I have to say I’m very frustrated with health insurance today.  It’s nothing new, pre-existing conditions, raising premiums, etc.  I’m certainly no fan of the reform this current administration is offering.  It’s freedom crunching and somewhat socialist.  Downright scary, if you ask me.

I received an “offer” from a health insurance company today.  I applied a couple of weeks ago through my financial advisor for a new health insurance policy because the premiums were going up on my existing plan.  I remember sitting there with him and saying, “okay, so, basically, they raise the premium every year on all of their clients and don’t offer them the opportunity to change their coverage.  It’s ‘take it or leave it?’”  ”Yep.” He said.  So, I said, “so, you have to apply with another company, fill out all the paperwork, give the blood, wait for them to pour over your records and then take whatever the new company offers?”  ”Yep.” He said again.  So I said, “Well, what if they just didn’t raise the premiums every year and saved all the man hours it takes (for the insurance co. and for me) to go through this process annually.  Would they maintain their profit margins just by saving trees and labor?”  ”Yep.  Probably.”  He said.  ”If you just sign here, I can get the ball rolling.”

So, I get the call today that my health and the health of one of my sons have “exclusion riders” written into the policy.  So, there are conditions in our health that the new policy won’t cover (it doesn’t really cover much now anyway.)  I could go on and on, but I’m sure my story is not the most heart breaking one ever told.  To me, it’s been very annoying.

I got fed up and I called an organization that I had looked into several years ago, but, regrettably, never participated.  It’s called Samaritan Ministries.  It’s really great and I think my wife and I are going to take a leap of faith and get involved.  What they do is organize Christians so that they can help support needs of the body directly.  You have a monthly committment and each month the organization sends you a notice of a need somewhere in the body and you’re to send your monthly committment directly to that person or family, along with prayers.  Then, if you have a need, you apply for it to be met and they do the same for you.  It’s refreshing to see this non-profit working to help Christians support each other.  I highly recommend you look into it.