{"id":1018,"date":"2022-09-08T19:52:53","date_gmt":"2022-09-08T19:52:53","guid":{"rendered":"https:\/\/khetwise.com\/blog\/samaritan-ministries-review\/"},"modified":"2022-09-08T19:52:53","modified_gmt":"2022-09-08T19:52:53","slug":"samaritan-ministries-review","status":"publish","type":"post","link":"https:\/\/khetwise.com\/blog\/samaritan-ministries-review\/","title":{"rendered":"Our Samaritan Ministries Experience After 7 Years"},"content":{"rendered":"<p class=\"wp-block-paragraph\">As homesteaders and entrepreneurs, we are often asked, \u201cWhat do you do for health insurance?\u201d Our honest answer is that we don\u2019t. Instead, we\u2019ve been members of Samaritan Ministries, a health care sharing ministry for over 7 years.<\/p>\n<p class=\"wp-block-paragraph\">Prior to beginning this journey of homesteading and working for ourselves, Jim had a job at a local University with excellent benefits. As we examined the traditional health care system and our goals for the future, while he was still working there, we made the switch from his PPO plan to <a href=\"https:\/\/samaritanministries.org\/fromscratch\" target=\"_blank\" rel=\"noreferrer noopener\">Samaritan Ministries<\/a>.&nbsp;<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/Our-Samaritan-Ministries-Review.png\" alt=\"Our Samaritan Ministries Review\" class=\"wp-image-82528\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/Our-Samaritan-Ministries-Review.png 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/Our-Samaritan-Ministries-Review-300x200.png 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/Our-Samaritan-Ministries-Review-1024x683.png 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/Our-Samaritan-Ministries-Review-768x512.png 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<p class=\"wp-block-paragraph\">7 years later, we couldn\u2019t be happier with this decision! Health care sharing with Samaritan Ministries is the right fit for our family\u2014and it might be for you as well.<\/p>\n<p class=\"wp-block-paragraph\">Here is our review of <a href=\"https:\/\/samaritanministries.org\/fromscratch\" target=\"_blank\" rel=\"noreferrer noopener\">Samaritan Ministries<\/a>. Plus, we\u2019ll break down our real world examples of how health care sharing has practically works for our family of 6 when medical needs arise.<\/p>\n<h2 class=\"wp-block-heading\">What is Health Care Sharing?<\/h2>\n<p class=\"wp-block-paragraph\">If you\u2019re coming from the conventional health insurance world, like we were, the concept of health care sharing can be confusing and intimidating.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">The first thing you need to know is that health care sharing is NOT health insurance. It\u2019s entirely different. So what is it?<\/p>\n<p class=\"wp-block-paragraph\">Simply put, health care sharing is a community of people sharing the financial burden of one another\u2019s medical needs.&nbsp;<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/writing-a-check-to-another-samaritan-member.jpg\" alt=\"writing a check to another samaritan member\" class=\"wp-image-82529\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/writing-a-check-to-another-samaritan-member.jpg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/writing-a-check-to-another-samaritan-member-300x169.jpg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/writing-a-check-to-another-samaritan-member-1024x576.jpg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/writing-a-check-to-another-samaritan-member-768x432.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<p class=\"wp-block-paragraph\">The way this happens can vary depending on the health care sharing company. One of the big things that stood out to us about Samaritan Ministries is their <strong>direct member-to-member sharing<\/strong>.<\/p>\n<p class=\"wp-block-paragraph\">This means that each month, our money is sent directly to another Samaritan Ministries member. Not to a company. But to a real person with a real medical need.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">We\u2019ll break this down more as we go.<\/p>\n<h2 class=\"wp-block-heading\">What is Samaritan Ministries?<\/h2>\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/samaritanministries.org\/fromscratch\" target=\"_blank\" rel=\"noreferrer noopener\">Samaritan Ministries<\/a> is a Christian based health care sharing company with 270,000 members.<\/p>\n<p class=\"wp-block-paragraph\">You\u2019ll find this description on their website:<\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-theme-palette-8-background-color has-background wp-block-paragraph\">\u201cSamaritan Ministries is a Biblical solution to health care. It is not insurance. We deliver authentic, compassionate, and personal service in the name of Christ to enable and inspire members to provide for one another\u2019s medical needs through prayer, encouragement, and financial support.\u201d<\/p>\n<\/blockquote>\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<p class=\"wp-block-paragraph\">They are headquartered out of Peoria Illinois. Having previously lived in Peoria for nearly a decade, we personally knew and attended church with a few Samaritan employees. They were wonderful people who genuinely believed in and cared about their work at Samaritan.&nbsp;<\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"What We Do Instead - Samaritan Ministries Review After 7 Years\" width=\"720\" height=\"405\" src=\"https:\/\/www.youtube.com\/embed\/dGseMIprM2o?