O.T. Anybody Have Experience With Any Health Sharing Orgs?

Slartybartfast wrote: ↑

Mon Jul 23, 2018 12:07 pm

I am in sort of a pickle. I'm 61, and after working for the same company for 30 years, was laid off twice in four years. My employer was acquired by another company which immediately re-prioritized projects. Mine was cut. And so was I. A year later, I was re-hired in another position within the company, but the damage done by the failure of the acquiror to comprehend the business they had bought into drove the company's stock price into the dirt.** Last Spring I was laid off again, along with all of my coworkers.

I'm currently on COBRA in$urance and need to find an alternative by September. Closing in on 62, I'm only a few years away from being able to qualify for Medicare, and since I'm generally healthy, I'm wondering about one of the several healthcare sharing organizations. Liberty, Medishare, CHI, Samaritan, etc. I'm onboard with their core values and would like to believe that they are a viable alternative to whatever else there is out there. But I can't find anyone who uses them.

I wonder whether anyone has any experience using any of the health sharing ministry organizations. I hear radio ads for several all the time, and I've reviewed their information, but I don't know anyone who actually uses them.


**But not before I sold it all just before the acquisition!

Slartybartfast wrote: ↑

Mon Jul 23, 2018 12:24 pm

I appreciate that, but I needed to cover my wife who has had five surgeries since the beginning of the year. We'd already paid our out of picket maximum when I became eligible for COBRA, so until she goes on Medicare for Disability, COBRA represents a better deal than if I went elsewhere and had to start a new out of pocket. We've run the numbers and the advantage is to stay with COBRA until she goes on Medicare.

chunkyfrog wrote: ↑

Mon Jul 23, 2018 2:12 pm

Cobra will only drain your resources.
Some seek marginal employment in order to get subsidized insurance.
A few places offer health coverage--Starbucks comes to mind.

Slartybartfast wrote: ↑

Tue Jul 24, 2018 12:14 pm

No argument here. COBRA sucks. As part of my severance package, company paid COBRA premiums until July. At at this point, it's paying 100% of my wife's medical costs, and next month she has a total knee replacement. As soon as that's done, she'll go on Medicare and I'll transfer to some other insurance. My question is WHAT insurance?

For 35 years I've always worked for big pharmaceutical corporations and have had excellent medical insurance at low cost to me. Now I'm facing a gap of a few years and need something else. I was hoping someone might have experience with one of the health sharing organizations like Liberty, Medishare, CHM, etc.