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<blockquote data-quote="farmerjan" data-source="post: 1448729" data-attributes="member: 25884"><p>For anyone that is of christian beliefs, try Liberty Health Share. They DO NOT require a church membership as Medishare does, and the rates I have been quoted are pretty decent. One of the farmers I milk test for has switched to them when his ins went up from like 600 mo to over 1500 month. He says they have been pretty good. I was in line to lose my full time status so was going to switch to them, but now I have gotten more farms since a tester quit so will limp along. Bad thing is it won't cover any of my prolotherapy treatments, but Liberty will after a year of no treatment. Plus we went from a 1500 deductible 4 years ago to a $6000 deductible now so I will never qualify unless I have a catastrophic disaster....don't take any medication and am also trying to watch what I eat and all. </p><p> My Liberty quote was $275. mo; should have been $180. but I am overweight for my height. Still cheaper than what my company pays but as long as they are still carrying me, I am staying on it. Went from BCBS to Aetna though. And yes many doctors will give a better rate if you tell them up front that you will be paying cash and they don't have to deal with insurance claims. </p><p>My dentist gives a 10% discount on any prepaid stuff and then will still file ins after that and then refunds the money back to me that ins pays them. It doesn't earn enough for me to have a problem with prepaying then waiting to get the refund. Got over $500 recently when the ins reimbursed for a crown that I had prepaid. So the 1100 crown less 110 cash payment was 990 then 500+ back made it 490 or so. My dental ins costs me about 22 a month and covers 2 cleaning/checkups a year and x-rays every so often...can't remember exactly. What I pay in dental ins covers the costs of 2 cleanings a year so it is a wash, but the other is a real bonus.</p></blockquote><p></p>
[QUOTE="farmerjan, post: 1448729, member: 25884"] For anyone that is of christian beliefs, try Liberty Health Share. They DO NOT require a church membership as Medishare does, and the rates I have been quoted are pretty decent. One of the farmers I milk test for has switched to them when his ins went up from like 600 mo to over 1500 month. He says they have been pretty good. I was in line to lose my full time status so was going to switch to them, but now I have gotten more farms since a tester quit so will limp along. Bad thing is it won't cover any of my prolotherapy treatments, but Liberty will after a year of no treatment. Plus we went from a 1500 deductible 4 years ago to a $6000 deductible now so I will never qualify unless I have a catastrophic disaster....don't take any medication and am also trying to watch what I eat and all. My Liberty quote was $275. mo; should have been $180. but I am overweight for my height. Still cheaper than what my company pays but as long as they are still carrying me, I am staying on it. Went from BCBS to Aetna though. And yes many doctors will give a better rate if you tell them up front that you will be paying cash and they don't have to deal with insurance claims. My dentist gives a 10% discount on any prepaid stuff and then will still file ins after that and then refunds the money back to me that ins pays them. It doesn't earn enough for me to have a problem with prepaying then waiting to get the refund. Got over $500 recently when the ins reimbursed for a crown that I had prepaid. So the 1100 crown less 110 cash payment was 990 then 500+ back made it 490 or so. My dental ins costs me about 22 a month and covers 2 cleaning/checkups a year and x-rays every so often...can't remember exactly. What I pay in dental ins covers the costs of 2 cleanings a year so it is a wash, but the other is a real bonus. [/QUOTE]
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