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><figcaption class=\"wp-element-caption\">This video shares more of our experience and some of the nuts and bolts of how it works.<\/figcaption><\/figure>\n<h2 class=\"wp-block-heading\">Why the Switch to Samaritan Ministries?<\/h2>\n<p class=\"wp-block-paragraph\">As we mentioned above, we became Samaritan Ministries members while we were still participating in a top-tier PPO health insurance plan through Jim\u2019s employer.<\/p>\n<p class=\"wp-block-paragraph\">So why the switch?<\/p>\n<p class=\"wp-block-paragraph\">While the job Jim had was great, we knew it would likely not be his \u2018forever\u2019 job. Plus, we dreamed of starting our own <a href=\"https:\/\/fromscratchfarmstead.com\/whats-possible-on-a-small-homestead\/\" target=\"_blank\" rel=\"noreferrer noopener\">home-based business<\/a> and working alongside our whole family. We didn\u2019t want to feel stuck with this job, or any job, solely because of benefits.<\/p>\n<p class=\"wp-block-paragraph\">What if we found an alternative health care option that was affordable and could adapt with our family and job situation, wherever life takes us?<\/p>\n<p class=\"wp-block-paragraph\">That\u2019s when we learned about health care sharing. We researched the options, and Samaritan Ministries was the stand-out winner to us.&nbsp;<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve.jpeg\" alt=\"family hike at a forest preserve\" class=\"wp-image-3814\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve.jpeg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-600x400.jpeg 600w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-300x200.jpeg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-1024x683.jpeg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-768x512.jpeg 768w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-1170x780.jpeg 1170w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-585x390.jpeg 585w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-263x175.jpeg 263w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-250x167.jpeg 250w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-550x367.jpeg 550w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-800x533.jpeg 800w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-270x180.jpeg 270w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-450x300.jpeg 450w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/family-hike-at-a-forest-preserve-750x500.jpeg 750w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<p class=\"wp-block-paragraph\">We applied and became members right away, leaving Jim\u2019s PPO plan through his employer.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">We won\u2019t lie\u2014this felt scary! It meant leaving the only health care system we had ever known for an entirely new concept. But it was also exciting!<\/p>\n<p class=\"wp-block-paragraph\">Finally, a program that provided true <strong>FREEDOM<\/strong>. Freedom to choose the health care practitioners we wanted. Freedom to transition our career and location without being tied down.<\/p>\n<p class=\"wp-block-paragraph\">In addition, the <strong><a href=\"https:\/\/samaritanministries.org\/programs\/cost\/\" target=\"_blank\" rel=\"noreferrer noopener\">COST<\/a><\/strong> was on par with what we were already paying monthly and out of pocket for Jim\u2019s previous PPO insurance plan.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">Plus, it gave us so much peace of mind knowing that our money was going directly to other Samaritan Ministries members, instead of a large corporation, and not supporting medical practices that did not align with our Christian <strong>BELIEFS<\/strong> and <strong>VALUES<\/strong>.&nbsp;<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens.jpg\" alt=\"family with backyard chickens\" class=\"wp-image-1762\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens.jpg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-600x400.jpg 600w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-300x200.jpg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-1024x683.jpg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-768x512.jpg 768w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-1170x780.jpg 1170w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-585x390.jpg 585w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-263x175.jpg 263w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-250x167.jpg 250w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-550x367.jpg 550w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-800x533.jpg 800w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-270x180.jpg 270w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-450x300.jpg 450w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/08\/family-with-backyard-chickens-750x500.jpg 750w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<h2 class=\"wp-block-heading\">How Does Samaritan Ministries Work?<\/h2>\n<p class=\"wp-block-paragraph\">Samaritan follows a direct member-to-member sharing model. This means, that instead of making payments to a company to distribute, your money goes directly to an assigned Samaritan member who is undergoing a medical need.<\/p>\n<p class=\"has-theme-palette-8-background-color has-background wp-block-paragraph\"><strong>What is a SHARE?