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Samaritan Ministries Review
Biblical, affordable health care sharing
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Faith-Driven MembersProvider FlexibilityCommunity-Minded
Founded 1994
280,000+ members
Our Verdict
Samaritan Ministries operates a unique direct-sharing model where members send their monthly share directly to another member in need. Unlike other health sharing ministries, there is no central fund. The community directly supports each other. This creates a personal, faith-driven experience. Members can use any healthcare provider, giving maximum flexibility.
Rating Breakdown
Pricing & Costs
Monthly Cost Range
$250–$500/mo
Deductible / IUA Range
$300–$300
Max Sharing Amount
No per-incident limit (community votes on large needs)
Monthly share based on household size; single, couple, or family rates
Coverage Details
| Maternity | ✓ | Fully shareable for married members after membership period |
| Mental Health | ✗ | Not eligible for sharing |
| Telemedicine | ✗ | Not included |
| Prescriptions | ✓ | Prescriptions related to shareable medical needs are eligible |
| Preventive Care | ✗ | Routine preventive care is not shareable |
| Dental & Vision | ✗ | Not included in standard sharing |
Network & Requirements
Network Type
Any Provider
No network — use any doctor or hospital
Religious Requirement
Yes
Must be an active, attending member of a Christian church and sign statement of faith
Waiting Period
None
Pre-Existing Conditions
12-month waiting period
Pros & Cons
👍 Pros
- Direct member-to-member sharing creates personal connection
- No provider network restrictions
- Strong Christian community with prayer support
- No per-incident sharing limit
👎 Cons
- Requires active church attendance verification
- No telemedicine or preventive care sharing
- Higher monthly cost for smaller households
- Manual sharing process can feel less modern
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