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.
*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.