<\/strong> If you are unfamiliar with the term &#8220;share&#8221;, it will commonly come up in this post. So it\u2019s worth clarifying. Shares are the money one Samaritan member shares with another member to pay for the bills received following a medical event such as illness, injury, or maternity. Shares with Samaritan go two ways: 1) money you are sharing to another Samaritan member directly, or 2) money fellow members share directly with you for your need. With regular insurance, you\u2019ll hear terms like <em>payment<\/em>, <em>coverage<\/em>, <em>monthly premium<\/em>, <em>reimbursement<\/em>. With Samaritan, you\u2019ll hear <em>SHARE<\/em>.<\/p>\n<p class=\"wp-block-paragraph\">Samaritan Ministries offers <a href=\"https:\/\/samaritanministries.org\/programs\/comparison\/\" target=\"_blank\" rel=\"noreferrer noopener\">2 health care sharing programs<\/a>: <a href=\"https:\/\/samaritanministries.org\/programs\/classic\" target=\"_blank\" rel=\"noreferrer noopener\">Samaritan Classic<\/a> and <a href=\"https:\/\/samaritanministries.org\/programs\/basic\" target=\"_blank\" rel=\"noreferrer noopener\">Samaritan Basic<\/a>.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Samaritan Classic<\/strong> has an initial unshareable amount of $400, and a sharing limit of $250,000. This means that routine well visits and minor medical expenses below $400 cannot be shared. Qualified medical bills above $400 and below $250,000 are 100% sharable. Your monthly share amount that you send to another Samaritan member will depend on your family size.<\/p>\n<p class=\"wp-block-paragraph\">We are members of <a href=\"https:\/\/samaritanministries.org\/programs\/classic\" target=\"_blank\" rel=\"noreferrer noopener\">Samaritan Classic<\/a> and will primarily speak to our experience using that program in this post.&nbsp;<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/our-from-scratch-family.jpg\" alt=\"our from scratch family\" class=\"wp-image-82531\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/our-from-scratch-family.jpg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/our-from-scratch-family-300x200.jpg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/our-from-scratch-family-1024x683.jpg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/our-from-scratch-family-768x512.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/samaritanministries.org\/programs\/basic\" target=\"_blank\" rel=\"noreferrer noopener\">Samaritan Basic<\/a><\/strong> offers a lower amount that you pay toward another member\u2019s need each month while having a higher unshareable amount for yourself when needs arise.<\/p>\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/samaritanministries.org\/programs\/comparison\/\" target=\"_blank\" rel=\"noreferrer noopener\">Samaritan website<\/a> can help you understand what the costs and limits would be for each program depending on your family size.<\/p>\n<p class=\"wp-block-paragraph\">You may be asking, \u201cBut what about when medical expenses exceed the share limit?\u201d At the bottom of this post is a <a href=\"https:\/\/samaritanministries.org\/resources\/faq\" target=\"_blank\" rel=\"noreferrer noopener\">FAQ<\/a> section where we talk more about the optional Save-To-Share program that Samaritan offers members for catastrophic needs that incur costs above the $250,000 shareable limit.<\/p>\n<h2 class=\"wp-block-heading\">Our Experience with Samaritan Ministries &#8211; Real World Examples<\/h2>\n<p class=\"wp-block-paragraph\">We have so much peace of mind that whatever medical needs arise\u2014sickness, injury, maternity\u2014we will be taken care of with Samaritan.<\/p>\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">In total, since joining Samaritan, we\u2019ve had:<\/p>\n<ul class=\"wp-block-list\">\n<li>3 babies (homebirths)<\/li>\n<li>2 major pediatric medical needs including multi-day hospital stays and an ambulance transfer to a top children\u2019s hospital<\/li>\n<li>4 emergency room or urgent care visits ranging from broken bones, to bug bites, to stitches.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p class=\"wp-block-paragraph\">The full cost (above the initial $400 unshareable amount) of each of these medical needs was met through shares from other Samaritan members. Typically our shares were received from other members within 3-4 months of submitting each bill for that need.<\/p>\n<p class=\"wp-block-paragraph\">Here are three actual examples to help you better understand the process.<\/p>\n<h3 class=\"wp-block-heading\">1. Homebirth<\/h3>\n<p class=\"wp-block-paragraph\">Our last homebirth had bills totaling $6,650.28. We created a maternity need on the Samaritan dashboard at the beginning of our pregnancy.&nbsp; Early on in the pregnancy, after seeing the midwife, she provided us with an itemized bill for the global fee (all associated prenatal, delivery, and postpartum services).&nbsp;<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/homebirth-with-our-3rd-chilld.jpg\" alt=\"homebirth with our 3rd chilld\" class=\"wp-image-82540\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/homebirth-with-our-3rd-chilld.jpg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/homebirth-with-our-3rd-chilld-300x200.jpg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/homebirth-with-our-3rd-chilld-1024x683.jpg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/homebirth-with-our-3rd-chilld-768x512.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<p class=\"wp-block-paragraph\">This allowed us to submit the bill for the entire birth to Samaritan early on in that pregnancy. We received the shares while still in the late 2nd trimester or early 3rd trimester and were able to pay our midwife in full before the birth took place. We even received an additional $500 discount that she offered by paying the global fee in full by 37 weeks of pregnancy.