I could hardly believe my eyes.
So a few days ago we got our monthly "share" letter from the healthcare-sharing ministry group we have belonged to since 2010, Samaritan Ministries.
The letter told us how much money to send to a woman in Oklahoma who is fighting cancer, and to also pray for her.
Then below that, it had this nugget:
"There was more available share money than needs again this month, so we have reduced the assigned share amount by 5.00 percent. (...) Praise God for His provision!"
So, sure enough, our normal family share of US$405 was reduced by $20.25 (5%). So, that means we have $20 more this month to save, spend, or give away.
Also this week, I have gotten two bills from the government for this year's car tax. Funny, those did not say:
"We received more than enough money last month, so we are reducing your car tax by 5%."
As we have gone to local stores and restaurants lately, I never saw, "We received more than enough money last month, so we are lowering all our prices 5%."
Overall, our experience with Samaritan Ministries has been great. Once Deborah even had some healthcare done in Taiwan, so when we came back to the US, we just turned in all her Taiwan doctor bills (in Chinese), which they let us translate and calculate the Taiwan Dollar =US Dollar rate, and other members sent us the entire amount.
Our family is blessed with great health, and we thank God for it. Still, we had some "this and that" medical expenses over the past eight months, US$3.651.85 to be exact. A few days ago I sat down and calculated all the bills since last October, sent the paperwork into Samaritan's Ministries, and have been told this is how much we can expect to get back by July: US$3,651.85. Yes, that's 100%!
Hear others' stories here.
1. In April I had a follow-up visit with a doctor; the fee was US$140. Earlier this month, I got a letter from a Baptist Church in Southwest Virginia that more than paid for that visit. Simply put, an eye procedure that cost me north of US$5,000 has been PAID IN FULL by other members of Samaritan Ministries. Case Closed.
2. Last fall and winter a member of my family needed some physical therapy, and the price from the doctor, ultrasound, therapy, and massage (GREAT service from Crystal's Healing Hands in Roanoke, Virginia) came in over US$1,700. So, what a pleasure to go to the mailbox the past few days and find checks from good people like:
"Praise be to the Lord, for He showed me the wonders of his love." --Psalm 31:21, from the Bible.
My family continues to belong to Samaritan's Ministries; now that it's 2018, this means we have been members for over seven full years! And both our December 2017 newsletter, and January 2018 newsletter, which we opened today, contained this nugget right at the top:
There are (fewer) Needs for this month than Shares available, so the assigned Share amounts have been reduced by 5 percent. Praise God for His provision! Shares have been reduced in 8 out of the past 17 months since members voted to increase the Shares."
What this means is, in layman's terms, the organization Samaritan's Ministries took in more revenue, from its normal monthly membership contributions, than it had to pay out in medical bills. So, instead of parking that extra money in a savings account somewhere or counting it as profit, they instead turned around and let the members keep more of their money, by charging them 5% less than usual! So, our January Share Newsletter has this line:
"Reduced by 5 percent: - $24.75"
Simply put, that's an extra $24.75 we can keep for ourselves, either to spend, save, or give away. It's up to us! I don't know about you, but that helps keep the "HAPPY" in HAPPY NEW YEAR! Could YOU use an extra $25.75 this month? This is just one more reason why we are so THANKFUL to be members of Samaritan's Ministries for our healthcare needs!
(Note: as a member of Samaritan Ministries, when I encourage a friend to enroll, the group gives my family a discount on an upcoming share to pay. So, if you enroll, Deborah and I would be GRATEFUL for you to list us as your references. Likewise, when you enroll and encourage friends to join, you too can enjoy such a discount. Lastly, the more families that join these groups, they more stable they will all be, from a business and economic point of view, helping us all.)
A licensed teacher in the US state of Virginia since 1987, Scott Dreyer has been helping Chinese speakers improve their English since 1989. Dreyer lived in Taiwan from 1989-1999 where he learned Mandarin, met his wife, started his family, and realized he loved working with Chinese students. He became an award-winning author and started teaching ESL online in 2008. Dreyer and his wife and their four adult children make their home in the beautiful Roanoke Valley in the Blue Ridge Mountains of Virginia.dreyercoaching.com/en/about/scott-dreyer