Apr
07
2011

Samaritan Ministries: They’ve Always Come Through for Us

Zech had an emergency run to the ER with a bad case of croup. We were able to pay all bills with help from the Samaritan Ministries network.

Friends know that we don’t live on a lot of money. With 13 children in the home, we “survive” off of less than $50k per year. No kidding! As we continue to have children, God continues to provide.

Granted, he’s blessed us with relatively good health, but that doesn’t seem to matter nowadays with insurance costs. No matter how healthy, a family our size would cost well over $1000/month.

We can’t say enough about how much we believe in Samaritan Ministries. Samaritan provides a network of Christians to take care of the needs of one another. We subscribe to their monthly newsletter, complete with helpful articles and lists of members who have specific health-related needs. The network informs us of who to send our monthly fee (approximately $300), and we usually send it with a nice get-well note.

Samaritan has collected over 15,000 member households. That’s about $4 million of health-related needs being met every month, with nothing filtering through insurance industries or government bureaucracy. 100% of our monthly fee goes to a family in need.

And sometimes we are the recipients. We have made a handful of claims since we became members in 2004. Pregnancy expenses have all been reimbursed. Wendy was hospitalized four years ago when she came down with a nasty flu, and the bill ran well over $7000. All of it was reimbursed. One of our children had a cosmetic surgery, something not normally covered in insurance, and though Samaritan wasn’t able to pull completely through for us, the kind people in the network sent us extra gifts to reimburse most of our costs.

When we tell doctors we work through this network, they have always dropped their fees 40-60%. Hospitals–used to the red tape of insurance, lawyers and political nonsense–knee-jerk reduction of fees when we pay upfront. Paying upfront has been noted by some as a “down side” of Samaritan–that we have to pay our medical bills and file claims for reimbursement later. We’re largely a debt-free family (meaning we have plenty of lines of credit), so it always has made sense. Besides, hospitals and doctors are usually very willing to work with patients who aren’t able to pay right away. Really, the comparative advantage is incredible.

If you’re wondering about insurance, give Samaritan a try. Mention the Jeubs sent you their way, too. The word gets back to us when you mark us down as a referral, and we love to hear about others who are blessed by this good ministry.* Visit www.samaritanministries.org/works for more information on the nuts-and-bolts of how it works.

Samaritan Ministries from Samaritan Ministries on Vimeo.

*Full disclosure: Samaritan members receive a discount on a monthly payment when referred by friends (like us). That disclosed, know that we do not endorse anything on this website without being fully sold on its value already.

NOTE: This blog posting was published in October 2010 and April 2011.

About Chris & Wendy Jeub

The Jeub Family live in Monument, Colorado. They encourage couples to love God and love one another, building an atmosphere of love in their homes.

  • http://www.blackgenocide.com Jimmy

    Enjoyed reading the….. testimonial…., shall we call it… and it looks like a neat ministry / insurance plan. I wonder how obama care will effect this. Anyway the best part of all is the picture at the top! You guys have a beautiful and Blessed Family!

  • natalie

    so nice to hear that you have something affordable. If I could just share one thing. We have preferred one health insurance. It is major medical only. They have a family plan which includes two parents and three or more children. So essentially ten kids would cost the same as three. The family plan is around four hundred fifty a month. So you probably could get health insurance for under a thousand a month. And this is not through a company. This is insurance that we just buy. Just sayin. Congrats on your pending addition.

  • tereza

    We don’t have insurance. Whatever medical expenses we have: surgery, ER, doctor’s visits, hospital’s stay, we negotiate our bills ourselves.

    For that, we have an emergency fund. We believe that instead of giving control over to someone else of our money and decision making, we should do it ourselves.

    We not only negotiate our fees but we take care of our health so that we only go to the doctor when it’s really necessary. I think that preventive medicine is a very important part of being a healthy person.

    Another thing we do is sow into others lives. We have many times helped with dentist bills, hospitals bills and other needs. As we sow, we believe God will provide for our needs when they appear.

    So far, we have been able to pay from our own pocket for 3 deliveries at hospitals (the last one was a bit over $5,000), one surgery and 3 ER visits in 10 years of marriage.

    We praise God for that, for He is the one who gives us the ability to gain wealth, and He is the one who supplies for our needs according to His riches in Glory.

  • Carol

    Unfortunately in Massachusetts I don’t think this plan would “fly”. The plan has to meet the state’s standards or it not considered sufficient and then the individual/family is penalized. Samaritan sounds like a great idea and so much more efficient. Thankfully though my husband’s job provides a rather nice plan.

  • http://www.samaritanministries.org James Lansberry

    Actually, Carol, we have been approved by the Mass Connector Authority as meeting the intent of the insurance mandate there without penalty. Please contact our offices and we’d be glad to explain how this can work there. You can get us during business hours at 888-268-4377.

    James Lansberry
    Vice President
    Samaritan Ministries International

  • http://www.jeubfamily.com Chris & Wendy

    Thanks for posting, James! You guys are doing fantastic work.

  • Hattie O’Brien

    Hi- My comment is a bit off topic as relates to the Samaritan Ministries (we are currently in the process of checking into this insurance) but I’d like to recommend something for croup… I stumbled onto a way to prevent croup 2 yrs ago after my son had to be taken to the ER for yet another croup treatment. Since then none of our 6 kids have had croup at all. Sometimes you can tell when croup is starting, sometimes it seems to start as a sore or scratchy throat. When my kids start sounding funny or say they have a sore throat I give them 1 tsp of apple cider vinegar 3 times a day. Usually it only takes 2 spoonfuls. Any vinegar will do but the apple cider is the easiest to swallow- we get Bragg’s vinegar with the “mother” in it. My kids ask for it any time they have a yucky throat as they know it will help. Generally when my kids are sick we cut out sugar as a preventative measure as well. The vinegar works on strep too. Of course this is where I would normally insert the common sense disclaimer: be sure to seek medical attention if your child needs it! Hope Zach gets well soon!

  • Wendy Jeub

    Hattie – Thank you! I will try that for sure. I have done the ACV but not 3 times a day.

  • Heather

    Well, Chris, I have to say that in these past 2 years we have just been drowning in medical bills, and we DID have insurance that we paid 300-400 per month for. It was just such bad insurance that they didn’t cover squat! Thanks to you, we are now members of Samaritan! I think the great part about is that it is NOT insurance. It is not run like an insurance company. It only functions because people care about one another. What a great ministry! Oh, and by the way, I put the Jeub’s down as the referral ;o)

  • Wke

    Since there is a $250,000 lifetime cap, how would this help you in a catastrophic situation?

  • Lauren

    Just received our notice in the mail today that we were accepted to SM!

    • http://www.jeubfamily.com Chris Jeub

      Awesome! We just figured out our receipts for Micah’s finger: 100% has been covered! We’re working on a blog post to explain.