Lakewood NJ Master Thread

[moko]

I don't understand how this guy is promoting this. I'm sure it's not so simple halachicly to join, he's also doing some false advertising as there is a deductible.
Also according to my research (didn't actually speak to them) they won't cover a pregnancy that was conceived before joining the plan. This was in the tiny fine print....

pretty sure this standard for most private insurance plans

[aygart]

THere is nothing so terrible in this. Seems the worst is the orange.

III. SHARING MEMBER QUALIFICATIONS AND REQUIREMENTS.
In order to become and remain a Sharing Member, a person must meet and satisfy the following criteria and requirements:
A. Observe Christian Standards. The modern medical cost sharing movement was begun by a small band of Christians to practically demonstrate how to fulfill the command by Christ to ‘bear one another’s burdens’. In accordance with that practice, every member of Liberty HealthShareSM is expected to:
Strive to live in accordance with biblical principles.
Honor the biblical teaching to ‘share one another’s burdens’ (Gal. 6:2).
Participate regularly in worship or prayer.
B. Accept Our Shared Beliefs. Liberty HealthShareSM members come together to share medical bills because we hold to beliefs of conscience based on moral, ethical and religious values that affect the way we live and compel us to support, care and help each other during times of crises. We share each other’s medical expenses not as matter of convenience or cost savings, but because we are compelled by God and conscience to do so. Sharing such burdens is part of our religious, ethical and moral code. It is our biblical obligation to help our fellow man when in need. We are our brother’s keeper! It is our spiritual duty to God and our ethical responsibility to ourselves and the other members of our cost-sharing ministry to care for our bodies and maintain our health. Finally, it is our fundamental right to make decisions about our healthcare and not to relinquish that right to others.
At the core of what we do, and how we relate to and engage with one another as a community of people, is a set of common beliefs. Our Statement of Shared Beliefs is as follows:
1. We believe that our personal rights and liberties originate from God and are bestowed on us by God, and are not concessions granted to us by governments or men.
2. We believe every individual has a fundamental religious right to worship the God of the Bible in his or her own way.
3. We believe it is our biblical and ethical obligation to assist our fellow man when they are in need according to our available resources and opportunity.
4. We believe it is our spiritual duty to God and our ethical duty to others to maintain a healthy lifestyle and avoid foods, behaviors or habits that produce sickness or disease to ourselves or others.
5. We believe it is our fundamental right of conscience to direct our own healthcare, in consultation with physicians, family or other valued advisors, free from government dictates, restraints and oversight.
These beliefs form the religious and ethical basis for our interaction and relationship as a community. Each member is required to subscribe to this Statement of Shared Beliefs as evidenced by their signature on the Application Form. We make a somber and significant pledge to one another that we will aid, support and devote our resources to one another in this most personal area of our life: our healthcare!
C. Maintain a Godly Lifestyle. Members highly value the spiritual principle that our bodies are gifts from God and we must respect and care for our physical bodies. Further, we have an ethical obligation to our fellow members to live healthy so as not to place any unnecessary burdens on those who are sharing with us. As a community of people we try our best to live out Jesus Christ’s mandates.
To qualify as a Sharing Member, an applicant must comply with any lifestyle requirements contained in these guidelines, and must submit a detailed account of their medical history. In general, a godly lifestyle requirement includes, but is not limited to, the following:

1. Refrain from tobacco use in any form.
2. Follow scriptural teachings on the use or abuse of alcohol.
3. Avoid abuse of prescription drugs, which means consuming prescription medications in a manner not intended by the prescriber that would likely result in bodily harm or dependency.
4. Abstain from the use of illegal drugs including, without limitation, any hallucinogenic substance, barbiturates, amphetamines, cocaine, heroin or other opiates, marijuana, illegal intravenous drugs, or narcotics.
5. Exercise regularly and eat healthy foods that do not harm the body.
As a sharing ministry, we are always constrained by finite resources no matter how many members we may have. Existing medical conditions disclosed on an application can help us make suggestions as to spiritual or lifestyle changes that can improve the health of the individual and benefit the group as a whole. If, at any time, it is discovered that a Sharing Member did not submit a complete and accurate medical history on the Membership Enrollment Application or on the Medical History Questionnaire, either a sharing limitation or membership declination may be issued retroactively to his/her effective date. In such an event, annual dues paid at the time of application will not be refunded. Sharing Members may apply to have a sharing limitation removed by providing medical evidence that they qualify for such removal. Sharing limitations and Sharing Membership declinations can be applied retroactively but cannot be removed retroactively.

