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We moved to Samaritan Ministries and have been really happy with it. Our “premium” is $500/mo and our total out of pocket costs have just been checkups and misc small prescriptions. Our two major medical incidents have been 100% covered by members and we got some nice cards in the mail, too. I estimate we have saved about $20,000 without increasing risk (possibly reducing it since the uncertainty of the claims process is gone.)

It’s been nice to see that a well designed system can help people take care of people so humanely.