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More like community, not government. Much of what ails American society is foundational; government providing, instead of community coming together. When a society has no integral soul, center, there is no heart. Most naively believe government should provide, decide all, allocate all; in a lemming like march to the cliff.
What a beautiful view. While it lasts.
Quote:
Originally Posted by in_newengland
But it's SOCIALISM!
Anyway, this was discussed on CD in the health insurance forum. I looked it up and there are none of these special churches anywhere near me. And also it said that they could refuse to reimburse you. (reading the fine print.) Probably if you had a really high bill or got a long term illness that got expensive, they'd deny you.
I'd rather have somebody fix Obamacare so that it works the way it was originally supposed to and be fair to all.
If they don't feel like paying a claim, they just say you're not christian enough and that's that.
Since it is not health insurance but rather "cost sharing," there is no guarantee that your medical bills will be "shared," nor any legal protections to ensure that your claims will be paid.
Any appeals to denials of cost sharing are overseen by the ministry itself as there are no government regulatory agencies with oversight authority. Ministries are not required to maintain reserves to cover expensive medical treatments.
This is not health insurance but rather a "healthcare option" where those without pre-existing conditions who meet certain qualifications pay their own medical bills and then submit certain medical bills for reimbursement.
Last edited by GotHereQuickAsICould; 02-03-2019 at 03:20 AM..
No transplant center in the the U.S. will consider patients who are uninsured and consider those with cost-sharing plans as uninsured.
Say you need a kidney transplant and do not have the $300K+ to pay upfront, plus the $3K/month for medications, your option is to buy regular health insurance, which according to ACA laws cannot refuse those with pre-existing conditions.
Christian cost-share plans skim off the cream of the health insurance market.
If things go sour, these good Christians jump back into the regular health insurance market where the rest of us cost-share.
Last edited by GotHereQuickAsICould; 02-03-2019 at 03:06 AM..
These Christian, cost-sharing plans are not health insurance.
Nor does the media keep it a secret.
I agree with this, as well as your two posts immediately prior to it.
Is it an option? Sure, for those who qualify and are willing to accept the conditions?
Is it insurance? No.
OP is really upset at some of the reactions here, but I suspect if the original post, as well as the header, had been more honest, the reactions would have been far less critical. When you come out swinging, people will swing back.
People who opt out of health insurance and then opt back in when they need it, drive up the the costs for those who pay health insurance premiums year after year.
Currently, a lawsuit is underway brought by 20 states seeking to invalidate pre-existing condition protections contained in the ACA.
If this lawsuit is successful in eliminating protections for pre-existing conditions, it may make these Christian cost-sharing plans less appealing.
Mmm. Let's see. Looks like five of the eight raved about Samaritan. Two whined about the paperwork which is necessary, and not too difficult if you can keep records of who paid you and when. The other wanted Samaritan to insure a pre-existing condition for her adopted child., which is clearly against their policy as stated up front.
So no complaints about coverage, which we knew there wouldn't be. Im wondering if any of these people ever had to deal with their cases over the phone with these 0bamacare- sanctioned providers. My wife used to be on the phone for HOURS with these clowns, trying to get their errors straightened out, having to dispute charges, etc.
But the bottom line with Samaritan, and this is from someone who has filed three different claims with them, things will go smoothly if you keep track of all your transactions and READ the bylaws to see specifically what is and isn't covered, and you will be FINE. But if you lose receipts, don't keep track of stuff, be generally irresponsible, you will have problems getting your money in a timely manner. In other words, act like an intelligent person.
You claimed there were no negative reviews anywhere online and that it showed how perfect your "insurance" is. A five second search showed otherwise.
Another poster also linked to an article about a couple who adopted children from Africa. Your provider refused to pay for $6000 in bloodwork because any adopted children's conditions were considered pre-existing. This couple went so far as to provide biblical quotes to the company in making their cases but to no avail. The "generous" people who share in your plan coughed up a few hundred in total.
Thought you Christians encouraged adoption over abortion or birth control. Don't want to pay for it though.
Few practicing Christians lie and defraud? How about all those televangelists who lied and took people's money? Sorry, but that's what I think of now when I think of a Christian. I think some of them even went to jail.
There are plenty of decent Christians who definitely wouldn't be acceptable to this niche of "Christians." They wouldn't be the right kind of Christian. There are plenty of Catholics and Protestants who would be discriminated against by this sect even though they are religious and honest and they don't tell lies. There are a lot of atheists who are good people too.
This kind of thinking is really insulting to good, hard working Americans who just don't fit into some special little religious niche. And who's going to hold them to their promise to pay the claim? If they're anything like the pastors in the corrupt megachurches, they'll play favorites and if you're not one of their pals, good luck/good bye.
I'd rather have some real laws regarding what is done and what is not done. To me, that's more American and more fair.
Obviously there are exceptions on both sides, but why don't you conduct this little test: Leave a $100 bill on the seat of your unlocked car with the windows down in a packed church parking lot on a Sunday morning, A large church where they have two services and Sunday School (or CCD) in between, say from 8:00 to noon. Then try the same thing at your local Walmart for a four-hour period during their busy time, say Saturday between 2 and 6 pm. This represents the population at large. In which scenario do you think your $100 is more likely to be there at the end of four hours? You know damn well which group you would trust more.
Or lay a wallet on the ground of either parking lot, filled with bills, but with your name and address in it, as on an old ID. Then track the wallet. Which one do you think is more likely to be returned either to the front desk or to you? Again, you know where your chances are better.
The Samaritan model works because they have a pool of better people, overall. Plain and simple, and I don't care how that sounds. It's the truth.
You claimed there were no negative reviews anywhere online and that it showed how perfect your "insurance" is. A five second search showed otherwise.
Another poster also linked to an article about a couple who adopted children from Africa. Your provider refused to pay for $6000 in bloodwork because any adopted children's conditions were considered pre-existing. This couple went so far as to provide biblical quotes to the company in making their cases but to no avail. The "generous" people who share in your plan coughed up a few hundred in total.
Thought you Christians encouraged adoption over abortion or birth control. Don't want to pay for it though.
Your example is pure idiocy. Those kids had a PRE-EXISTING CONDITION when the parents approached Samaritan. PRE-EXISTING CONDITIONS ARE NOT COVERED, as stated up front in the bylaws. I don't know why this was a problem. So my claim still stands. Not one review of a case Samaritan said they would cover up front that they didn't.
People who opt out of health insurance and then opt back in when they need it, drive up the the costs for those who pay health insurance premiums year after year.
Currently, a lawsuit is underway brought by 20 states seeking to invalidate pre-existing condition protections contained in the ACA.
If this lawsuit is successful in eliminating protections for pre-existing conditions, it may make these Christian cost-sharing plans less appealing.
Samaritan was there long before 0bummercare. It will be there after.
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