<\/p>\n<p class=\"wp-block-paragraph\">In addition to the midwife\u2019s global fee, we had other smaller bills (ultrasound, blood work, and postpartum doctor visit for the baby) that we submitted as we received them.<\/p>\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">A few other helpful things that are shareable with a maternity need are:<\/p>\n<ul class=\"wp-block-list\">\n<li>any supplements taken during pregnancy that your OB or midwife recommends<\/li>\n<li>up to $500 for the cost of hiring a doula<\/li>\n<li>a birth kit needed to buy the items needed for a homebirth<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">2. Emergency Room Visit, Ambulance Transfer, and Hospital Stay<\/h3>\n<p class=\"wp-block-paragraph\">A few years back our one year old son had severe red rashes that started in his legs and quickly spread elsewhere over his body. We rushed him to the ER where he was diagnosed to have a serious infection. Because of the severity they rushed him to a top children\u2019s hospital in an ambulance.&nbsp;<\/p>\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-6 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"1200\" data-id=\"1809\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay.png\" alt=\"room number for childrens hospital stay\" class=\"wp-image-1809\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay.png 900w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay-600x800.png 600w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay-225x300.png 225w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay-768x1024.png 768w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay-585x780.png 585w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay-250x333.png 250w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay-550x733.png 550w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay-800x1067.png 800w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay-135x180.png 135w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/room-number-for-childrens-hospital-stay-375x500.png 375w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/figure>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"1200\" data-id=\"1808\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries.png\" alt=\"emergency room visit using samaratin ministries\" class=\"wp-image-1808\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries.png 900w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries-600x800.png 600w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries-225x300.png 225w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries-768x1024.png 768w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries-585x780.png 585w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries-250x333.png 250w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries-550x733.png 550w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries-800x1067.png 800w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries-135x180.png 135w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/emergency-room-visit-using-samaratin-ministries-375x500.png 375w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/figure>\n<\/figure>\n<p class=\"wp-block-paragraph\">We received 9 bills totaling over $23,000 for this need. The ambulance service alone was over $9,000. The ambulance bill needed to be paid immediately. However, they agreed to let us pay after we had received the necessary shares from Samaritan members.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">With the bill for the children\u2019s hospital and ER visit, we were able to set up a payment plan to pay $500 monthly installments. This allowed us time to submit all associated bills to Samaritan, receive the full amount in shares from other members, and pay back those bills over the course of the next 18 months.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">With this need, we never paid from our own savings for bills\u2014all was paid after shares were received.<\/p>\n<h3 class=\"wp-block-heading\">3. Finger Laceration<\/h3>\n<p class=\"wp-block-paragraph\">In March of 2024, Joelle sliced her finger on a glass jar while doing dishes. We went to urgent care where she received 4 stitches. Soon after we received a bill for $515. When we submitted the bill to Samaritan, $115 was approved as sharable since we were responsible to pay the initial $400 unshareable amount. The $115 was scheduled to be received in May, but we actually received it at the end of April. In this instance, we had already paid that bill in full since it was a small amount.<\/p>\n<h2 class=\"wp-block-heading\">Our Samaritan Ministries Review After 7 Years<\/h2>\n<p class=\"wp-block-paragraph\">If we were to sum up our experience with Samaritan it would be\u2014EXCELLENT! We\u2019ll break down the many benefits we\u2019ve experienced as Samaritan Members below.