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They're not the only idiots though are they? What do you call all those citizens of other countries that manage to provide healthcare to everyone from cradle to grave, affordable education to all, and a better quality of life while doing it?
It's the idiots in a first world developed country that is the sole outlier that are actually saying it is only THEIR form of government that cannot be trusted to provide those things while still maintaining a faux superiority of systems.
Now that's the veritable definition of idiocy. "We're the only ones that are so special but we're the only ones that do not provide those things and cannot trust our government to perform with morality and ethics."
See anything wrong with that picture?
The government is not even supposed to be in the business of healthcare, among other things the left has begged them to run for them. What the idiotic mouth breathers on the left continually fail to comprehend is that every time they ask the government to get involved in social issues, the costs go through the roof - and then they pi$$ and moan about the costs and use that as an excuse for even more government.
Stop asking the government to be your parent.
Quote:
Originally Posted by corpgypsy
Fetuses are in the womb. Not little babies. A fetus can't survive on its own. It is fully dependent on its mother's body, unlike born human beings who then are babies.
A baby can't survive on its own, either. The whole "fetus can't survive on its own" is a stupid argument that murderers of children like to use.
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!
I find this appalling. Why do you have to bow down to their commands. They are not Christians.
Be aware of the restrictions and limitations of each Medical Cost Sharing Ministry.
For example, the Ministry the OP participates in caps sharing at $236,500-$250,000 per need ( illness or accident)
This ministry caps sharing of prescription medication costs to a 120 day supply. Some ministries don’t cover any medications or treatments.
Members are encouraged to save for situations that could result in higher expenses.
Other ministries have lower or higher annual and lifetime caps.
Members are and remain personally responsible for all medical bills.
The first monthly Dues are payable to the ministry to cover their administrative costs, including management, finance, advertising, brokerage commissions, processing “ Need” forms ( claims in insurance speak), etc.
Here’s a link to left leaning HP that does a decent high level job of balancing some of the pros and cons:
This is the second time, I've had to correct this poster's misinformation. While Samaritan's standard policy caps the sharing at $250,000, Samaritan offers its Save-to-Share plan which will insure someone up to $5 million. A single person puts aside $133 per year. A family puts aside $299. This money stays with the donor until part or all of it is needed during the year.
(To date, the largest payout necessary has only been $700,000). Save to share has a negotiation team handles large claims. The yearly fee for the super-catastrophic is ridiculously cheap, as you can see.
Saying people are 'responsible for their own medical bills" with Samaritan implies Samaritan hasn't paid for some claims. This is completely false, as Samaritan has never missed paying for a claim that isn't prohibited in the by laws.
The fact is, the far left doesn't like Samaritan Ministries at all, yet nobody can point to a single case where Samaritan did anything wrong. Not even in Huffpo.
Every one of these medical cost sharing ministries makes clear the limitations of “ sharing”. No two ministries have the same limitations. None will take care of all your medical expenses.
This is a lie. Please stop lying. Samaritan will pay virtually unlimited costs in it's Save-to-Share program which costs singles $133 a year, and families $299 a year that they set aside each year. In three years of haing Save-to-share, we've never used up the total amount.
Religious aspect aside, the Medical Cost Sharing Ministries rely on very carefully crafted language to differentiate themselves from insurance and in doing so, avoid regulation and obligation to pay “needs” (claims).
Pre ACA, most states allowed consumers to purchase healthcare insurance with endless exclusions and limitations, including but not limited to not covering preventative/ wellness care, doctor visits, tests, prescription medications, treatments, absence of networks, ( thus reimbursement was limited to out of network rates) relatively low annual or lifetime or illness/ accident caps, relatively high deductibles, exclusion of certain conditions, etc.
Junk Plan is a spectrum.
As for the religious aspect, I view it as a marketing hook. Nothing more or less.
I can understand the appeal for younger, healthy households who understand the limitations and are able and willing to absorb risks of unshared expenses.
There are no risks of unshared expenses. The Christian aspect is what causes the whole process to work. It reduces fraud, which is the biggie. Few practicing Christians lie and defraud. That's why secular companies couldn't get away with Samaritan's model. Simply put, the irreligious are far more likely to lie.
There are no risks of unshared expenses. The Christian aspect is what causes the whole process to work. It reduces fraud, which is the biggie. Few practicing Christians lie and defraud . That's why secular companies couldn't get away with Samaritan's model. Simply put, the irreligious are far more likely to lie.
What would you call blindly making up statistics, then?
I’m not talking about insurance. I was talking about these so called Christians with their demands
But no one is forced to be a member of Christian Healthcare Ministries.
More than I can say for the ACA.
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