Every section of the Medi-Share Guidelines

Medi-Share Complete

1. Introduction and Notice This section explains that Medi-Share is administered by Christian Care Ministry, states the required notice that Medi-Share is not insurance and that Members remain personally responsible for their own medical bills, describes CCM membership, and lists CCM contact information.
2. I. Medi-Share Complete Overview Explains what Medi-Share Complete is: a Christian healthcare sharing ministry run by Christian Care Ministry, not insurance. Covers how Members share Eligible Medical Bills, how Members vote to change the Guidelines, and that the current Guidelines govern.
3. II. Membership Qualifications Explains who qualifies for Medi-Share Complete membership: the Christian testimony and Statement of Faith, healthy lifestyle standards, application and medical record review, Health Partners, adding spouses and children, adult children, age 65 transition, citizenship, and life milestones.
4. III. The Member's Role This section explains what Members are responsible for: Medi-Share is not insurance, sharing runs through individual financial institution accounts, Monthly Share notices and late contributions, required pre-notification for certain treatments, Sharing Assistance during hardship, cancellation and withdrawal rules, and reapplying after cancellation.
5. IV. Medi-Share Complete Program Options Explains the Annual Household Portion (AHP) levels for Medi-Share Complete, including the legacy co-share option, the DPC option, and how to change AHP levels. Also covers maximum sharing limits, the Health Incentive, and the provider fee paid at each visit.
6. V. Preferred Providers Explains why Members should use preferred (network) providers, how to find them and present your Medi-Share ID card, and what extra amounts become your responsibility when you use a non-preferred provider, including when and how those out-of-network amounts can be waived.
7. VI. Details of Sharing Explains how Medi-Share Complete determines which medical bills are eligible for sharing: approved providers and facilities, first-month sharing limits, lifestyle requirements, Members 65 and older, pre-existing conditions, pre-eligibility review, services with limited sharing, ineligible services, conflicts of interest, Extra Blessings and Program Blessings.
8. VII. Maternity Governs when maternity bills are eligible for sharing in Medi-Share Complete: marriage and AHP requirements, the $125,000 per pregnancy event limit, approved delivery providers, complications, multiple births, adding a newborn within 30 days, well-child care to age six, and unwed pregnancies.
9. VIII. Adoption Covers how Medi-Share Complete Members can share adoption costs: up to two adoption events per household, sharing limits by AHP level, the 24-month membership requirement, conditions for a second event, and Extra Blessings assistance.
10. IX. Motorized Vehicle Accidents Explains when injuries from motor vehicle, motorcycle, or aircraft accidents are eligible for sharing, including exclusions for alcohol, drugs, racing, stunts, crimes, and underage operators; the extra 15% Member portion for skipping a required helmet or seatbelt; the $100,000 motorcycle limit; and how to report an accident.
11. X. When a Member Dies Explains how Medi-Share Complete handles a Member's death: up to $5,000 in listed final expenses (funeral, burial, cremation and related costs) is eligible for sharing when membership qualifications were met, with bills and a death certificate due within one year.
12. XI. Medical Expenses for Which Third Parties Are Responsible Explains that medical bills are not eligible for sharing when insurance of any kind or a responsible third party (such as an at-fault driver) should pay them, and sets out CCM's waiver discretion, subrogation, reimbursement, and lien rights if such bills are shared.
13. XII. Appeals Explains how a Member can appeal a sharing decision on a medical bill, including the 90-day window, the review by CCM and a Seven Member Appeal Panel, and the biblically-based mediation and arbitration process for remaining disputes.
14. Glossary of Terms Defines the key terms used throughout the Medi-Share Complete Guidelines, including Annual Household Portion (AHP), Monthly Share, Eligible Medical Bill, Provider Fee, Co-Share Responsibility, Effective Date, Member Household, Pre-existing, and Explanation of Sharing (EOS).

Medi-Share 65+

1. Introduction and Notice Explains that Medi-Share 65+ is a voluntary medical bill sharing program administered by Christian Care Ministry, not insurance, and that Members remain personally responsible for their own medical bills. Includes CCM contact information for Member Services and Inquirers.
2. I. Medi-Share 65+ Standards and Purpose Explains what Medi-Share 65+ is, how Members share each other's Eligible Medical Bills, how Members vote on Guideline changes, and that the current Guidelines govern. States plainly that Medi-Share is not insurance and no one guarantees payment of any bill.
3. II. Membership Qualifications Explains who can join Medi-Share 65+: adult Members must affirm the Statement of Faith and live by biblical standards, avoid tobacco and illegal drugs for 12 months, be U.S. residents, be 65 or older, and be enrolled in Medicare Parts A and B.
4. III. The Member's Role Explains a Member's responsibilities in Medi-Share 65+: that Medi-Share is not insurance, individual sharing accounts, depositing the Monthly Share and late contributions, praying for other Members, sharing assistance during loss of income, cancellation, withdrawal, and reapplication rules.
5. IV. Details of Sharing Explains how sharing works for Medi-Share 65+ Members: the $500 Annual Household Portion, no annual or lifetime sharing limits, sharing secondary to Medicare, hospitalization and out-of-country urgent care, pre-existing conditions, lifestyle requirements, ineligible conditions, conflicts of interest, and Extra Blessings.
6. V. Conditions of Sharing Explains that Medi-Share is not insurance and may only be used in place of legally required insurance in two cases: the 2014 federal minimum essential coverage mandate and the Massachusetts minimum creditable coverage requirement. Members must not certify it as insurance otherwise.
7. VI. Motorized Vehicle Accidents Explains when injuries from motor vehicle, aircraft, and motorcycle accidents are eligible for sharing, including the 15% additional Member portion when required helmets or seatbelts are not worn, the $100,000 motorcycle sharing limit, and how to report an accident.
8. VII. Medical Expenses for Which Third Parties Are Responsible Explains that medical bills are not eligible for sharing when insurance or an at-fault third party is responsible, when CCM may waive that exclusion, and the subrogation, 30-day reimbursement, and lien obligations Members accept if such bills are shared.
9. VIII. Appeals Explains how a Medi-Share 65+ Member can appeal a bill-sharing decision within 90 days, request a Seven Member Appeal Panel review, and resolve any remaining dispute through biblically-based mediation and binding arbitration instead of a lawsuit.
10. Glossary of Terms Defines the terms used throughout the Medi-Share 65+ Guidelines, including Annual Household Portion, Monthly Share, Eligible Medical Bill, Pre-existing, Member Household and Effective Date, and lists ministry contact information and documents available to Members on request.