&nbsp;<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"801\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls.jpg\" alt=\"smiling homestead family in overalls\" class=\"wp-image-2670\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls.jpg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-600x401.jpg 600w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-300x200.jpg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-1024x684.jpg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-768x513.jpg 768w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-1170x781.jpg 1170w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-585x390.jpg 585w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-263x175.jpg 263w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-250x167.jpg 250w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-550x367.jpg 550w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-800x534.jpg 800w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-270x180.jpg 270w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-449x300.jpg 449w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/01\/smiling-homestead-family-in-overalls-749x500.jpg 749w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<p class=\"wp-block-paragraph\">But also, we\u2019ll share the differences we\u2019ve noted since joining Samaritan and leaving traditional health insurance. Our goal is to paint a realistic picture of what choosing health care sharing means for you. Being a Samaritan Member will likely require some extra learning and legwork on your part. But, we\u2019ve only grown to appreciate these \u201cpotential drawbacks\u201d over time and seen how they make us better stewards of our dollars and more informed participants in the medical system.<\/p>\n<p class=\"wp-block-paragraph\">Let\u2019s look at both the <strong>Benefits<\/strong> and the <strong>Differences<\/strong>.&nbsp;<\/p>\n<h2 class=\"wp-block-heading\">The Benefits<\/h2>\n<h4 class=\"wp-block-heading\">Affordable<\/h4>\n<p class=\"wp-block-paragraph\">Our family participates in the <a href=\"https:\/\/samaritanministries.org\/programs\/classic\" target=\"_blank\" rel=\"noreferrer noopener\">Classic program<\/a> and also opts into the Save-to-Share program. In total, we pay around $675 per month (~$650\/mo. for Classic and ~$25\/mo. for Save-To-Share). When we totaled up what we were paying with monthly premiums and out of pocket expenses with the 80%-20% split from Jim\u2019s previous health insurance plan, we were actually saving money most years by switching to Samaritan.&nbsp;<\/p>\n<h4 class=\"wp-block-heading\">Flexibility of Health Care Providers<\/h4>\n<p class=\"wp-block-paragraph\">This was a BIG plus for us. Where traditional health insurance limits your options of offices and practitioners to a select list, we appreciate having the freedom to choose practitioners that are the best fit for our family with Samaritan. For instance, with our maternity need, we knew we wanted to have a midwife and homebirth. While many traditional insurance companies may not cover this, Samaritan supported us in choosing this option for our birth.<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth.jpg\" alt=\"health share home birth\" class=\"wp-image-1807\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth.jpg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-600x400.jpg 600w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-300x200.jpg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-1024x683.jpg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-768x512.jpg 768w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-1170x780.jpg 1170w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-585x390.jpg 585w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-263x175.jpg 263w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-250x167.jpg 250w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-550x367.jpg 550w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-800x533.jpg 800w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-270x180.jpg 270w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-450x300.jpg 450w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/health-share-home-birth-750x500.jpg 750w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<h4 class=\"wp-block-heading\">Sharing Has Been Sufficient<\/h4>\n<p class=\"wp-block-paragraph\">We\u2019ve never had any issues with Samaritan fully sharing our medical needs that have arisen. In addition to sharing all standard physician bills, we\u2019ve appreciated how they also share the cost of supplements or medications that a practitioner recommends for your need. So, for my pregnancies, the prenatal vitamins or other supplements that my midwife recommended were included as part of my need!<\/p>\n<h4 class=\"wp-block-heading\">Join At Any Time<\/h4>\n<p class=\"wp-block-paragraph\">Since Samaritan is not insurance, there is no open enrollment period, which means you can join at any time throughout the year. The application process, for us, was quick and easy.<\/p>\n<h4 class=\"wp-block-heading\">You Take Ownership of your Bills<\/h4>\n<p class=\"wp-block-paragraph\">What we\u2019ve learned through reviewing our own medical bills has been unexpected and eye opening. There were a number of times a bill we received contained extra procedures added on that we never received, among other inaccuracies we\u2019ve found. These experiences have given us confidence to advocate for ourselves when it comes to medical bills. Through our review efforts, we\u2019ve been able to reduce medical bills by thousands of dollars over the years. It\u2019s empowered us to not just take billing for health care at face value, advocate for ourselves, and save money for ourselves and other Samaritan members.<\/p>\n<h4 class=\"wp-block-heading\">Self-Pay Discount<\/h4>\n<p class=\"wp-block-paragraph\">When you are a member of Samaritan Ministries, you are essentially a \u201ccash pay\u201d or \u201cself-pay\u201d patient. There are surprising benefits to being self-pay and not working with insurance companies\u2014typically around 25-30% off your bill. This has saved us many thousands of dollars on medical bills over the last seven years.