
Please read the current info with each group. Things changed much over the years we were with Medi-Share, so you might be getting some outdated info as you ask for opintions from those who had used it in the past. Each of them has people who will support them, and others who don't. Careful reading of their info is helpful. I made a chart to compare the two, so that I could better get a grasp of the similarities and especially the differences... that proved helpful to our decisions.
I've certainly enjoyed the helpfulness and cheerfulness from Samaritan Ministries. I'm a question-asker, and they were very helpful to answer every question I could think of.
Hope that helps. It's a big decision, I know. Both have worked fine for our family. I am glad to be with Samaritan Ministries now. You'll have to let us know what you decide.
Again.... just keep in mind that you need to get current info to make your decision. After you do that, I would suggest calling each of them with questions you might have. If you find a particular thing that matters to you within one, call to ask how long it's been that way. It would be frustrating to make a decision based on one thing, then have the members vote it to another method after you join, so longevity of a particular method might be helpful to know.
I pray you make wise decisions for your family.