Samaritan Ministries vs Medi-Share?

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Samaritan Ministries vs Medi-Share?

Postby PamJM » Tue Jan 18, 2011 6:10 pm

We are looking into joining one of these. I think I've seen another group as well. If anyone has opinions about which might have advantages over another, I'd appreciate hearing them!
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Re: Samaritan Ministries vs Medi-Share?

Postby Denise » Wed Jan 19, 2011 1:27 pm

I looked into these when I was diagnosed in June of 2009. I have to say that it kind of bothered me that the whole philosophy behind them is bearing one another's burdens and loving the brethren but it's only if you don't have a pre-existing condition :/ ; then you're out on your own.

That's their policy and that's fine; I just found it a little....oh, someone give me the word :B
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Re: Samaritan Ministries vs Medi-Share?

Postby TamieJP » Wed Jan 19, 2011 1:50 pm

Denise wrote:That's their policy and that's fine; I just found it a little....oh, someone give me the word :B


Denise, what you are saying makes a lot of sense BUT - The problem with any 'health insurance' and 'pre-existing diagnoses' is that one has not paid into the program or insurance before needing to withdraw from it.

Pam, I do not know anything about them so I cannot help discuss it.
If we believe absurdities, we shall commit atrocities.
-- Voltaire


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Re: Samaritan Ministries vs Medi-Share?

Postby Denise » Wed Jan 19, 2011 2:28 pm

The problem with any 'health insurance' and 'pre-existing diagnoses' is that one has not paid into the program or insurance before needing to withdraw from it.


Yeah, totally familiar with this :thumbsup. But there could have been some sort of waiting period for my pre-existing condition like I had with the health insurance I ended up with.
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Re: Samaritan Ministries vs Medi-Share?

Postby TamieJP » Wed Jan 19, 2011 6:48 pm

Denise wrote:Yeah, totally familiar with this :thumbsup. But there could have been some sort of waiting period for my pre-existing condition like I had with the health insurance I ended up with.

That's true.
If we believe absurdities, we shall commit atrocities.
-- Voltaire


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Re: Samaritan Ministries vs Medi-Share?

Postby Beverly » Thu Jan 20, 2011 6:43 pm

The experience we had was only with my sister in law, who died of breast cancer in 2002. At the time, they would not cover any of her treatments, BUT, she had chosen to do all alternative methods and no medical treatment whatsoever. Her husband used to call them "Med-share/We Don't Care". I don't know if they covered the hospital expenses the week that she passed away.
We found out just a few months ago from her husband that Medi Share ended up paying her Mexico treatments, AFTER her husband had already paid the facility $40,000 in cash. He said that the facility was no longer in existence and they took off with all $80,000.
I would very careful and get all the information and fine print information before you commit. Definitely be careful, especially if you have a pre-existing condition (which she did not before she signed up).
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Re: Samaritan Ministries vs Medi-Share?

Postby Ruth » Thu Jan 20, 2011 6:51 pm

We were a part of Samaritan Ministries for a year. We had a good experience, but we also did not really need to use it much. It was nice knowing the coverage was there for a catastrophic event. What I liked about Samaritan Ministries is that our check went directly to the person who needed it. We could write a note of encouragement to the person to go along with our check. If I remember correctly there was a yearly fee that went to the Ministry to pay for administrative costs, but all our checks went directly to the person in need.

We did not choose to use Medi-Share because I was not impressed with them, but I don't remember why anymore.

Edit: Oh, and like Denise said, my back was not covered under Samaritan Ministries because it was a pre-existing condition. It didn't bother me then because I knew it was risky for them. But, I hear what Denise is saying.
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Re: Samaritan Ministries vs Medi-Share?

Postby PamJM » Thu Jan 20, 2011 9:35 pm

I'll keep researching. We might be better off with a catastrophic plan combined with an HSA.
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Re: Samaritan Ministries vs Medi-Share?

Postby psweems » Sat Jan 22, 2011 6:59 am

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
to brethren.

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.
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