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I am self-employed. We used to have a great private health insurance plan. Our whole family of seven had a family plan for $460/month. In late 2014, we got notice that the plan would be discontinued, that we had to move to an 0bamacare-approved plan. Comparable 0bamacare plan with a $6000 deductible----$1400/ a month. I was outraged.
In late November, I heard an ad on the Rush Limbaugh program about a Christian health insurance alternative that was exempt from 0bamacare. It was called a co-op. I won't mention the name, so I won't be accused of advertising. So after some googling, I found out there were three such co-ops that existed before the ACA, and were exempt from it. What I found was unbelievable. Virtually unlimited caps, no deductible, and very inexpensive. I was amazed this option was never discussed in the media, and now I understand why. If widely known about, it would have been a huge threat to 0bamacare. And even though the ACA has been temporarily defanged by Trump, the law is still in place for the next Democrat president to restore in full.
The co-op I chose charged $465 for family plan, $160 for individuals. $5 million cap. No deductible. But there are RULES. You have to be a Christian, attend Christian church services at least three times a month, get your pastor to sign off on it, abstain from smoking, drinking to excess, and sex outside of marriage. It does not pay for check-ups or pre-existing conditions, you have to have been cancer-free for five years, and can't have Type I diabetes.
The reason it's so cheap is it doesn't pay for garbage like birth control, abortions, Viagra, or anything immoral like 0bummer care requires. And it won't pay if you've violated one of the rules. Say you get hurt in an accident where you get injured because you or someone you were with were driving drunk. Not covered. You get pregnant and are not married. Not covered. You smoke and get lung cancer. Not covered. Check-ups are not covered. Why should they be? That's not what insurance is from. And if you don't pay your premium, you get kicked out.
But the GREATEST THING OF ALL, is the 'premiums' are assigned and sent DIRECTLY to other members to pay their bills for 11 of the 12 months. The other month's premium is sent to the home office for administrative costs. So the GREATEST STRENGTH is over 90% of the money sent is never seen by a central office. So there is no pile of money anywhere to get stolen, grafted, or misused. In other words, it's the total opposite of damned government!!!
It wasn't long before it was put to the test. In 2015, I tore my quadriceps tendon off the kneecap. That was major leg surgery. The total bill was $13000. (As a self-pay, you keep costs down.) Samaritan members covered it all. No deductible. Physical therapy included. I didn't pay a dime!!!! Many even sent encouraging notes. People taking care of people. No wasted cost. True Christian charity. Exactly the way insurance and ALL GOVERNMENT SERVICES should be run!
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68,330 posts, read 54,419,437 times
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Quote:
Originally Posted by Cheesemont
I am self-employed. We used to have a great private health insurance plan. Our whole family of seven had a family plan for $460/month. In late 2014, we got notice that the plan would be discontinued, that we had to move to an 0bamacare-approved plan. Comparable 0bamacare plan with a $6000 deductible----$1400/ a month. I was outraged.
In late November, I heard an ad on the Rush Limbaugh program about a Christian health insurance alternative that was exempt from 0bamacare. It was called a co-op. I won't mention the name, so I won't be accused of advertising. So after some googling, I found out there were three such co-ops that existed before the ACA, and were exempt from it. What I found was unbelievable. Virtually unlimited caps, no deductible, and very inexpensive. I was amazed this option was never discussed in the media, and now I understand why. If widely known about, it would have been a huge threat to 0bamacare. And even though the ACA has been temporarily defanged by Trump, the law is still in place for the next Democrat president to restore in full.
The co-op I chose charged $465 for family plan, $160 for individuals. $5 million cap. No deductible. But there are RULES. You have to be a Christian, attend Christian church services at least three times a month, get your pastor to sign off on it, abstain from smoking, drinking to excess, and sex outside of marriage. It does not pay for check-ups or pre-existing conditions, you have to have been cancer-free for five years, and can't have Type I diabetes.
The reason it's so cheap is it doesn't pay for garbage like birth control, abortions, Viagra, or anything immoral like 0bummer care requires. And it won't pay if you've violated one of the rules. Say you get hurt in an accident where you get injured because you or someone you were with were driving drunk. Not covered. You get pregnant and are not married. Not covered. You smoke and get lung cancer. Not covered. Check-ups are not covered. Why should they be? That's not what insurance is from. And if you don't pay your premium, you get kicked out.
But the GREATEST THING OF ALL, is the 'premiums' are assigned and sent DIRECTLY to other members to pay their bills for 11 of the 12 months. The other month's premium is sent to the home office for administrative costs. So the GREATEST STRENGTH is over 90% of the money sent is never seen by a central office. So there is no pile of money anywhere to get stolen, grafted, or misused. In other words, it's the total opposite of damned government!!!
It wasn't long before it was put to the test. In 2015, I tore my quadriceps tendon off the kneecap. That was major leg surgery. The total bill was $13000. (As a self-pay, you keep costs down.) Samaritan members covered it all. No deductible. Physical therapy included. I didn't pay a dime!!!! Many even sent encouraging notes. People taking care of people. No wasted cost. True Christian charity. Exactly the way insurance and ALL GOVERNMENT SERVICES should be run!
Calling them both garbage explains a lot.
And personally, limiting membership to Christians doesn't sound very Christian or charitable to me.
This was brought up at my church. A couple of things I noticed in the OP.
1. Unlike the Christian Church, the insurance appears to turn people away. Fortunately, true Christianity is accepting.
2. The OP states that you have to be Christian. Cheesemont uses judgement (terms like garbage, immoral, and even being judgemental words about peoples' appearance) in her post history. So I'm guessing that she did not actually qualify for the insurance.
Good to know it is an option for me and my family, however.
And personally, limiting membership to Christians doesn't sound very Christian or charitable to me.
Think about it. The whole reason it works and is so cheap is the Christian rules. So why would you admit people who don't follow the rules? Then the co-op fails. Wouldn't that be asinine?
I suspect refusing to cover pre-existing conditions, diabetes and preventative care are what makes it so cheap, not refusing to pay for “immoral” birth control.
I also wonder what happens if multiple members of the pool need expensive care in a given year and the money runs out.
But I’m glad you found a plan that works for you and that your injury was covered.
This was brought up at my church. A couple of things I noticed in the OP.
1. Unlike the Christian Church, the insurance appears to turn people away. Fortunately, true Christianity is accepting.
2. The OP states that you have to be Christian. Cheesemont uses judgement (terms like garbage, immoral, and even being judgemental words about peoples' appearance) in her post history. So I'm guessing that she did not actually qualify for the insurance.
Good to know it is an option for me and my family, however.
So you think it's un-Christian to call abortion 'immoral'? Seems an odd position for a self-professed Christian to take.
And since I detailed my claim with Samaritan Ministries, I obviously qualifiedl. lol
OK, are we talking Christian or Evangelical? Evangelicals kind of have a history of thinking they are the only Christians on this planet. Some clarification would be useful. There are many millions of Christians in this country who are not Evangelical.
I suspect refusing to cover pre-existing conditions, diabetes and preventative care are what makes it so cheap, not refusing to pay for “immoral” birth control.
I also wonder what happens if multiple members of the pool need expensive care in a given year and the money runs out.
But I’m glad you found a plan that works for you and that your injury was covered.
The company I use has been around since 1994. Again, there is no pool of money to run out. If it becomes apparent that the needs are exceeding the assigned giving, then the board of directors raises the premium each June. In 25 years, every qualified need has been 100% covered. There is never any hassle. No maze to go through. No bureaucracy, no unintelligible representatives. Can your secular insurance company make the same claim?
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