<\/p>\n<h4 class=\"wp-block-heading\">Member-to-Member Sharing<\/h4>\n<p class=\"wp-block-paragraph\">Each month, when you receive your share, you send the money directly to another member of Samaritan for their specific need. And, when you have a need, you receive shares directly from other Samaritan members. No middle man and you have the opportunity to encourage and pray for another member who is going through something! We love this aspect of Samaritan. This member-to-member model is one of the big things made Samaritan really stand out. With other health care sharing companies we looked into, your money went to the company and was distributed anonymously from there.<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/writing-a-note-of-encouragement-to-a-samaritan-member.jpg\" alt=\"writing a note of encouragement to a samaritan member\" class=\"wp-image-82530\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/writing-a-note-of-encouragement-to-a-samaritan-member.jpg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/writing-a-note-of-encouragement-to-a-samaritan-member-300x169.jpg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/writing-a-note-of-encouragement-to-a-samaritan-member-1024x576.jpg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/writing-a-note-of-encouragement-to-a-samaritan-member-768x432.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<h4 class=\"wp-block-heading\">Easy To Budget<\/h4>\n<p class=\"wp-block-paragraph\">You are given an estimated amount that you are responsible to share each month with another Samaritan member. Yes, this amount will fluctuate. But we\u2019ve always found it predictable enough to easily plug into our monthly budget. We talk some more about paying for well visits and unshareable amounts below. But since you are responsible for paying for these yourself, we\u2019ve always found it easy enough to forecast the routine well visits our family will have in the upcoming year and add that to our annual budget.<\/p>\n<h4 class=\"wp-block-heading\">Awesome Customer Service<\/h4>\n<p class=\"wp-block-paragraph\">With our former health insurance company, I remember dreading any phone call I had to make with long hold times and often unhelpful or grumpy associates. This has never been the case with Samaritan. They have top-notch customer support. I\u2019ve always been able to speak with someone within a few minutes and am always greeted by friendly and helpful team members. They will also often ask if they can pray for you and your situation right there on the phone!<\/p>\n<h4 class=\"wp-block-heading\">In Alignment with Our Values<\/h4>\n<p class=\"wp-block-paragraph\">The more we learned about Samaritan the more we were compelled to make the switch simply because it better allowed us to live out our values. Now we know the specific people and situations our money is going to, instead of paying a faceless corporation. We know we\u2019re not overpaying since bills are personally reviewed by each Samaritan member. And we have peace of mind that we\u2019re only supporting medical practices that align with our Christian beliefs.&nbsp;<\/p>\n<h2 class=\"wp-block-heading\">What\u2019s Different?<\/h2>\n<h4 class=\"wp-block-heading\">You Pay Out of Pocket<\/h4>\n<p class=\"wp-block-paragraph\">Our infant son ended up spending several days in the hospital as a result of a virus he had when he was only days old. I was quite worried about how I would pay for the bills. Especially if I was required to pay them before receiving our shares from Samaritan members. However, my fears were quickly put to rest as the medical facility was very willing to work with me to set up a payment plan. This allowed me to pay the vast majority of the bills over time, once I had received all the shares to pay for our bills.&nbsp;<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share.jpg\" alt=\"hospital stay with infant using samaritan health share\" class=\"wp-image-1812\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share.jpg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-600x450.jpg 600w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-300x225.jpg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-1024x768.jpg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-768x576.jpg 768w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-500x375.jpg 500w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-1170x878.jpg 1170w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-585x439.jpg 585w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-250x188.jpg 250w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-550x413.jpg 550w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-800x600.jpg 800w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-240x180.jpg 240w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-400x300.jpg 400w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/09\/hospital-stay-with-infant-using-samaritan-health-share-667x500.jpg 667w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<p class=\"wp-block-paragraph\">That being said, there are times when you may be required to pay smaller bills out of pocket before you receive shares. But we\u2019ve always had billing departments work with us to pay bills later, or in smaller installments, to give us time to receive the full sharable amount from other Samaritan members.