Can’t afford or choose not to pay the high monthly fees for traditional individual health insurance? Amy Jeter, the health business reporter for the Virginian Pilot has an article in Saturday’s edition that highlights a small but growing trend to dealing with the high cost of private health insurance policies.
According to the article: “In the past few years, the number of uninsured people with higher incomes increased significantly, according to the non-profit Kaiser Family Foundation.”
Ms. Jeter tells the story of two different couples and their two approaches to health insurance coverage – without for profit health insurance companies.
The Shunkwilers , joined Samaritan Ministries International (SMI). Members pay $175 annual fee and a monthly payment of between $135 (singles) to $320 (families with children). Monthly checks go directly to other members who have a medical bill to pay. SMI tells them who to send their check to each month. In effect, the “payer” or traditional profit-based corporate entity is cut out, along with all the administrative and management costs. The article quotes Mr. Shunkweler saying “it’s so much fun to write that check every month”.
In a totally different approach, Ms. Jeter shares the story Ann Williams who gave up her employer-sponsored health plan when she moved back home to Virginia Beach to care for a family member. Rather than pay for a costly individual health plan, and after much research, she and her partner:
“found Dr. Christopher Dowd and his Corenerstone Private Practice in Suffolk”, VA. An osteopathic physician, his practice focuses more on holistic medicine and preventive care.
“ He makes himself available to patients around the clock through a payment model known as concierge medicine or direct care” (recommend reading the article for more details)
I am not endorsing either of these approaches to meet health care needs.
I do find it so refreshing that in the U.S. of A., individuals can develop and manage a health delivery model that meets a need, and with today’s technology those who are looking for alternatives can find these providers and be happy with the services they provide.







