THIS IS NOT AN INSURANCE PRODUCT

Member Guide

Sharity Spectrum

Sharity Ministries programs are not available in AK, CO, CT, HI, IA, MA, MD, ME, MT, ND, NH, NJ, NM, NY, OR, PA, PR, SD, TX, VA, VT, WA, WY or Washington, D.C. Limitation subject to change without prior notice. Due to regulatory limitations regarding compensation, Sharity Ministries programs will no longer be sold in Massachusetts or Pennsylvania.

Table of Contents

Welcome

Welcome to Sharity Ministries. Thank you for participating in our health care sharing community. We are committed to streamlining access to individual and family-focused health care services at each step along the continuum of care. Please take a few minutes to review and understand the information in this member guide.

While this member guide is not a contract and does not constitute an agreement, a promise to pay, or an obligation to share, it is provided to help you understand how your Sharity Ministries (Sharity) program works, your responsibilities as a member of a Health Care Sharing Ministry (HCSM) and the guidelines associated with your program. The more informed you are, the easier it will be to understand which services may be eligible for sharing with your program, as well as any limitations, exclusions or requirements you should know about prior to receiving a medical service.

 Sharity Ministries programs are not available in AK, CO, CT, HI, IA, MA, MD, ME, MT, ND, NH, NJ, NM, NY, OR, PA, PR, SD, TX, VA, VT, WA, WY or Washington, D.C. Limitation subject to change without prior notice. Due to regulatory limitations regarding compensation, Sharity Ministries programs will no longer be sold in Massachusetts or Pennsylvania.

1.A Contact Member Services

Please contact Member Services Monday through Friday between 8am and 6pm ET.

Phone Number:  855-218-7005

Email Address: memberservices@sharityministries.org

2. About Sharity Ministries

2.A Believe in the Sharity Way!

Sharity Ministries is a non-profit, health care sharing ministry for Christians to help each other with medical requests without using health insurance. Because the ministry is not an insurance company, the terminology and processes may be different than you are accustomed to. Take a look at the information below to understand how the health care sharing ministry works.

  • Members’ monthly contributions are used to voluntarily share medical bills within the ministry
  • The ShareBox system, the membership account that Sharity utilizes to facilitate Member-to-Member sharing for its membership, sends weekly notifications, letting members know who will receive funds that month
  • Members’ sharing requests are reviewed for eligibility for sharing. Per the member guide, eligible amounts are submitted to the membership for sharing.
  • Members can also use the ShareBox system to donate gifts or additional funds to other members, as well as send words of encouragement

2.B We Are Sharity

Sharity Ministries is a faith-based, 501(c)(3) non-profit charitable organization, operating as a health care sharing ministry (HCSM). Through its predecessor organization, it has a rich history of sharing medical burdens since 1997. HCSMs provide health care cost-sharing arrangements among Christians, based upon their similar and sincerely-held religious beliefs. 

Through prayer and voluntary monthly gifts, members of HCSMs assist other members with eligible sharing requests. The ministry serves as a facilitator for those members who have medical expenses and those members who desire to assist in paying for those medical expenses.

2.B.1 Monthly Contributions

Sharity is a ministry. As a member of this ministry, you are agreeing to voluntarily send a monthly gift (contribution) as a blessing to another member to assist in that member’s medical expenses. To facilitate this sharing, Sharity uses a system called ShareBox. Please ‘here‘ learn more about ShareBox.

SHARING MEDICAL EXPENSES THROUGH MONTHLY CONTRIBUTIONS

Because Sharity is NOT insurance, it cannot, and does not, guarantee that the members’ monthly contributions available will meet all eligible sharing medical requests in the community. In that event, the following actions may be taken:

  • A pro-rata share of eligible medical sharing requests may be initiated, with the members paying a percentage of eligible sharing requests, carrying over the balance to the following month.
  • If sharing requests exceed contributions over a 60-day period, monthly contributions may be increased. This may be temporary or on an ongoing basis and will be applied to all members.

2.B.2 Guidelines

Sharity Ministries created guidelines to define what medical bills are eligible for sharing. Upon the basis of the Guidelines, all decisions about what is eligible to be shared and not shared are made. You can know before your medical event happens what will be eligible to be shared.

The guidelines set basic parameters around sharing requests, including specific limitations, exclusions and requirements for sharing request eligibility. A determination that a sharing request is eligible for sharing is not a promise or guarantee that the sharing request will be paid by the ministry. Instead, eligibility simply means that the sharing request will be  submitted to the membership for sharing. Members pay each others eligible medical expenses, if there are sufficient contributions, NOT Sharity. 

The dollar amount of assistance provided by members of the community will be published in a monthly newsletter to all members and that is published to Sharity’s website.

2.B.3 Member Share Responsibility Amount (MSRA)

The MSRA is the initial portion of each medical expense not shared with other members. A share request is not eligible for sharing until the total bill exceeds the individual’s MSRA. The program MSRA is notated in the Program Sharing Limits section.

