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In the usual banter, something is lost. Who do you exactly send your bills too? Somebody said there's no pot of money sitting somewhere. So who pays the bills?
In the usual banter, something is lost. Who do you exactly send your bills too? Somebody said there's no pot of money sitting somewhere. So who pays the bills?
From what I can gather, 11 out of your 12 monthly payments are sent directly to someone who has a claim that needs to be paid. That way it actually isn't a tithe, which is another way to avoid entanglements.
So it isn't insurance and it isn't a tithe. Whatever you call it, it is pretty well protected. Someone did their homework when coming up with the scheme.
I agree that things like birth control pills and general checkups should not have to be covered by insurance. They are not expensive or treating a disease (unless bc is used to treat symptoms of a disorder, then it should be covered). I pay plenty for my maintenance meds which went OTC and are no longer covered. I am not sure about Viagra. ED may or may not be a true medical condition.
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!
They don't allow pre-existing conditions eh? Translation: the moment you actually need their coverage, you're booted off the plan.
Maybe you're fine with just an externally caused injury, but good luck if you're ever diagnosed with anything other than the common cold.
And it sounds like no actual preventative care is covered either. Why spend money ensuring that people are in track to stay healthy when they could be forced to wait for issues to bloom into messy conditions that just so conveniently would qualify as a pre-existing condition or violation of "the rules?"
If you think that's "true Christian charity", then you must think terribly of Christianity.
Last edited by ohhwanderlust; 02-02-2019 at 10:51 AM..
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!
The whole US economy runs on greed. And so people suffer unnecessarily for it. People is making this whole issue about religion and they are right in that people shouldn't have to go to church to obtain a good healthcare plan at a low price. But as always they miss the important point.
One trained medical billing advocate says that over 90 percent of the medical bills that she has audited contain "gross overcharges".
Americans spend about twice as much as residents of other developed countries on health care, but they receive much lower quality and far less efficiency in return.
Approximately 46 million Americans do not currently have any health insurance at all. That means that 46 million Americans are just one really bad day away from financial ruin without any protection whatsoever
Last edited by thelogo; 02-02-2019 at 11:02 AM..
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