Samaritan Basic Features
Sharing Medical Needs
Medical bills related to the same condition will be shared as one need.
$400 Initial Unshareable Amount
Sharing starts once a need exceeds this threshold.
100% Sharing Percentage
The amount shareable for a need above the initial unshareable amount.
A Two-person membership, or its equivalent, is required for maternity sharing. The maximum that can be shared for a maternity need is $250,000, unless the member is enrolled in Save to Share™.
Limit Per Need up to $250,000
The maximum amount that can be shared for a need. Save to Share™ is an optional program for sharing catastrophic needs exceeding $250,000.
You might be wondering about...
- Shareable Bills
Samaritan members share medical needs that begin after membership. A need encompasses all the medical bills related to the same condition and is shared with your fellow members 100%* after the $400 IUA is met. For information about what types of needs are shared, see Section VIII of the Guidelines.
*except in months where proration occurs
- Pre-Existing Conditions
Needs that result from a condition that existed prior to membership are only shareable if the condition has been symptom, treatment, and medication-free for 12 consecutive months. Some pre-existing conditions, such as cancer, heart conditions, and hereditary diseases, have a five-year period before they are eligible for sharing. See Section VII of the Guidelines for more details.
- Routine Care
Routine care (dental, vision, yearly wellness checks, colonoscopies, etc.) is generally not shared by Samaritan members. If a shareable condition is discovered because of a routine visit, those related medical expenses can be shared. See Section VIII of the Guidelines for more information.
- Prescription Care
Prescriptions for shareable medical needs can be shared for up to a 120-day supply. Prescriptions for chronic, ongoing conditions are not shareable past this limit. See Section VIII of the Guidelines for more information.
- Maternity Care
Maternity needs are shareable in Samaritan Classic provided there are at least two family members in the same membership program at least 300 days before the estimated due date. A maternity need will be shared at 100% after the IUA has been met and has a maximum shareable amount of $250,000. Families where only one person is eligible for membership can request to pay the equivalent of a Two‑Person share amount each month to be eligible for maternity care sharing as a One‑Person membership. See Section IX of the Guidelines for more information.
Members enrolled in Save to Share™ can have maternity needs shared beyond the $250,000 maximum shareable amount.
- Save to Share™ for Catastrophic Needs
When a catastrophic need occurs, you can be there for others and they can be there for you through an optional program called Save to Share™.
Save to Share™ is designed to help Samaritan Classic and Samaritan Basic members with qualified needs that exceed the maximum limit per need. Participating members set aside a designated amount each year and send a portion of that savings, along with their monthly share, to assist a member with a catastrophic need. Depending on membership size, families set aside $133, $266, or $399 each year, and pay an annual $15 administrative fee. See Save to Share Participation for details.
Samaritan Classic has a $250,000 maximum limit per medical need.
As you work toward making your decision, we encourage you to review the Guidelines for Health Care Sharing.