A few weeks ago I wrote about our health insurance dilemma. We were paying more than I was comfortable with for our insurance, and we were exploring health insurance alternatives like Samaritan Ministries International. A lot of factors came into play, but we finally made a decision. Here’s how things went down.
We haven’t had the time to fully research Samaritan Ministries International. We needed to make a decision by the beginning of May, and shortly after I wrote my post on Samaritan Ministries International, my mother-in-law passed away. Needless to say, research was put on hold.
In the meanwhile, the company that employs my husband was also looking into alternatives. In the end, they found a plan that costs us a little less than we’ve been paying every month. Our co-pays are more, but with as little as we see the doctor, we save money with the lower premiums. I’m not ruling out a change in the future, but for now, this new insurance plan will work for us. I’d rather pay a high premium for another year than rush into a decision that’s not right for us.
And we’re already putting our new insurance to the test. Yesterday our new insurance cards came in the mail. Then last night, my son smacked his lip on the edge of the countertop in the bathroom, and we were off to the emergency room for his first stitches. While I’m not thrilled about the $250 emergency room copay, I’m glad we had insurance to cover the ER visit. Hopefully that will be our last emergency room experience for a long time!
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I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.
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