In the second post in this series, I asked, “What would you do if you were not limited in the ways you are currently limited (or think you are limited)?”
The part I put in bold is critical. I find that I have often believed limits that were more in my head than about reality. I see most the folks I know doing the same thing from time to time. If you want to live a better story, you have to challenge your limits! See false limits for what they are, and eliminate them from your mind.
I think false limits are often an attempt to protect ourselves. Living a better story entails risk. Sometimes things will not go as we want, which can hurt. False limits can also be about keeping us from trying thing we fear others will find weird.
In addition to false limits, there are limit chains. For example, “I want to be a missionary in ________ but I can’t because I don’t speak the language, and I can’t learn the language because the only local course is offered when I am working.” The reality is you can learn a language on-line, or look for a job that would leave you free for the language classes. Some limit chains are many links long, with one false link. Find the false link, and it all becomes possible.
We do need to know our limits, but we must know our true limits. There are limits we respect because not doing so would hurt someone close or result in us failing to uphold an obligation. Such limits are not false, but they may not be permanent.
Bottom Line: Living a better story requires us to stretch ourselves, stretch our relationships, and embrace thinking and living outside the box.
The Health Co-Op flexible options:
In talking with families about health costs, I have found some who can benefit from a mix of traditional insurance and the alternatives offered by Samaritan Ministries and The Health Co-Op. If you have both, insurance pays first, and then you are left with whatever they reject plus your deductible. Samaritan will share all but the first $300 of what insurance does not pay (within the normal rules of course). A couple of examples – made up, but similar to real situations:
- Joe has very low-cost insurance for himself at his job, but the deductible is $5000, and adding his wife and kids will add $750 to his monthly cost. Joe could keep his insurance for himself, and put his entire family on Samaritan. His family now has sharing for their medical costs at far less than the insurance would cost. Joe has some benefits from the insurance, but also knows that any large deductible can be sent to Samaritan for sharing.
- Tim and Mary have their family insured, but it costs them $1000 a month. They could switch to Samaritan Ministries and The Health Co-Op and pay less than half as much, but Mary has some pre-existing issues that she needs to take care of over the next couple of years. So, the whole family could join Samaritan Ministries and The Health Co-Op, and drop insurance for all but Mary. This saves the family about $325 a month. Additionally, The Health Co-Op will help Mary work with doctors, and may well be able to save her money.
- Jill has very good insurance at work, while her husband Jack has only a very poor option at his job. Jill could add Jack to her policy, but it would cost more than they can afford. The best option for Jack and Jill and may be for her to stay with her work policy, while Jack joins Samaritan Ministries and The Health Co-Op on his own. This gives them both a good, low cost solution.
Learn more about this Christian alternative to health insurance that complies with the Affordable Care Act. Or, shoot me a note if you want to discuss it with me.