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Thread: Health Care Sharing

  1. #11
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    Quote Originally Posted by Jessica80 View Post
    How is it the best option? They are basically saying that if they have a lot of expensive claims they may not have to pay yours. Might as well go to a casino at this point.

    62000? How is that going to bring the best discounts?

    You do realize how you describe this plan is exactly the way traditional insurance works? Costs spread out amongst all customers? Except that private insurers have to make sure they PAY for your services that are covered not say....HEY we might run out of money.
    Where are you reading anywhere that they have said that they will not pay? They have a 20 year record of paying the claims. If all of the sudden they stopped paying people would stop going through them and they would go out of business. The cost is far less than traditional insurance, and for the people who can not afford insurance and do not qualify for subsidiaries it is better than having nothing at all.

    ~Bonita~

  2. #12
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    Each of the ministries is very upfront that there are no guarantees of payment for medical bills, but Meggs said those concerns are exaggerated, and that in 21 years Medi-Share has only had a handful of complaints related to coverage.
    Mom to Elizabeth (6) and Corinne (4)

  3. #13
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    Yeah, this sounds weird to me. Like...instead of paying into a health insurance company that has to cover my bills, I pay into one that MIGHT cover them. It's the exact same principle of regular health insurance but without any legal guarantee. That's great if it works out, but it's also great if you don't ever get health coverage and you don't get sick, too. It's a gamble.
    Laurie, mom to:
    Nathaniel ( 10 ) and Juliet ( 7 )




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  4. #14
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    Quote Originally Posted by freddieflounder101 View Post
    Yeah, this sounds weird to me. Like...instead of paying into a health insurance company that has to cover my bills, I pay into one that MIGHT cover them. It's the exact same principle of regular health insurance but without any legal guarantee. That's great if it works out, but it's also great if you don't ever get health coverage and you don't get sick, too. It's a gamble.
    This difference is that one is an obtainable $300 a month compared to an unobtainable $1,000 a month for some people. It also lets you have the doctors and hospitals that you want/need. Is it perfect? No. Is Obamacare? No. For some people in some situation it is a far better option.

    ~Bonita~

  5. #15
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    Well, I hope for their sake that their cheaper option will decide to cover them should they ever have a long ICU stay (7days+) because that room and board charge alone is scary expensive.

    I just think it's a huge gamble to even pay 300.00/month to have someone possibly turn around and say...sorry we won't pay this, we ran out of money.
    freddieflounder101 likes this.
    Mom to Elizabeth (6) and Corinne (4)

  6. #16
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    Quote Originally Posted by AlyssaEimers View Post
    This difference is that one is an obtainable $300 a month compared to an unobtainable $1,000 a month for some people. It also lets you have the doctors and hospitals that you want/need. Is it perfect? No. Is Obamacare? No. For some people in some situation it is a far better option.
    It's only a good option if you don't end up getting very sick and then suddenly there's no money to pay for your medical needs. If it works, great, but you're really counting on good luck.
    Jessica80 likes this.
    Laurie, mom to:
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  7. #17
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    Quote Originally Posted by Jessica80 View Post
    Well, I hope for their sake that their cheaper option will decide to cover them should they ever have a long ICU stay (7days+) because that room and board charge alone is scary expensive.

    I just think it's a huge gamble to even pay 300.00/month to have someone possibly turn around and say...sorry we won't pay this, we ran out of money.
    Have you ever heard of someone who was involved in a program like this where they did not pay?

    ~Bonita~

  8. #18
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    I've never heard of a program like this thank goodness! We have to have actual insurance in Mass. From a company that will pay the claims they have contracted to pay. Like...an inpatient stay that costs 500,000 x2 because of sick triplets.
    Mom to Elizabeth (6) and Corinne (4)

  9. #19
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    Quote Originally Posted by Jessica80 View Post
    I've never heard of a program like this thank goodness! We have to have actual insurance in Mass. From a company that will pay the claims they have contracted to pay. Like...an inpatient stay that costs 500,000 x2 because of sick triplets.
    These companies have been around for a long time with great success.

    ~Bonita~

  10. #20
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    New health insurance marketplaces signing up few uninsured Americans, two surveys find - The Washington Post

    The truth of the matter is that people who would risk going with out insurance do so because they feel that for whatever reason they just can not afford it. Obamacare does not fix that unless you are in the lowest income brackets. This is something that is there for just those emergencies mentioned above. They do pay for hospital stays. That is what they primarily do. For the people who just are not going to have insurance, I would rather them have this than than nothing.

    ~Bonita~

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