We were with Solidarity in 2020. To be fair, that was a terrible year for health plans. Covid upended any statistical expectations of medical costs.
Solidarity is not traditional medical insurance, and that can be difficult. Medical facilities have no idea what it is or how to process it. Stress and confusion are common. However, again to be fair, Solidarity did pay my bills after a time. We even received reimbursements two years after leaving (and paying out of pocket) a former physician. Helping others meet their bills via a sharing plan feels virtuous; understand, though, that it's very different from insurance, and it's much more hassle than insurance. If you accept that and have the financial buffer to wait out their process, I still believe health sharing can work. If you expect a smooth experience similar to traditional health insurance, though, you will be frustrated. It was too much uncertainty for me, and we left their plan.
> “Unlike a traditional insurance company, Solidarity negotiates healthcare pricing directly with providers to ensure the delivery of high-quality, life-affirming healthcare at affordable rates to Members across the country,” the spokesperson said.
I’m having a hard time seeing how this is anything other than a blatant lie by Solidarity wrt to insurance companies negotiating with providers.
About right with our experience. We had been with them for a little less than a year (mid 2022-now - just terminated things) and have had nothing shared officially/processed. There are a few things that have been batched according to the reps, but with no timeline for payment. One claim Solidarity made when we joined seems to be false, or at least needs to be clarified. This being (not sure what the current status is) that well-checks and other routine check-ups are 100% shared into before the annual unshared amount is reached. That is a big deal with young children. When it comes down to it though (from the sampling of bills they have 'processed' - which is small (one bill that I know of) I admit) those visits are not 100% shared before the annual unshared amount is reached. Out of a ~$500 bill for a well child visit only ~$120 was classified as shareable before the annual unshared amount. I am not sure why considering it was all routine, and in fact we refused some services.
I support what they are trying to do, but things take too long, answers are vague with no timeline, not even estimates.
In the end, paying out of pocket for common medical services would likely have ended up both cheaper, and easier to deal with, especially if one is savvy enough to ask for discounts for self pay, etc. In the event of a major medical emergency or even routine treatment for larger things it did not seem like Solidarity would be much help on any manageable timeline. So we went back to traditional insurance and I thank the Lord we did not have anything major happen while my wife and children were 'covered' under it.
We were with Solidarity in 2020. To be fair, that was a terrible year for health plans. Covid upended any statistical expectations of medical costs.
Solidarity is not traditional medical insurance, and that can be difficult. Medical facilities have no idea what it is or how to process it. Stress and confusion are common. However, again to be fair, Solidarity did pay my bills after a time. We even received reimbursements two years after leaving (and paying out of pocket) a former physician. Helping others meet their bills via a sharing plan feels virtuous; understand, though, that it's very different from insurance, and it's much more hassle than insurance. If you accept that and have the financial buffer to wait out their process, I still believe health sharing can work. If you expect a smooth experience similar to traditional health insurance, though, you will be frustrated. It was too much uncertainty for me, and we left their plan.
> “Unlike a traditional insurance company, Solidarity negotiates healthcare pricing directly with providers to ensure the delivery of high-quality, life-affirming healthcare at affordable rates to Members across the country,” the spokesperson said.
I’m having a hard time seeing how this is anything other than a blatant lie by Solidarity wrt to insurance companies negotiating with providers.
Has anyone filed a complaint with the Arizona Attorney General about Solidarity HealthShare?
If not, you can do so online here:
https://www.azag.gov/complaints/consumer
About right with our experience. We had been with them for a little less than a year (mid 2022-now - just terminated things) and have had nothing shared officially/processed. There are a few things that have been batched according to the reps, but with no timeline for payment. One claim Solidarity made when we joined seems to be false, or at least needs to be clarified. This being (not sure what the current status is) that well-checks and other routine check-ups are 100% shared into before the annual unshared amount is reached. That is a big deal with young children. When it comes down to it though (from the sampling of bills they have 'processed' - which is small (one bill that I know of) I admit) those visits are not 100% shared before the annual unshared amount is reached. Out of a ~$500 bill for a well child visit only ~$120 was classified as shareable before the annual unshared amount. I am not sure why considering it was all routine, and in fact we refused some services.
I support what they are trying to do, but things take too long, answers are vague with no timeline, not even estimates.
In the end, paying out of pocket for common medical services would likely have ended up both cheaper, and easier to deal with, especially if one is savvy enough to ask for discounts for self pay, etc. In the event of a major medical emergency or even routine treatment for larger things it did not seem like Solidarity would be much help on any manageable timeline. So we went back to traditional insurance and I thank the Lord we did not have anything major happen while my wife and children were 'covered' under it.
Frankly, I'm a bit shocked by this article. I've never seen Pillar do a hit piece on a company like this. What motivated you to go after them?