Healthcare Bill Exemption

[Dave020]

I don't disagree with you on this. I have had more than a couple of clients look into this as an alternative to buying an expensive HIPAA plan. In all cases they ended up with major medical coverage under HIPAA.

The feedback was pretty universal.....don't like the lifestyle requirements, don't qualify because of health condition, want to make sure proscribed medical expenses are covered.

 

[arnguy]

Good post jbage007. You noticed how Saint...oops, I mean Zaint glossed over "the plans do not guarantee payment." I assume the client needs to say a prayer to try to guarantee payment.

 

[zaint]

"A legitimate insurance company DOES guarantee payment - that's what the contract is all about."???

Look at the back of most INSURANCE cards and you will see in SMALL print that they in fact say "We do not Guarantee Payment"

And as far as facts? You have done nothing but quote old Law that has since changed in the favor of these programs, as far as Kentucky? I see that being over turned as well.

And I do not sell Alternative Health care, I just bring it to people to make a choice.

 

[Norwayguy]

"A legitimate insurance company DOES guarantee payment - that's what the contract is all about."???

Look at the back of most INSURANCE cards and you will see in SMALL print that they in fact say "We do not Guarantee Payment"

And as far as facts? You have done nothing but quote old Law that has since changed in the favor of these programs, as far as Kentucky? I see that being over turned as well.

And I do not sell Alternative Health care, I just bring it to people to make a choice.

Your promoting a website that is promoting these plans...If the site recieves compensation for the sale of these plans what do you call it?

 

[jbage007]

"
Look at the back of most INSURANCE cards and you will see in SMALL print that they in fact say "We do not Guarantee Payment"

you blithering ***.


the back of an insurance card is NOT an insurance contract - it's an ID card - that's all - just carrying a card does not prove, or guarantee, anything - the policy must actually be in force, the expense(s) incurred must actually be covered under the contract, etc.

but without question, an insurance contract GUARANTEES PAYMENT - it's called the Promise to Pay and it is a legally binding contract.

scheeeez this pointless discussion is getting old - but that's what happens when you try to have a conversation . . . with air

 

[djs]

So, I'll bite....
How much does this 'alternative' cost? In general, it has to be somewhere close to a health policy, if it covers the same things. Yes, I know, it might save 3% or so in profits health carriers make.

But then, do the alternatives carry reserves similar to that of normal insurance? Do they have to abide by the same rules? Is there a well documented list of what they cover and what they won't cover?

Or, do they just take healthy people and not worry about to much?

Dan

 

[zaint]

Hello Dan,

When we did our research on these Health Care concepts we primarily focused on the two ministries that have been around the longest. Samaritan ministries, and Christian Care ministries. Both have been around close to 20 years. We did investigations as far as using people to call in an we researched a lot of case law. Samaritan ministries has been around a bit longer with a good track record and very little complaints in it's almost 20 years. Christian care ministries has been around for 18 years and it to in its history has very little complaints. Matter of fact the better business bureau in the state of Florida and nationally rated the Christian care ministry concept Medi-Share with an A rating. Quite impressive for what some on this board have called scams.

Samaritan ministries are working on an older concept as far as how payment is received and paid out and they do not cover as much as the Meti share program shares "They call it sharing" or covers. The nice thing about Samaritan ministries is that it has worked out a way to accept folks with a lot of pre-existing conditions and still be able to protect them. Christian care ministries on the other hand is a bit more prejudiced in who they accept and as you said they are more prone to accept a healthy person instead of a person with any pre-existing conditions.

From what we have learned and can see by going to their web sites they base their price on age. They both have different terminology as well compared to traditional insurance. They do work similar to insurance but they do not guarantee payment whatsoever. They do make that very clear on the outset that they do not guarantee payment. They also do not carry reserves which makes it quite interesting when looking how things could happen in today's world. If they did carry reserves I'm sure they would be subject to much scrutiny. Medishare has paid out to its members over $400,000,000 in its 18 year existence not too shabby for a member base that's just under 50,000 people. Samaritan ministries on the other hand paid out similar amounts.

I guess if there were a catastrophe across all 50 states it would be impossible for its membership to pay every hospital and Dr.. But truth to be told? the insurance industry would have a similar problem even if they did have reserves and insurance to back them up.

You do need to be a person of faith from what we read and though we may not agree with that 100% it is still their prerogative and right to do so.

Bottom line? It's working, and it seems to be getting stronger and stronger as time goes on. The health bill exemption did not hurt and it has brought a lot of attention to these kinds of healthcare concepts. In our investigation of these programs we found a lot of transparency which is quite unique when you're talking about Health Care.

We have a lot of articles coming out soon that will be discussing why these programs are working and why they will continue to get larger. I for one have taken personal attacks on this board which tells me someone must be doing something right. To tell you the truth, I think the insurance industry as it is right now is starting to really pay attention, especially after they have spent millions and millions of dollars to discredit these concepts and have failed in the highest courts of the land. It's not about what I say it's not about what news on Health Care.com has to say. I think these concepts speak for themselves and I commend them for their Guts.

 

[jbage007]

Again, nothing but vague generalities in response to specific questions.

Typical tell-tale signs of a major SCAM.

How do we get this clown BANNED?? I'm sick of this schtick.

 

[djs]

Based on the way you describe this, why would I want it?
- Payouts are very, very low, averaging only $444 per person per year. This is indicative of a policy that does not approve many payments.
- Payments are not guaranteed. Why would I want that? Seems like this is how you get around being called insurance.
- They have no reserves to deal with even minor catastrophic events. I assume this means my 'share' is not locked, to allow them to use me as the reserves.


Call me dense, but I really don't get the value of this. I'm not a fan of the current health insurance / delivery system, but this seems to take a step backwards.

I love the idea of the exemption, but the exemption isn't caused by this plan, its allowed due to faith, absolutely nothing to do with a sharing ministry.

Dan

 

[zaint]

JBAGE007,

Do you sell Insurance? and if so, would you allow those that you sell to read how you treat others? My guess with the way you respond that you would not.
Out side of your postings I have been sent kind responses and people have been offended by yours and have asked me why I would allow you to be this way.

We are having a discussion only with difference of opinions, and that is good. But you have done nothing to back your claims or mouth except to Slander me.

You may not agree with what I am reporting on but that does not give you a free ride to Slander me. And if I remember you said that you were a Lawyer? Who is Scamming who?
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Dan give me some time and I will post all the pro's and cons to these concepts. I think you will be quite surprised.

FYI:Payouts are $250.000 per year for Samaritan ministries, and 1mil for Christian Care ministries per year, 5 mil life time. And both have paid it.