I have a slightly complicated position, I generally speaking do not believe in using insurance and I think that heading that way as churches is a bad idea.barkhausen102 wrote: ↑Sun Oct 05, 2025 2:50 pmFor those that do not use medicaid, what do they do if they have a large family? Do they buy health insurance on the open market or just hope nobody in the family has to go to the hospital? Probably majority of the times the children will not require much health care, but if somebody in the family has to be hospitalized and there is no health insurance it could be a big problem and a large bill.
I had an ER visit which they tried to charge me 28k for and it got reduced “generously” down to like 13k or so. Eventually it was 4k.
I could have used some convoluted program to reduce the cost to somewhere like 3-4K but that only worked if you filed the same month and… they processed it the same month. I know that from personal experience.
These hospitals generally have charity programs of some kind and they really put you in a tough spot with how they work down here. They covered the 4k eventually but it took a lot of work and constant phone calls/stress before it finally was confirmed 5 months later. Conveniently it would cover all medical costs for 6 months and I was able to have it cover surgery as well.
I had to borrow money from someone in the church to pay for it after having to awkwardly ask the church for help (which they declined, not a member) was the loaner’s request before he would.
This was repaid after the charity eventually came through.
The hospital of course is still sending me bills for all sorts of non covered fees and I think I ended up paying around 2k not covered for both surgery and the ER visit.
Churches can generally have negotiating power and the bigger the pool of money they can put together, the easier it is to negotiate it down.
My wife was unexpectedly hospitalized from her pregnancy (overly paranoid midwife) and the church paid everything related to that visit (she is a member). Pilgrim pays 50% for pregnancy related costs and 100% emergent costs related to pregnancy or 80% other medical costs.
Forgot to mention, my 3 year old is still getting billed for that same hospital system I went to’s urgent care. We brought her in on a Saturday because she had a giant loquat seed in her nose (we didn’t actually know what it was at the time), doctor was in there less than three minutes and got it out first try with his tweezers (pretty impressive, I admit, given the size), and we paid the price listed on the wall, which was like $150. She also got a lollipop.
Several months later, we get a bill that was “generously” knocked down from over $1000 and was currently two or $300 for that visit. Since there was no sedation, no vitals or anything like that, we can only assume it was the root beer lollipop. We’re going to try to contest it, but our church would probably help us pay for it (although I don’t think we would bother for that).