2.B.4 Is This Legal?

Sharity Ministries is recognized by the IRS as a 501(c)(3) charity. Health care sharing also satisfies the mandates of the federal Affordable Care Act. Members are to complete the IRS created Form 8965, indicating what portion of the year they were a member of a health care sharing ministry.

2.C Sharity is NOT Insurance

Sharity Ministries is NOT an insurance company, nor does it sell insurance policies. The difference is simple. Health insurance is a contract where one party agrees to be legally responsible for and accept another party’s risk of loss in exchange for a payment, which is called a premium. Insurance involves a “transfer of risk.” Health care sharing is an arrangement where members share medical expenses through voluntary contributions, not because of legal obligation; no transfer of risk occurs.

Because Sharity Ministries is not an insurance company, it is not licensed or registered by any insurance department. The ministry does not assess potential members’ health risks, because neither the ministry nor the members are assuming financial liability for any other members’ risk.

Sharity does not provide a promise to pay or any guarantee of payment for medical expenses. Because Sharity does not assume the member’s risk, the member remains responsible for payment of his/her medical bills. Sharity does not guarantee that medical expenses will be shared by other members.

Sharity Ministries is governed and regulated by the IRS 501(c)(3) tax-exempt rules and the not-for-profit laws in each state.

There is no designated time window to sign up for Sharity Ministries. You can join anytime. Because it is not insurance, there is no ‘term’ to your membership. Your membership continues as long as you continue to participate and contribute to the HCSM program.

3. Program Level Information

3.A Program Sharing Limits

3.A.1 Member Shared Responsibility Amount (MSRA)

The MSRA is the initial portion of each medical expense not shared with other members. A share request does not qualify for sharing until the total bill exceeds the individual’s MSRA.

To view an example, please click here.

$3,000


3.A.2 Yearly Membership Sharing Limit

This is the maximum sharing available on eligible sharing requests by other members for a year from the effective date of membership.

To view an example, please click here.

$300,000


3.A.3 Lifetime Membership Sharing Limit

This is the maximum sharing available on eligible sharing requests by other members for the life of the membership.

To view an example, please click here.

$600,000


3.B Services Chart

3.C Maternity Sharing

Certain maternity medical expenses are eligible for sharing as long as a doctor confirms the conception occurred after the member’s start date and not before the mother’s membership began. Overall, sharing requests for prenatal care at the OB/GYN are eligible for sharing.

Generally, all bills for prenatal care, delivery, postnatal care, miscarriage, and congenital conditions are eligible for sharing. Additionally, bills for midwives, doctors, nurse practitioners, and other licensed medical professionals are eligible for sharing. For a child with genetic defects and/or hereditary diseases, special criteria apply. Please see the Member-to-Member Sharing Clarification table for more information.

3.C.1 Pre- and Post-Birth Sharing Requests

A mother’s medical expenses for all pregnancy and birth-related complications will be eligible for sharing.

A child or children’s pre-birth sharing requests and bills for routine postnatal, including no more than one routine outpatient doctor visit, will be part of the mother’s maternity sharing requests.

All of the child’s sharing requests after they are born, beyond routine natal care, will be considered the child’s sharing request separate from the mother’s maternity sharing requests.

3.D Emergency Room

Up to $20,000 (per incident) in medical expenses from an emergency room visit are eligible for sharing.

3.E Pre-existing Conditions

Members may have prior illnesses and events in life that still impact their daily lives. To be fair and equitable and not overburden the membership community, restrictions and limitations are applied to conditions occurring prior to membership, known as pre-existing conditions.

Sharing requests that result from a medical condition existing prior to the membership start date (known or producing observable symptoms) are only eligible for sharing among members if the condition appears to be cured and 18 months have passed without any symptoms (whether or not benign), treatment, testing, or medication (even if the cause of the symptoms is unknown or misdiagnosed). Medical records may be required to verify the lapse of symptoms, treatment, testing,and medication.

Conditions that meet the parameters below will be shared:

  1. Cured Conditions, 18-months Symptom, Testing, and Treatment Free
    1. Medical expenses that result from a condition that existed prior to membership (known or producing observable symptoms) are only eligible for sharing if the condition appears to be cured and 18 months have passed without any signs of symptoms (benign or not), testing, treatment, or medication (even if the cause of the symptoms is unknown or misdiagnosed).
    2. Medical Record: To provide fairness within the coordination of sharing between members, Sharity Ministries may require medical records from a physician that the current sharing request was not caused by the prior condition.
  2. For heart conditions, cancer, genetic defects, and hereditary diseases, the symptom testing/treatment-free period is 3 years.
    1. Because of the severity of certain medical burdens, members will not share in the above requests unless the following criteria has been met:
      1. A condition will not be considered as existing before membership, even though it may be known that it is not cured, if all these are documented by the member to be true for at least 3 years at the time your membership began:
        1. The condition has not been treated nor is future treatment prescribed/planned;
        2. The condition has not produced harmful symptoms (only benign symptoms); and
          The condition has not deteriorated.
    2. Medical Records: To provide fairness within the coordination of sharing between members, Sharity Ministries may require medical records from a physician that the current sharing request was not caused by the prior condition.
  3. Member Verification of Certain Conditions
    1. For some of the conditions listed in this section, the member and doctor must submit a signed statement to confirm the condition did not exist prior to membership or that the member went 18 or more months (up to 3 years for some conditions) without symptoms, testing, treatment, and medication.
  4. Ending Membership, Rejoining, or Switching Membership Level
    1. To prevent abuse, mistrust, and be fair across the membership community,
      1. Members who end their membership and later re-join will be responsible for condition(s) that developed during their initial membership, unless the criteria outlined above has been met.
      2. Members who upgrade their membership level are not subject to any medical condition(s) that developed since the start of their initial membership.

