Last year we lost group coverage. After shopping the options we landed on using a faith based health share, Liberty, joined with concierge care with Dr. John Davidhizar,
MyMDbcs.com.
Before going this route I thoroughly researched both Liberty and met with Dr. John.
Dr. John's service is 24/7 - really, we needed him on a Sunday morning. He delivered. His is a monthly fee we paid up front. Liberty offered an offset to his fee.
Liberty is a monthly fee paid via credit card. We are responsible for first $1,000 of medical costs in a year then they kick in. Your medical history will be reviewed. Check caveats on
Liberty Health ShareFor about $6,000 a year we have coverage for catastrophic issues with Liberty - think Cancer not Colds. Plus what we need for personal medical care from Dr. John.