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Funding Your Care:  Current, Future and Unexpected Needs
Large medical bills may be staring you in the face right now.  Or perhaps you know you're going to need an expensive procedure down the road.  All of us want to be prepared for expenses that could come from serious illness or accident, or just from the process of getting old.  We've tried to build a list of resources to help individuals finance their current and future care.

Private Health Insurance

For cash payers, catastrophic insurance is preferred to a plan that pays for "routine" health problems like sprained ankles and the flu.  The premium for non-catastrophic plans is just too high, and it is generally cheaper to pay 100% out-of-pocket for all but the most expensive (and typically rare) services.  Self-funded employers are rapidly moving toward just such a system, using cash pay (termed 'direct contracting' in the employer world) for more and more of their employees' procedures.  Unfortunately this option is unavailable for individuals today due to the Affordable Care Act.

Health sharing ministries

Savings Accounts

Those looking at paying cash for healthcare, whether uninsured or insured under a high deductible plan, will want to start saving immediately for future expenses.  Savings can be in any type of earmarked account at a bank or other financial institution.  For those with an eligible high-deductible health plan, funds may be contributed to a qualified health savings account (HSA).  These funds are not subject to federal income tax.  When an HSA is owned by one's employer, it is termed a Health Reimbursement Arrangement (HRA).  HSA's and HRA's have maximum annual contribution limits, but in many cases unused funds can roll over and accumulate year to year.  Additional resources in this segment coming soon!

Financing Options

Those needing cash or credit to pay for healthcare bills have many financing options available to pay over time.  Hospitals and other facilities are increasingly offering ways for patients to finance their bills directly with the facility.  A number of private companies are also offering medical loans, and sometimes other forms of help for needy Americans to pay their bills.  Additional resources in this segment coming soon!

Medical Bill Negotiation


Medicare is public health insurance, provided by the federal government, primarily for people age 65 and older. Inpatient hospital care, nursing care, rehabilitation, and some home health are covered under what is called Part A of Medicare.  Outpatient and ambulatory care, medical equipment, screenings, and physical therapy are covered at 80%, which means a patient is responsible to pay 20% of what the government deems an acceptable fee for the procedure.

Some people get Part A without paying a monthly premium, but most Americans must pay a premium for both part A and Part B.  Part C is the part of Medicare that allows private health insurers to provide Medicare benefits.  Private supplemental insurance is also available to pay the remaining 20% of Part B services.  Part D covers prescription drugs.


Medicaid is public health insurance for low income individuals and families without sufficient resources to pay for health care.  As a result of the Affordable Care Act, or Obamacare, many states have expanded the rolls of those who qualify for Medicaid by raising the cap on income.  There are other healthcare options for low income Americans, such as the Children’s Health Insurance Program (CHIP).

Dental Insurance

Many dentists offer their lowest rates to those with dental insurance.  But dental insurers have been raising deductibles and lowering maximum payouts for years, while more and more dentists are offering discounted cash rates.  There may be cases where you can cut costs by having dental insurance, but price things out over time and call around to find out what kind of deals you can get by paying directly.
The Karis Group is not insurance and does not provide funds to pay for bills. This is a best-efforts service. Results cannot be guaranteed.