<\/p>\n<h4 class=\"wp-block-heading\">You Become Your Own Advocate (time involvement)<\/h4>\n<p class=\"wp-block-paragraph\">As I mentioned above in the \u201cBenefits\u201d section, our eyes have been opened to how medical billing works and how bills can often be inflated or inaccurate. Because of this, part of your role as a Samaritan member is to verify accuracy by examining bills, contacting providers, asking questions, and making sure it\u2019s all correct in the end. This takes time! It\u2019s not as hands off as billing through traditional health insurance can be. But we\u2019ve appreciated over time how the extra investigation has helped bring about accuracy and justice in a system that can have flaws and shortcomings.&nbsp;<\/p>\n<h4 class=\"wp-block-heading\">First $400 is Unsharable<\/h4>\n<p class=\"wp-block-paragraph\">This means that you are responsible to pay for routine well visits and other minor medical procedures when they fall below the $400 threshold. This can be quite different than traditional insurance where routine visits and smaller medical bills might be paid for, split, or put toward your deductible.&nbsp;<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids.jpeg\" alt=\"happy and healthy after having 4 kids\" class=\"wp-image-3819\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids.jpeg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-600x400.jpeg 600w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-300x200.jpeg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-1024x683.jpeg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-768x512.jpeg 768w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-1170x780.jpeg 1170w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-585x390.jpeg 585w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-263x175.jpeg 263w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-250x167.jpeg 250w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-550x367.jpeg 550w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-800x533.jpeg 800w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-270x180.jpeg 270w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-450x300.jpeg 450w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2023\/09\/happy-and-healthy-after-having-4-kids-750x500.jpeg 750w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<p class=\"wp-block-paragraph\">With Samaritan (Classic), qualified needs over $400, and up to $250,000, can be shared. But you are always responsible for that first $400 of any sharable need. While this can mean some additional out-of-pocket expense for you when needs arise, we\u2019ve really appreciated that any qualified need within that $400-$250,000 range is 100% sharable.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">What this means for our family is that we budget for our annual routine well visits, along with an extra $400-$800 per year for when emergencies pop up. And with 4 young children and living on a farm, something always pops up!<\/p>\n<p class=\"wp-block-paragraph\">Note that the share limits will be different in the <a href=\"https:\/\/samaritanministries.org\/programs\/basic\" target=\"_blank\" rel=\"noreferrer noopener\">Samaritan Basic<\/a> program.<\/p>\n<h2 class=\"wp-block-heading\">Samaritan Ministries Frequently Asked Questions<\/h2>\n<p class=\"wp-block-paragraph\">Over our 7 years with Samaritan Ministries, we\u2019ve noticed that certain questions come up again and again. Many are the same questions we had initially! We\u2019re happy to weigh in on a couple of those below.<\/p>\n<p class=\"wp-block-paragraph\">But don\u2019t forget, we\u2019re just normal people simply sharing what our experience with Samaritan has been. The Membership Development Specialists at Samaritan are going to be your best resource for information and guidance. We recommend you <a href=\"https:\/\/samaritanministries.org\/fromscratch\" target=\"_blank\" rel=\"noreferrer noopener\">reach out to them<\/a> before making decisions.<\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"803\" src=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead.jpg\" alt=\"from scratch farmstead\" class=\"wp-image-2423\" srcset=\"https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead.jpg 1200w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-600x402.jpg 600w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-300x201.jpg 300w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-1024x685.jpg 1024w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-768x514.jpg 768w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-1170x783.jpg 1170w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-585x391.jpg 585w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-263x175.jpg 263w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-250x167.jpg 250w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-550x368.jpg 550w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-800x535.jpg 800w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-269x180.jpg 269w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-448x300.jpg 448w, https:\/\/fromscratchfarmstead.com\/wp-content\/uploads\/2022\/12\/from-scratch-farmstead-747x500.jpg 747w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<h3 class=\"wp-block-heading\">What about Catastrophic Events?<\/h3>\n<p class=\"wp-block-paragraph\">For catastrophic events, or medical events that go beyond the maximum sharable limit, Samaritan offers a program called Save-To-Share. This is completely optional. But if you opt into it, money from the Save-To-Share program will go toward medical needs exceeding the $250,000 shareable limit.