3.F Member-to-Member Sharing Clarification

3.F.1 Services Eligible for Sharing

Basic Care

Hospice Care: Hospice care services are eligible for sharing for 90 days upon prescription by a physician or certification that the person is terminally ill. 

Lab Work

Maternity: Sharing requests for prenatal care at the OB/GYN, delivery, postnatal care, miscarriage, and congenital conditions are eligible for sharing.

Organ Transplant: The costs to the member recipient of a routine (not experimental) organ transplant (including costs of the donor) are eligible for sharing, and are subject to the limitations for conditions that existed prior to membership.

Prescriptions in the Hospital: All medication, prescribed or not, administered during inpatient hospital stays are eligible for sharing.

Prescriptions outside of the Hospital: Prescriptions required for the continued healing of the member are eligible for sharing for up to 30 days after discharge from the hospital and to a maximum of $1,000.

Primary Care

Sexually Transmitted Diseases (STDs): When the STD was contracted as a result of the actions of others and not of the member (e.g. blood transfusions, non-consensual sex, or medical procedures), the expenses are eligible for sharing.

Specialty Care

Urgent Care: These facilities provide medical services for minor emergencies and are eligible for sharing under the limitations of your program (e.g. allergic reaction).

3.F.2 Services Eligible for Sharing With Exception

Armed Conflict: Services are eligible for sharing unless you are the aggressor; if you are acting in self defense or are a bystander, medical services will be eligible for sharing within the limitations of your program.

Audiological: Surgery to correct hearing issues due to illness, accident, or congenital defect is eligible for sharing. Hearing aids or any related examination or fitting are not eligible for sharing unless for hearing loss caused by accident or disease (e.g. not eligible for sharing if due to aging or extended exposure to loud noise).

Cochlear implants (and the related consultation and therapy), prosthetic inner ear stimulators, and similar implanted devices are eligible for sharing if a physician has provided written verification that the hearing loss cannot be addressed by non-surgical means.

Cosmetic Surgery: Surgery for disfigurement caused by amputation, disease (excluding acne), accident, and breast reconstruction following a mastectomy is eligible for sharing.

Dental Conditions and Routine Dental Care: Dental services are not eligible for sharing, except when required due to an eligible accident or as necessary to treat, or ancillary to treatment of, another eligible non-dental health condition, such as an eligible genetic defect. Dental services for accidents to teeth while eating are not eligible for sharing.

Diabetes: Expenses are not eligible for sharing unless 18 months have passed without any symptoms, treatment, or medication. 

Elective Surgeries: Costs for elective surgery will not be eligible for sharing if incurred in the first sixty (60) days of membership, except in the case of an eligible accident. 

Genetic Defects, Hereditary Diseases, Cancer, and Heart Conditions: A condition will not be considered as existing before membership, even though it may be known that it is not cured, if all these are true for at least five years at the time your membership start date:

  1. The condition had not been treated and did not have future treatment prescribed/planned;
  2. The condition had not produced harmful symptoms (only benign symptoms); and
  3. The condition had not deteriorated. 

High Blood Pressure: High blood pressure will not be considered a pre-existing condition even if you have not gone 18 months symptom free, as long as you have not been treated at a hospital for high blood pressure in the past five years, and you are able to manage the condition through medication and/or diet. Medication for treatment of high blood pressure as a chronic condition will not be eligible for sharing.

High Cholesterol: High Cholesterol by itself is not considered a pre-existing condition, nor is the mere fact that a person is taking a prescribed statin drug (or other antihyperlipidemic), unless the prescription is for diagnosed arteriosclerosis for a particular site within the body.

Medical Supplies: Sharing requests for medical supplies are eligible for sharing only when supplies are provided: (i) during an inpatient hospital stay; and/or (ii) supplies provided as a part of outpatient treatment by a medical provider.

Motor Vehicle Injuries: Most sharing requests for motor vehicle-related injuries are eligible for sharing. A ‘motor vehicle’ is any vehicle with an engine/motor used for transportation, work, or recreation. Bills must be submitted to any responsible or liable party before they will be considered for sharing. See Payment from Others section.

