While things are moving slow, I thought I would update you on our "no insurance" plan. So far, it is working really well. We have officially been without insurance for 2 1/2 months, so not that long. At the end of January, I marched the entire family into the new
direct pay doctor's office to get us all established. The money spent was less than the difference between
Samaritan Ministries and former monthly insurance premiums.
It has been almost a year since any of us had been to the doctor with the exception of the baby. As luck would have it, MrLivingOurWay needed to go to the doctor the next week for the first time in years. We could have treated it at home but we were unfamiliar with some of the symptoms and decided just to be on the safe side, it would be good to get checked out by the doctor. Based on the fever, he decided to go ahead and start on his herbal concoction that he uses for sinus infections.
The doctor was great about explaining why she ruled out several possibilities and then decided it must be an infection of some sort. When MrLivingOurWay informed her that he was taking his herbal concoction, she told him that the herbs would probably work but if he didn't see improvement in three days he should call her back. Within three days, he was fine and did not need to call her back. So far it seems that we have a doctor we can actually get a long with.
Since that time, the baby has already been to the pediatrician which we were paying out of pocket for even on insurance.
My
Groupon deal was sort of a wash. I would have saved quite a bit of money on a dental cleaning and x-rays. However, it quickly became obvious that this particular office needed cash patients to make up for the high level of medicaid patients they already had. It is a known fact that medicaid pays doctor and dentists much less than other insurance companies and cash patients. I came to this conclusion because the waiting room was very full and there were some discussions regarding their high numbers of medicaid patients to be heard in the hallway. The dental hygenist (a man) was also extremely rude and intimidating. They decided that I needed $3,000 worth of dental work done. We knew that since I'd just had a baby within the past 6 months that it was infact possible for my teeth to have taken a turn for the worse but we wanted to make sure and I didn't plan to ever go back to that office for anything after the way I was treated.
We took the list of problems to a dentist that MrLivingOurWay had seen earlier in the year. The new dentist did not think anything needed to be done in my mouth with the exception of having my wisdom teeth removed. We had that done in December and everything seems to be fine. So, we ended up having to pay for two dental appointments but the x-rays at teh first place were much cheaper. The second opinion sort of saved us $3,000.
We haven't needed to share any needs with Samaritan Ministries yet but I love reading their newsletters and writing our check each month. I also have not needed to get blood work done again yet. Our new doctor, has blood work that is cheaper at her office than the prepaid labs.
I also love reading the
newsletters from
Christian Healthcare Ministries. Being another Christian Medical Cost Sharing Organization, they have many applicable tips for saving on healthcare costs.