<\/p>\n<p class=\"wp-block-paragraph\">We chose to opt into Save-To-Share from the beginning of our time with Samaritan. Nothing catastrophic has happened thankfully, but it gives us peace of mind should anything that significant ever occur.<\/p>\n<p class=\"wp-block-paragraph\">Plus, it\u2019s affordable. Depending on <a href=\"https:\/\/samaritanministries.org\/programs\/cost\/\" target=\"_blank\" rel=\"noreferrer noopener\">your family size and situation<\/a>, it\u2019s only a couple hundred dollars a year to participate. We pay around $300 per year.<\/p>\n<h3 class=\"wp-block-heading\">What about Dental and Vision?<\/h3>\n<p class=\"wp-block-paragraph\">Like routine well visits, these things are our responsibility to pay for as Samaritan members. If dental or vision care was needed following an accident, then the associated dental or vision bills would likely be a sharable expense.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">For example, our daughter took a tumble down some steps when she was 2 and lost some teeth. Thankfully they were baby teeth, and we did not end up needing to see a doctor or dentist. But had she needed dental treatment or oral surgery associated with the injury, it likely would have been a sharable need.<\/p>\n<h3 class=\"wp-block-heading\">What about Pre-Existing Conditions?<\/h3>\n<p class=\"wp-block-paragraph\">This is one where it really is best to speak with their Membership Development team to discuss your specific situation. But to quote Samaritan\u2019s guidelines, \u201cNeeds that result from a condition that existed prior to membership (known or producing observable symptoms) are only shareable if the condition appears to be cured, and 12 months have passed without any symptoms (whether or not benign), treatment, or medication (even if the cause of the symptoms is unknown or misdiagnosed).\u201d<\/p>\n<h3 class=\"wp-block-heading\">Do Share Amounts Ever Increase?<\/h3>\n<p class=\"wp-block-paragraph\">We can only speak from experience, but our monthly estimated share amount has increased a couple times over our 7 years while participating in Samaritan Classic. The increases have been reasonable and with as much advance notice as possible. Our share amount was stable the first few years we were members. But it increased more recently in 2022 and beyond as inflation and rising health care costs set in.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">Don\u2019t see the question you want answered? Ask us! Or, check out the <a href=\"https:\/\/samaritanministries.org\/resources\/faq\" target=\"_blank\" rel=\"noreferrer noopener\">Samaritan Ministries Blog<\/a> where they have tons of helpful articles, or we highly recommend you give them a call and talk to their Membership Development team for the most personalized information.<\/p>\n<h2 class=\"wp-block-heading\">Grateful for the Health Care Sharing Model<\/h2>\n<p class=\"wp-block-paragraph\">All in all, we are so thankful we made the switch from traditional insurance to Samaritan when we did 7 years ago.<\/p>\n<p class=\"wp-block-paragraph\">It\u2019s made the transition to working for ourselves seamless and we\u2019ve only had positive experiences with the support and care we\u2019ve received. If you have any more questions, feel free to leave them in the comments below or reach out. Or, for more information or to become a member, check out their <a href=\"https:\/\/samaritanministries.org\/fromscratch\" target=\"_blank\" rel=\"noreferrer noopener\">website<\/a> or give them a call!<\/p>\n<div id=\"fd-form-636019b28d1a1ae7948da256\"><\/div>\n<p><script>\n  window.fd('form', {\n    formId: '636019b28d1a1ae7948da256',\n    containerEl: '#fd-form-636019b28d1a1ae7948da256'\n  });\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As homesteaders and entrepreneurs, we are often asked, \u201cWhat do you do for health insurance?\u201d Our honest answer is that we don\u2019t. Instead, we\u2019ve been members of Samaritan Ministries, a health care sharing ministry for over 7 years. Prior to beginning this journey of homesteading and working for ourselves, Jim had a job at a&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1019,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[533,476,560],"tags":[601,602,603],"class_list":["post-1018","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-living-on-a-budget","category-natural-living","category-our-healing-journey","tag-health-sharing","tag-review","tag-samaritan-ministries"],"_links":{"self":[{"href":"https:\/\/khetwise.com\/blog\/wp-json\/wp\/v2\/posts\/1018","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/khetwise.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/khetwise.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/khetwise.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/khetwise.com\/blog\/wp-json\/wp\/v2\/comments?post=1018"}],"version-history":[{"count":0,"href":"https:\/\/khetwise.com\/blog\/wp-json\/wp\/v2\/posts\/1018\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/khetwise.com\/blog\/wp-json\/wp\/v2\/media\/1019"}],"wp:attachment":[{"href":"https:\/\/khetwise.com\/blog\/wp-json\/wp\/v2\/media?parent=1018"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/khetwise.com\/blog\/wp-json\/wp\/v2\/categories?post=1018"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/khetwise.com\/blog\/wp-json\/wp\/v2\/tags?post=1018"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}