  1. Eligible for Sharing. Sharing requests from injuries in a motor vehicle accident are eligible for sharing for the amount of the sharing request that is not the responsibility of any insurance or liable party.
  2. Not Eligible for Sharing. If found that you were under the influence of alcohol or illegal substances.

Optical: Medical expenses related to cataracts, glaucoma, and other diseases or injury (including cornea replacement due to disease or injury) are eligible for sharing. Vision therapy is eligible for sharing. Routine and corrective optometric services, exams, or tests, including eyeglasses, contacts, eye refraction, LASIK surgery, cornea replacement, surgery, or other services when done primarily for corrective or cosmetic reasons unrelated to disease or injury are not eligible for sharing.

Physical Therapy: Expenses for injury or illness-related physical therapy received while you are in the hospital and for outpatient therapy are eligible for sharing. 

Prescriptions: All costs for medication, prescribed or not, administered during inpatient hospital stays are eligible for sharing. 

Prosthetics & Orthotics: Prosthetics are artificial devices that replace or augment a missing or impaired part of the body. An orthotic is a support or brace for weak or ineffective joints or muscles. The initial costs of prosthetics and orthotics are generally eligible for sharing.

  1. Limited Prosthetics for hair, teeth, and breasts are generally not eligible for sharing with certain exceptions for accidents and disease.
  2. Replacements and Maintenance Limitations’ Replacement and maintenance of prosthetics and orthotics are not eligible for sharing unless damaged in an accident.

Psychiatric Care: Costs for inpatient psychiatric care due to involuntary commitment, and/or psychiatric treatment for changes in the brain due to injury or physical illness are eligible for sharing up to $25,000 per condition.

Services Eligible for Sharing: Services received within the first sixty (60) days of membership will not be eligible for sharing if the member cancels his/her membership within thirty (30) days following receipt of such care (even if the services would otherwise generally be eligible for sharing).

Sexual Dysfunction: Only eligible for sharing if caused by injury or disease.

Sexually Transmitted Diseases (STDs): Eligibility for sharing of medical costs for care related to HIV, AIDS, and/or other STDs is dependent upon the manner in which the member contracted the STD. The member is responsible for providing this information.

Speech Therapy: Eligible for sharing if related to illness or accident (e.g. stroke).

3.F.3 Services Not Eligible for Sharing

Abortion

Abuse of Drugs or Alcohol

Accidents to teeth while eating

ADD, ADHD, SPD

Alternative Medical Practices: An alternative medical practice or treatment is a treatment proposed by a member for a condition lawfully diagnosed by a licensed medical professional, but not prescribed by the member’s provider.

Basic Eye Care

Bio Feedback Therapy

Chiropractic

Contraceptives

Cosmetic Surgery: All elective cosmetic surgery done primarily for non-health reasons, including breast reduction or enhancement operations, is not eligible for sharing. 

Fertility

Homeopathic

Hormone, Infusion, and Intravenous Therapy

Injury or Accident Result due to Alcohol or Drug Abuse

Long-Term Care

Maintenance/Repair/Replacement of Medical Equipment

Massage (Therapeutic) 

Naturopathic 

Nutritionists

Osteopathic

Physiological services

Prophylactic Surgery

Self-Inflicted Injury

Sexually Transmitted Diseases (STDs): When the STD was contracted through irresponsible member behavior (e.g. consensual sex outside of marriage or sharing hypodermic needles for illegal or illicit drug use), it is not eligible for sharing. 

Sterilization

Supplements

Surrogacy

Temporomandibular disorders (TMJ)

Travel Expenses

Weight Reduction: Weight reduction programs, diet centers, and clinics are not eligible for sharing. Staples in the stomach, balloons inserted in the stomach, jaw wiring, or any other surgical procedures done primarily for weight reduction are not eligible for sharing.

