Fraternity programs and Brotherhood

This, if solvent, are among the best alternatives to regular health insurance. They are run by organizations whose members contribute to the "bank", which gave out when he has a need. At one time, you must be a member of the fraternity, but some of them now accept non-members. As a rule, they do not pay for regular doctor visits or medicine, but they pay for the catastrophic illness or hospitalization. It is not considered insurance, but you can not join the organization, if you have other insurance.