All Guidelines sections

About the Guidelines (1)

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1. Medi-Share 65+ 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.

Membership & Eligibility (3)

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1. Medi-Share 65+ 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.
2. Medi-Share 65+ 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.
3. Medi-Share 65+ 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.

How Sharing Works (2)

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1. Medi-Share 65+ 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.
2. Medi-Share 65+ 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.

Accidents & Third-Party Expenses (2)

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1. Medi-Share 65+ 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.
2. Medi-Share 65+ 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.

Appeals & Disputes (1)

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1. Medi-Share 65+ 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.

Glossary of Terms (1)

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1. Medi-Share 65+ 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.