What are the Risks of Cost-Sharing Ministries?

The Doctors are joined by Keith, who feels he was scammed by a cost-sharing ministry, as well as Washington state insurance commissioner Mike Kreidler and consumer protection attorney Peter Holland. They discuss how Keith needed to file for bankruptcy after his cost-sharing ministry refused to pay the bill for his necessary back surgery, leaving him with hundreds of thousands of dollars in debt. Does Keith have any legal recourse? Peter Holland shares there are laws that could work in Keith’s favor that could help him claim fraud against the cost-sharing ministry that agreed to pay for his back surgery and after the procedure, denied they would.

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The Doctors is an Emmy award-winning daytime talk show hosted by ER physician Dr. Travis Stork and co-hosted by plastic surgeon Dr. Andrew Ordon, along with dermatologist Dr. Sonia Batra, OB-GYN Dr. Nita Landry, and neuropsychologist Dr. Judy Ho.

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[MrTmenzo]

What's also fraud is a high deductible health plan with a high monthly payment that's basically throwing money in the trash since it doesn't count towards the deductible.

[jdodd]

All of the health sharing groups are not bad. None are perfect. Let’s focus on the massive cost problem of traditional insurance. That’s a massive problem.

[sdoggie]

This is irresponsible to post this partial clip. My family of six has been well-served with the ministry we are a part of. I was scammed legally by insurance for years and ObamaCare single handedly put my business out of business with a direct excise tax to help pay for everyone else, while at the same time causing my premiums as self-employed to skyrocket 3X in 3 years. I was in a situation where I was paying tens of thousands for other people's health care while I literally had no coverage for my family due to cost. And we are healthy and don't even use insurance for the most part. You keep repeating these are scams or many bottom feeders... but you should have done the due diligence to recommend proven orgs that take care of their people other than to malign the whole industry. I have no faith in mainline media...y'all are bought and paid for by the big boys!

[JH-hxcl]

You mean the Drs want people to pay for conventional insurance so they can inflate their prices and charge the insurance company. Thats like a thief giving a review on a security system and saying "this is total crap".

[TractorTimewithTim]

We didn't see Keith's actual complaint. We just saw reaction to it. What happened? Assuming he had coverage denied, what was the explanation? What was the company Keith was working with?

[gracechristianschoolcypres]

I have been using using one of the top cost sharing ministries for the last 5 years and they have been awesome. It's funny how they are talking to an insurance commissioner. That's like talking to the fox who's guarding the hen house. I have a number of friends who have the major insurance companies, and HMOs, who have been denied services or procedures. I think there is good and bad in both cost sharing programs as well as traditional insurance. If traditional insurance was so upstanding, and perfect, there would be no need for such regulation.

[ricecakeFTW]

Well, major health insurance companies do the SAME thing. All they say is, "this isn't covered."

[northwestgardener]

I READ ALL THE INFORMATION on the health ministry's I am looking at and it is quite clear what they will help with and what they don't. It is to bad he didn't look into the fine print it is realy important to read.

[VinceOlson]

Maybe traditional health insurance shouldn't cost so much. Y'all out here scamming people

[tappersuzie]

This is a very deceptive video. I'm with Samaritan - they post the dollar amount of claims paid each month. For July 2023 there are Member households: 80, 530
Bills: $33, 623, 689
Shares: $31, 768, 702
So there was a shortfall in July, and that is being addressed in premium increases. It is still a great deal for people who do not engage in behavior that leads to lifestyle diseases and medical procedures not OK with most faith communities. The insurance industrial complex does not want people ethically getting together and taking care of each other. Yes, there may be some scammers, so do your homework. There are scammers everywhere.

[Wolfman]

What is the name of the company you are talking about ???

[bigqueue]

I find it interesting that the company was never mentioned. How iron clad does this person complaining feel his case is if he can't even name the company that has wronged him? I suspect his claim is a bit dubious, and that naming them could then subject him to a defamation lawsuit for a false claim. The lack of detail on the situation is also amazing.

[DenisShch]

A dude from insurance commission is of course very reliable on this topic 😂

[ABetterWayToHealthcare]

So much ignorance around that discussion. Anything that is one-sided has credibility issues.

[mtebor]

I am thrilled to be leaving traditional healthcare as my bill is now hitting 2K per month. My new bill with health sharing and a direct primary care doctor subscription will drop to about $800. It would have been cheaper if I went with a higher initial cost (deductible). Do your homework

[Hitman]

It states what there are learn to read.

[robertoconnor]

A fool and his money are often defrauded. Attorney Generals are dropping the ball regardless off the perception of "statutory allowances" nonsense.

[deblmb]

#1. Sharing ministries are NOT insurance companies. #2. No doctor is out of network, because there is NO NETWORK. #3. The ministries are under no obligation to pay any portion(s) of your medical bills. If you decide to 'donate' money to one of these ministries (The monthly 'donations' are not insurance premiums, because as pointed out in #1, sharing ministries are NOT insurance companies), may the odds be ever in your favor that your bills get paid, although they probably aren't and probably won't. They'll be sure to pray for you though!

[dailydoseofmedicinee]

If you want to start your journey to having a better body to feel great, here are some tips:👍

Exercise Daily. Exercise daily for at least an hour.

Eat the Right Foods and Portion Each Meal.

Keep Track of Calories and Food Intake Per Day.

Be Sure to Get Sleep.

Stay Motivated.

[jjk]

If you have a large legitmate cost share ministry they are great. It is simply what insurance is supposed to be... everyone pools their money.... those who need it reach in grab what they need.... Sadly everyone forgets what insurance is supposed to before all the HMOs medical institutions got their hands in the pot... wake up and use common sense people.