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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!
Well how Christian of that insurance not to take care of the sick! However a cash cow for that "christian insurance company!" The reason it is so cheap is because it does not cover pre-existing conditions, diabetes, or cancer for five years.
You do know that when these association plans were started, there needed to be a common thread among the members for the plan to legally be started. Things like occupation or common membership like AARP were needed for you to legally join the plan. Those rules still exist and it what keeps them grandfathered in under the new ACA rules.
I am amazed at the lack of knowledge about health plans in this thread. I guess buying my own insurance for 25 years has made me more knowledgeable, but most folks seem to not have a clue about health care laws.
Why not just have a christian insurance plan in which for a low monthly premium, thought and prayers will be done for you.
Why would you think you wouldn't use all the tools at your disposal? Most of God's works are like that where people use their intelligence and ingenuity to accomplish things.
Samaritan covers children born to parents who were already on the Samaritan plan.
I have no idea why you people can't understand that Samaritan, unlike 0bummercare, has to be 100% self-sufficient to keep on serving people. It's genius is the direct payment from one member to another with MINIMAL centralized involvement. Cuts down cost an inefficiency. There's nobody to make a profit, and no money pile to make a profit from. Just the way government should be run, except it isn't.
From the OP:
“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.”
So, are the children with Type I diabetes covered or not?
Well how Christian of that insurance not to take care of the sick! However a cash cow for that "christian insurance company!" The reason it is so cheap is because it does not cover pre-existing conditions, diabetes, or cancer for five years.
I realize you're probably just tuning in, but we've been over that a dozen times, sister. In order to stay solvent, an insurance company has to have rules and restrictions, unlike 0bummercare for which fiscal responsibility or efficiency is given no thought. There is no 'cash cow' because there is no pile of cash. The home office doesn't see 93% of the money that changes hands. Premiums are sent directly to assigned members with needs. The home office just coordinates it all. Nobody makes a profit.
Why would you think you wouldn't use all the tools at your disposal? Most of God's works are like that where people use their intelligence and ingenuity to accomplish things.
Why wouldn't we use all tools at our disposal? Ask that "christian insurance company" why they wouldn't. It is that "christian insurance company" that will not allow their christian members to use all tools at their disposal for pre-existing conditions, diabetes, or cancer within five years. Apparently the christian god is more for profit than helping those he "blessed" with diabetes.
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