4. Member Responsibilities

  1. Eligible Share Request Notifications
    1. Members should check their email for sharing request notifications. Members should approve or deny all requests in the ShareBox system. If you have not submitted a response in the ShareBox system within 3 days of the notification, your approval is assumed. The community is obligated to provide a timely response to other members.
  2. New Members
    1. To begin a membership, each new member sends a membership fee, along with their contribution for the first month. The non-refundable membership fee is $125, of which $25 immediately goes to charity. New members will receive a welcome letter, a copy of the Membership Guidelines, and login information for the Sharity member portal and ShareBox system.
  3. Sending Prayer and Notes
    1. In addition to approving eligible sharing requests in the ShareBox system, you are welcome to send words of encouragement and prayers to other members.
  4. Respect for Privacy
    1. Members share deeply personal prayer requests and health information with one another. While this information may be shared with family and prayer partners, names or details should not be shared on social media, blogs, or websites without permission, or in any other way misuse the information.
  5. Integrity
    1. Members are expected to act with integrity at all times. Members who falsify sharing requests or use deceptive practices for themselves or another member will be dropped from the membership with no refund.
    2. When a sharing request is submitted, the ministry qualifies it in accordance with Guidelines with the hope that members will contribute financially in a timely fashion.
  6. Terminating Membership
    1. You must notify Sharity Ministries no less than 15 days prior to your next contribution to end your membership. (E.g., if you want your last sharing month to be August, you must notify Sharity by August 15.) Sharity Ministries relies on this window to adjust notifications and pending eligible sharing requests in the ShareBox system. Members depend on your voluntary financial gifts to meet the requests of our community.
  7. Adjusting Membership
    1. If you are continuing your membership, but are removing a spouse or lowering your household contribution in any way, you must notify Sharity Ministries no less than 15 days prior to your next contribution. (E.g., if you want your monthly contribution to be modified in September, you must notify Sharity Ministries by August 15.)
  8. Restarting Membership Less Than 60 Days From End of Membership
    1. And a Sharing Request has Occurred – If you have a sharing request occur (whether new or related to a prior sharing request) after the date your membership ended, and you seek to restart your membership less then 60 days from the end of your membership it will be treated as a new membership so all existing health conditions will be subject to the pre-existing conditions sharing limits discussed in the pre-existing condition section.
    2. And No Sharing Request has Occurred – If you seek to restart your membership and no sharing request has occurred since your membership ended if you notify Member Services within 60 days after the membership ended and you catch up on any missed shares, your membership will be treated as if it never ended.
  9. Restarting Membership More Than 60 Days From End of Membership
    1. If you seek to restart a membership more than 60 days after it ended, it will be treated as a new membership, requiring a new application and charitable donation. The member will be subject to the pre-existing condition section, as if they are a new member. The membership enrollment fee is non-refundable.
  10. Requesting Sharing and Hardship Request for an Ineligible Sharing Request (Hardship Request)
    1. Members may submit a ‘Hardship Request’ for eligible medical services that do not otherwise meet the Guidelines, (such as pre-existing conditions) and members may give to these requests in addition to their regular monthly share. Sharity Ministries reserves the right to decide which sharing requests will or will not be shared as Hardship Requests. Requests for eligible medical expenses to be submitted as a Hardship Request will be evaluated based on criteria like the extent of the financial burden, the availability of assistance from other sources, the degree to which the sharing request was avoidable, and the number of other pending requests.
    2. Before submitting a Hardship Request, consider financial resources, including reductions requested from providers,  financial assistance provided through your provider, and assistance from your family and local church. Remember that the membership will be giving beyond their contributions to alleviate the burden. For questions concerning Special Prayer Requests or Hardship Requests call 855-218-7005 to speak to a sharing advisor.
  11. Payment From Others
    1. Members may experience medical events where other payment arrangements must be used first before the event may be submitted as a sharing request.
      1. Insurance Type Arrangements – Bills must be submitted to insurance, Medicare, Worker’s Compensation, and any other payer who may be responsible before submitting to Sharity Ministries. Members must receive notice of payment or rejection and submit related documentation, before Sharity Ministries will consider sharing the sharing request. Any amount paid by insurance, Medicare, Worker’s Compensation, or any other responsible or liable party(s) will not be shared. If a sharing request is shared and later reimbursed by a third party or liability is released as part of a settlement, the reimbursed amount must be returned to meet other members’ requests, even if the amount of medical expense compensation is not specified in the settlement.
      2. Pursuing Legal Remedy – If a member suffers an injury and a probable liable party or their insurance refuses to pay unless legal remedies are pursued, the member must pursue his legal remedies unless they demonstrate that doing so would violate his Biblically-based conviction against initiating a lawsuit. Conditions may be placed on sharing requests related to such injuries before the matter is settled. Amounts received in settlement, to the extent they fairly represent compensation for shared medical expenses, must be sent on to meet other members’ requests.
    2. Other Health Care Sharing Organizations – If a member participates in another health care sharing ministry, they may not seek shares/payments from multiple ministries in excess of his shareable bills, for to do so is to obtain assistance beyond his burden.
  12. Submission Timing
    1. Ordinarily, eligible medical expenses submitted more than one year after the service was provided will not be shared.
  13. Changing Membership Levels
    1. Members can change levels at any time. A level change will be treated as a brand new membership requiring a new application and charitable donation, and subject to pre-exisiting limitations as if you had never been a member. The charitable donation is non-refundable.
  14. Newsletters
    1. Check your email for newsletters or updates on the positive impacts of Sharity’s charitable giving

5. Understanding Your Membership

5.A Sharity Share System

5.B Understanding Your Sharity Ministries Membership Card

5.C Understanding the Sharity Ministries Member Portal

As a member of Sharity Ministries, you are a part of faith-based community of like minded Christians. It is expected that all members will be good stewards of the program. To help members fulfill this expectation, Sharity Ministries provides access to specialized technology systems designed to support members in their sharing. The member-based technology systems that make Sharity Ministries unique are the Member Portal and the ShareBox. The ShareBox is connected to the Member Portal, but you can also access it independently via the Sharity Web site.