[aygart]

pretty sure this standard for most private insurance plans

Not now that there are no pre-existing exclusions it think.

[Crazy tools]

THere is nothing so terrible in this. Seems the worst is the orange.

Just spoke to them, they said no need to be Christian all you need to do is abide by certain standards.
I also asked if they use any funds from this to fund the church, she claimed not.

What's the reason that one would start such a thing? Is it because some don't want to partake in an insurance that pays for services that they don't religiously believe in? ie abortion?

[Crazy tools]

Not now that there are no pre-existing exclusions it think.

Also scary not to disclose such info until asked, in sure many in Lakewood don't realize this exclusion and will come to some hefty medical bills.

[moko]

Also scary not to disclose such info until asked, in sure many in Lakewood don't realize this exclusion and will come to some hefty medical bills.

not so hefty mant people I know pay for pre natal and childbirth out if pocket due to lack of choice obgyn/ high risk obgyn it can be as low as 3k

[avromie7]

not so hefty mant people I know pay for pre natal and childbirth out if pocket due to lack of choice obgyn/ high risk obgyn it can be as low as 3k

3k? Maybe in 1990

[moko]

3k? Maybe in 1990

no, last couple of years with an LIJ affiliated doctor

[yoohoo]

Re the Starbucks conversation

http://jpupdates.com/2016/06/08/starbucks-testing-kosher-certified-dairy-at-10-stores-in-ny-nj-in-bid-to-attract-jewish-customers/

[MarkS]

IMO the fact that those stores have no chalav stam bottles makes a big difference....

[churnbabychurn]

IMO the fact that those stores have no chalav stam bottles makes a big difference....

Would love to see an ordained Rabbi weigh in.

It would seem like Rabbi Holland was implying that it would be ok but IDK.

BTW, The oilam has been using the milk at Exxon for years....

[aygart]

Would love to see an ordained Rabbi weigh in.

It would seem like Rabbi Holland was implying that it would be ok but IDK.

BTW, The oilam has been using the milk at Exxon for years....

R Forscheimer once said to take a fresh container which they allow you to do. Also, there is more in and out over there.

[aygart]

IMO the fact that those stores have no chalav stam bottles makes a big difference....

until they run out and send someone over to stop and shop to get a few.

[Hjay]

Not sure how u can trust that the milk is c"y without a Hashgacha on the store seems like basic Halacha to me

[churnbabychurn]

  Also, there is more in and out over there.

נתתה דבריך לשיעורין

[dudi]

We ordered in holy schnitzel last night and the new training worker on the phone messed up our order.
Called them up and they had the worst customer service, they fought back and answered it was my fault that when they read it back to me I didn't realize she read back a sandwich with a bit of a different name (long name and one of the words was different), if they don't up their game they not gonna last for too long.
The food was OK I was supposed to get a whole fancy sandwich but I got a usual schnitzel sandwich so nothing to report back about.

[MarkS]

I was there and ordered a burger for my kid and asked for just a burger and nothing on it. It came with unwanted lettuce tomatoes and pickles.

While I was eating, a lady was arguing with the guy preparing the sandwiches. She had requested no toppings on her sandwich and saw him starting to assemble hers with toppings. She asked him to stop and he insisted that he must because the receipt doesn't say no toppings. She said "But it's for me and I don't want toppings!' She had to call over another employee to convince the sandwich assembler to make the sandwich as she wanted it.

[TimT]

Crazy

[MarkS]

3:30-13:40 Discussion about William St. closures

[cholent]

3:30-13:40 Discussion about William St. closures

Can't watch it now, sitting in a meeting. What did they say?