How to Slash Your Health Insurance Bill

Tis the season to be jolly, and, for many of us, to renew our health care plans.   Some of you may have awesome health care, and thumbs up if you do!  Many more folks, however, pay at least an arm and a leg (sometimes two arms and two legs) for health care coverage.

This past year, we switched a new model of health care coverage that has been AWESOME for us.   We pay a flat monthly premium (that’s significantly LOWER than what we were paying before!), and we can choose any provider we like.   We are expecting (YAY!!!!) and they are going to cover all of my prenatal, delivery, and postnatal costs.  ALL of them.  And since I can get an estimate from the birthing center I plan to use, they’re even going to pay for it ahead of time.   Some friends of ours had a baby with this model, and they had all of their costs covered as well.

While we’re on the subject of insurance, Aviva Life Insurance, the largest insurer in Britain, wants to help cover your family in a time of need.  Their life insurance polices start at just £5 per month.  While I don’t like paying insurance premiums, I consider life insurance to be absolutely essential, particularly because we have children.  In fact, we probably need to increase ours now that baby #3 is on the way!  

These health-care sharing plans work best if you’re generally healthy.  They do have some exclusions for pre-existing conditions.  They also give discounts (or require for membership) that you not be a smoker.

Meets Obama’s Health Care Requirements

In my opinion, the bonuses of the health care sharing plans keep getting better, because not only do they cost less AND provide better coverage than most main-stream plans, but they also meet governmental requirements for health care coverage.   Read more about that here:  Read more here on pages 107 and 128.

The two companies that I am most familiar with are Medi-Share and Samaritan’s Ministries.   We personally chose to go with Samaritan’s, because it was the best fit for our family.  Our friends seem to be fairly evenly divided between the two, so check them out and see if one will work well for you!

(If you’re interested, Medi-Share is offering a $100 gift card to Walmart, Amazon, Target, or Paypal for new members.   Samaritan’s offers a referral bonus, so if you go with them, I’d love it if you’d share my name!   (Sarah Falk)  Thanks!!)

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