The Member Portal is the single most important tool for your membership. Through the Member Portal, you have visibility into, and control over, your membership and your healthcare costs through a secure online member portal. This secure online member portal provides the convenience of being able to self-service your membership and connect with the Sharity Ministries community. Your time is important, and it solves the problem of waiting on the phone to ask questions like, ‘Can I change my payment method?’, ‘Where do I find doctors and facilities in network?’, ‘How can I connect with other members’? or ‘How does my membership work?’.

In addition to offering solutions to the above questions (and more), the Member Portal also offers the following services for your convenience:

  • E-chat with a Ministry Advisor about the various advantages of your membership
  • Send words of encouragement and prayers to other members in their times of need
  • Change your billing method privately and securely search provider and facility locations
  • View and check the status of your submitted Share Requests and how much money you have put toward your healthcare costs
  • Approve eligible medical Share Requests submitted by members within your membership level
  • Add eligible dependents to your membership
  • Donate additional funds to help lessen the burden within the sharing community that are in excess of the funds available by the community of members or to lighten member burdens identified in Hardships Requests

5.D How to Access Your Member Portal

  1. Go to the Sharity Ministries website, SharityMinistries.org
  2. Click Members in the navigation bar at the top of the screen and you will be directed to the Member Portal login page
  3. If it is your first time using the Member Portal, click Register Complete all fields with an asterisk (*) then click Save and Next
  4. You will be prompted to create your username and password
  5. Your password should be between 8 and 15 characters and have at least one uppercase letter, one lower case letter, one number and one of the following special characters: !@#$%&_-
  6. You will be asked to confirm your identity, then click One Time Password (OTP) for Verification, you will receive a 6-digit code, then you may proceed to Set Security Questions
  7. Scroll to read the Sharity Ministries Program Disclosures
  8. Check the box next to I Agree, then click Submit
  9. Your Member Portal user account will be created, and you will be redirected to the Member Portal’s homepage

5.E Understanding the Sharity Ministries ShareBox Portal

The Sharity Ministries ShareBox Portal is where our membership community can share in medical expenses. The ShareBox is where members can see their current Monthly Contributions amount, review their sharing history and track their medical expenses. The ShareBox is where our members interact with their fellowship community.

The ShareBox is where members can track:

  • Member Account Overview
  • Sharing History
  • Donations
  • Account Summary
  • Monthly Contribution Information

5.E.1 ShareBox Portal FAQs

How will members receive the notification about sharing with other members and when?

  • Email notification will go out to members every month. The member will be contacted via the email address that is on file in the Member Portal.

How long do members have to respond?

  • Members have three days to respond if they would like to opt out for that month. The opt-out feature is available for a particular month only before that month’s activity starts in the ShareBox. By participating in the ministry, members are opted in for sharing.

What happens if the member does not respond within 3 days’

  • The member’s contribution will be shared with other members who have eligible pending sharing requests.

What other information is available in the ShareBox portal?

  • Member Account Overview
  • Sharing History
  • Donations
  • Account Summary
  • Monthly Contributions

How is the ShareBox Portal different from the Member Portal?

  • The ShareBox Portal is dedicated to show activity related to each member’s ShareBox account and historical summary.

How does ShareBox protect my privacy?

  • In ShareBox, members can only see a contribution at the dollar amount level and a donor’s first initial/last name. No share request details of other members’ eligible medical services rendered is accessible to the contributing member(s). This allows for Member-to-Member sharing to remain confidential.

5.F How to Access the ShareBox Portal

  1. Go to the Sharity Ministries website, SharityMinistries.org
  2. Click ShareBox in the navigation bar at the top of the screen and you will be directed to the ShareBox Portal login page

6. How to Use Your Membership

6.A How Does Sharity Facilitate Sharing?

7. Information About Your Membership

7.A Defining a Membership

A membership in Sharity Ministries is limited to members of the same nuclear family. Nuclear families include the primary member, spouse, and children, but can include grandchildren in the circumstances described below.

Any unmarried children age 17 and under, and unmarried children age 18 and over who meet the requirements of paragraph 1, may be included as a child in a family membership.

  1. Children Age 18 and Over
    1. Unmarried children ages 18 through 25 may remain on their parents’ member’ship if they are living at home (which includes while away at school full-time).
    2. Someone 18 or older may not be on a membership with a sibling when no parent is active on the membership. Whenever that occurs, the older child will need to enroll in his or her own membership.
    3. Someone 18 or older, who does not live at home or meet the qualifications stated above, is considered an adult and requires their own membership.
  2. Marriage
    1. All married children of a primary member must have their own membership, even if they qualify as a dependent or are under age 26.

30-DAY GRACE PERIOD

Children who become ineligible to be on their parents’ membership, as described above, will have a 30-day grace period to obtain their own membership. After 30 days, they will no longer be considered part of their parents’ membership.

GAP PERIOD BETWEEN MEMBERSHIPS

Any incidents that occur from the time a child leaves their parents’ membership to the date they begin their own will not be shared.

