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Does anyone here have unconventional means of health insurance (in the US)? My family is now officially uninsured and I've been searching for our best option to possibly avoid sinking into debt over medical bills. It's quite frustrating since what we need, namely maternity care, is very difficult to obtain at a reasonable cost when you're self-employed as we are.
I've been reading tonight about Medical Sharing Societies. Does anyone have any experience with these? It would be great not to have to pay for other people's sterilization procedures or substance abuse counseling (which these groups exclude along with other unchristian medicine). Of course, websites advertising these organizations aren't going to be too specific about the drawbacks, so I was wondering if anyone has specific experience.
Anyone here have a totally different approach to affording your kiddos? We'd happily go bankrupt for a large family, but are trying to avoid that if possible. :)
Welcome to the forum, Nemo. Sorry, but I have no idea about the medical societies you are talking about. I suspect that if you are already expecting, you wouldn't be covered anyway.
 
If there is a La Leche League in your area, check with those ladies. :)
 
 
Thanks, Adoramus! This forum is quite addictive.
 
I know there are waiting periods with any medical coverage, but I'm not expecting now. Our first son was born 3 months ago and seeing those bills highlighted how necessary medical insurance is in our messed up health system.
 
Here are two examples of the societies I'm referring to:
http://www.christianbrotherhood.org/index2.html
http://www.medi-share.org/
They sound quite interesting for anyone who thinks they pay too much for state mandated health care. It's not insurance, so they're not obligated to pay anything, but each member contributes monthly with the expectation that their needs will be met when they arise. They do not pay for expenses related to unchristian behavior, so all of they money you "share" goes toward legitimate medical needs.
 
Here's a good summary article:
http://www.heartland.org/Article.cfm?artId=17709
 
I don't see the downside yet, but maybe I'm missing something. I think even if I were still employed I'd consider sending my money to a group such as this rather than paying for my employer's group coverage which generally ends up as profit for some large corporation.