No, this technique works with plain old insurance companies too. It's just that no one does it because they mistakenly give the hospital their insurance info -

No, this technique works with plain old insurance companies too. It's just that no one does it because they mistakenly give the hospital their insurance info - because, guess why? They ASK. Also, healthcare sharing ministries are not scams. However they are simply not guaranteeing payment. It sounds like the truth of it is that the "guarantee" of payment is what makes traditional insurance expensive. Is that worth it? I think that's up to each individual.