NEWBORN

A newborn will be retroactively added to the family membership if Sharity is notified within 30 days of birth. If notified after 30 days, the effective membership date will be the date Sharity is notified. Note: the monthly contribution will increase with the addition of the child. Please be aware there are specific Guidelines addressing sharing requests for a newborn in the Maternity Sharing Requests section.

ADOPTION

Just like biological children, adopted, unmarried children less than 27 years-old may be added as a dependent under your membership. Services that are eligible for sharing are limited to medical and will not be eligible for sharing until the dependent has been added to your membership; to add a dependent, additional contributions will apply.

GRANDCHILDREN

Grandchildren may be included as part of their grandparents’ membership if they meet all of the following criteria:

  1. They live permanently with their grandparents (their primary household);
  2. The grandparents have legal custody or the grandchild is the child of a minor;
  3. They meet the eligibility Guidelines for children, and
  4. They have no other third-party responsible for their medical bills.

REMOVAL OF CHILD OR SPOUSE FROM MEMBERSHIP

A child or spouse splitting off an existing membership will begin at the same level as the existing membership.

7.B Deciding what doctor to use and how the membership shares based on that decision

Members are encouraged, but not obligated, to use the MultiPlan (PHCS) network. The PHCS network affords the membership community with the most fair and consistent pricing for medical expenses, so costs are fully eligible for sharing after the MSRA that is notated in the Program Sharing Limits section is met.

Choosing a provider outside the PHCS may cost the membership community more. A member will be responsible for 40% of any eligible medical expense for services rendered outside the Sharity Recognized Provider Group (MultiPlan PHCS). Sharity members will share in the remaining 60% of the eligible medical expense as a sharing request among the community. The MSRA still applies.

Network participation is outside the control of both Sharity and its members and may change frequently. Provider participation is not guaranteed, so it is critical to call the provider to verify participation in the network prior to scheduling your appointment(s) and incurring medical expenses that may or may not be eligible for sharing.

  1. Start your doctor search by visiting sharityministries.org/resources/network/.
  2. Find the name of your membership level in the left-hand column of the chart.
  3. Click the network logo next to it.
  4. Search for a doctor.
  5. Call the doctor you choose to ensure participation with the network.

7.C Resolving Disputes

7.C.1 Disagreements Among Members

Sharity Ministries is a voluntary association of like-minded people who come together to assist each other by sharing medical expenses, without establishing legal obligations. However, differences of opinion may occur, so a methodology for resolving disputes is available. By becoming a member of Sharity Ministries, you agree that any dispute you have with or against Sharity Ministries, its associates, or employees will be settled using the following steps as a course of last resort.

If a member disagrees with a determination and believes there is a valid reason why the initial determination is wrong, then the member may file an appeal.

A. 1st Level Appeal. Most differences of opinion can be resolved simply by calling Sharity Ministries to resolve the matter with a member services representative, within a reasonable amount of time.

B. 2nd Level Appeal. If the member is unsatisfied with the determination of the member services representative, then the member may request a review by the Internal Resolution Committee, made up of three Sharity Ministries officials. The appeal must be in writing, stating the elements of the disagreement, and the relevant facts. While no time frame for a response can be guaranteed, the Internal Resolution Committee will endeavor to respond and work on resolving the appeal within 30 days.  During this appeal period, timely responses from the member, the health care providers, and any others involved will be necessary to provide a timely resolution. The appeal must address the following items:

  1. What information in the determination is either incomplete or incorrect?
  2. How do you believe the information already on hand has been misinterpreted?
  3. Which provision in the Member Guide do you believe was applied incorrectly?

7.C.2 Agreement to Alternative Dispute Resolution

Sharity is a voluntary association of like-minded people who come together to assist each other by sharing medical expenses. Such a sharing and caring association does not create legally binding obligations to pay medical expenses of Members. However, it is recognized that differences of opinion will occur, and that a methodology for resolving disputes must be available. Therefore, by becoming a Member of Sharity, you agree that any past, present, or future claim, controversy, or dispute of any description (the ‘Dispute’) that you have arising out of, relating to, or in connection with your relationship or dealings with Sharity (including any of its respective predecessors, successors, affiliates, subsidiaries, parent companies, agents, employees, representatives, directors, managers, officers, shareholders, assigns, associates, attorneys, distributors, and all other persons acting on their behalf) will be settled using the following steps of action, and only as a course of last resort.

7.C.3 Steps for Alternative Dispute Resolution

Mediation and Arbitration. If the dissatisfied Member disagrees with the conclusion of the Internal Resolution Committee or has any other disputes or claims arising from or related to the member’s relationship or dealings with Sharity, then the Dispute shall be resolved by first submitting it to mediation. The mediation will occur in the state where you reside, or in Atlanta, Georgia, whichever you prefer.

