Frugal Friday!
My Frugal Friday~ A Health Insurance Alternative: Samaritan Ministries.
We could have paid $550 a month for family insurance through my husband’s work. Instead we decided to try a program called Samaritan Ministries. It costs $295 a month for an entire family (3 or more). As a member of Samaritans Ministries, any visit over $300, will be reimbursed to us with a $300 deductible. They also have this great unwritten policy that if you get them a few discounts, they will wave your $300 deductible. (Little did they know that I find it a personal challenge to get so many discounts that our deductible is free.) Because when you are in a doctors office and you say the words ” Can I get a CASH DISCOUNT?” They almost do a happy dance because they don’t have to file a claim and they generally offer you serious price cuts of up to 70% off.
Any visit under $300, we pay cash. Doctors visits run us $44 a sick visit and $108 a well visit. We can get our shots at the doctor for $12 each or go to our local rec center and get them for $3 each. (Also check with your local library.) If the boys need three shots, going to the rec center would save us $25. I have done both and I have found that the rec center nurses have serious “shot giving” skills. Landon didn’t even cry one time, the nurse was that good at administering shots.
We have also learned that if the boys injure themselves (and it is not life threatening) to take them directly to a pediatric specialist. This skips the ER visit and can save thousands of dollars. Samaritans Ministries also gives us a $100 referral credit for anyone we refer to them. (If you are interested in learning more about the program email me and I can get them to send you more information.) Samaritans Ministries has been a huge blessing for us and we love them!
Share your Frugal Friday tip or savings stories! Don’t forget the Mr Linky rules!
You did great last week!
Hey Lori - that’s great! Can you send us some info. from these guys?
CU Soon,
Nikki
Good for you for sharing this tip. Where I live, many doctors are opting out of insurance all together. It can be very expensive to find good medical care.
I don’t have a blog yet…working on it. Frugal Friday tip - Yahoo groups to “freecycle” items. I joined a couple of yahoo groups in my local area where people can post if they are looking for items or giving away items. Over the last few months I received a flat screen monitor for the kids computer, a snow suit for my daughter, a ski bib for myself…all free!!!! You join the group and post your needs or your items to give a away. It’s a great find!
BSL, would you mind sending us the info on this? we are with another agency and i would love to see if there is a diff. thanks so much!
Could you please send me some information about Samaritan Ministries?
My first listing on Frugal Fridays!
Will you send me some info? We are always loking for ways to save on medical expenses!
[…] the first of the month and it’s time for FRUGAL FRIDAY! If you expressed interest in Samaritan Ministries in a previous comment, please email me your address so I can get them to send you a brochure with […]