My BFF works for a small business; his health insurance is provided for him and his family at no cost to him, but they only pay claims for hospital admissions. :eek: NOTHING done outpatient is covered AT ALL. (I didn’t realize that was allowed under the ACA, but apparently it is.) He’s Catholic, and I gave him some information about this; IDK if he’s looked into it. He’s married and has 3 kids, two of them in college, and this can get expensive.
(How expensive? All of my breast cancer treatment, from the mammogram to the two lumpectomies, radiation, hormone therapy, etc., were done as an outpatient, and last time I checked, my insurance had paid about $56,000 for all of this treatment - and this after the insurance negotiations. Were this to happen to one of them, they’d be on the hook for all of it. :mad: )
Here’s how it works: You pay the bill, and then submit the bill to this share organization and get reimbursed. There are some things they won’t pay for, and because they are not officially insurance, they can decide to cover or not cover whatever they want. The most common things not covered are substance abuse treatment and elective abortions, although IMNSHO even if a woman having one of those is insured, she probably won’t put it on her insurance anyway. They also have caps, often as low as $100,000 but still, it would be better than nothing.
If you wish, you can also submit prayer requests. AFAIK, you do not have to pass any kind of religious test or prove church affiliation if you sign up.