If the Dispute is not resolved through mediation, then the matter shall be submitted to legally binding arbitration in accordance with the applicable Rules and Procedure of the American Arbitration Association (or ‘AAA’), except the AAA Rules on class arbitration shall not apply. Notwithstanding any Rule or Procedure of the AAA, the Member and Sharity agree that the arbitrator shall be restricted to resolving only the Dispute between the dissatisfied Member and Sharity and will not be allowed to conduct any consolidated or class-wide arbitration proceedings involving claims or disputes of other Members. The dissatisfied Member waives any right to represent others in a class action or to participate as a class member in any class action. The Member and Sharity agree that the arbitrator selected to resolve the Dispute shall also have exclusive authority to resolve all gateway issues of arbitrability, including without limitation all issues of his/her own jurisdiction; all issues about the formation, interpretation, applicability, validity, or enforceability of this arbitration provision or the Member Guide; all issues about what claims or disputes or parties are shared by this arbitration provision; and all substantive or procedural defenses to enforcement of this arbitration provision. The Member and Sharity agree and understand that these methods shall be the sole remedy to resolve any controversy or claim arising from or related to the Dispute, and expressly waive their right to file a lawsuit in any civil court against the Member or against Sharity for such disputes, except to enforce an arbitration decision or to compel arbitration. Any arbitration shall be held either in Atlanta, Georgia, or in the state where the dissatisfied Member resides and shall be conducted in the English language subject to the laws of the State of Georgia. Sharity shall pay the filing fees for the arbitration at the time of filing, and it shall pay the arbitrator’s fee. Except as otherwise required by law, other expenses of the arbitration shall be paid by each party, respectively, including without limitation costs related to transportation, accommodations, experts, evidence gathering, administrative costs, and legal counsel. The dissatisfied Member and Sharity agree to be legally bound by the arbitrator’s final decision. The parties may alternatively elect, by mutual agreement, to use other professional arbitration services available in the Atlanta metropolitan area or in the state where the dissatisfied Member resides.

The AAA maintains a list of approved arbitrators. The arbitrator will be selected from those lists. The AAA will provide each of us a list of seven (7) possible arbitrators. Each of us will have an opportunity to strike three (3) persons from that list, and you will have the first three (3) strikes. After each of us have used our strikes, the remaining person shall then serve as our arbitrator. We may also mutually agree, in writing, on an arbitrator from the AAA’s lists.

In conducting the arbitration proceedings, the arbitrator shall be bound by the Federal Rules of Evidence. In the event of a conflict between the AAA Rules and the Federal Rules of Evidence, the Federal Rules of Evidence control. The arbitrator’s findings, reasoning, decision, and award shall be set forth in writing, and shall be pursuant to Georgia law. The arbitrator must abide by all applicable laws protecting the attorney-client privilege, the attorney work product doctrine, and any other applicable privilege.

The decision and judgment of the arbitrator shall be final, binding, and enforceable in any court having jurisdiction. The arbitrator’s findings, reasoning, decision, and award shall be subject to judicial review on the grounds set forth in 9 U.S.C. – 10, as well as on the grounds that the findings, decision, or award are manifestly inconsistent with the terms set out herein or with applicable law.

You agree that Sharity business operations and your transactions with Sharity involve and affect interstate commerce. The Federal Arbitration Act applies to and governs this arbitration provision, not the arbitration laws or procedures of any state.

If an arbitrator determines that any term of this arbitration provision is unenforceable, the remaining terms of this arbitration provision are severable and enforceable to the fullest extent permitted by law.

To the extent permitted by law, these private dispute resolution procedures supersede any prior private dispute resolution procedures in any previously-issued Guidelines and are specifically incorporated in any other previously-issued Guidelines. By continuing to make monthly sharing contributions, the Member recognizes his/her consent to incorporation of these private dispute resolution procedures in any applicable Guidelines.

7.C.4 Timing of Sharing Requests with Amendments

Amendments to the Guidelines will go into effect as soon as administratively practical or as designated by the Board. Members will be notified of amendments to the Guidelines in the monthly newsletter, through postings on the ministry website, or through electronic correspondence.

7.C.5 Applicable Law

For all matters of procedure and substance regarding any dispute or claim that comes within these mediation/arbitration requirements, the laws of the State of Georgia, and if applicable of the United States, shall govern.

7.C.6 Notice of Amendments

If you have a sharing request that began before the amendments were adopted, the sharing of medical expenses related to that sharing request will be determined by the Guidelines as they existed on the date the medical expenses were incurred. However, medical expenses related to a member’s sharing request that would have been eligible for sharing under the Guidelines in effect when a request began will remain eligible for sharing regardless of subsequent Guideline amendments.

8. Glossary of Terms

Term Definition Example
DaysUnless specified otherwise, days means calendar days, not business days
Effective DateThe date that the member becomes active in the Sharity Ministries program, which is determined at the time a member joins.Ex. If the member’s effective date is July 1, 2020, this is the date their medical expenses are eligible for sharing. 
Explanation of SharingA document that explains a Share Request. It will provide information on the Member-to-Member share amount, which is facilitated by Sharity Ministries, and total costs of services rendered.Ex. If a member submits a share request, they will later receive an explanation of sharing, which describes how much of the request was shared amongst the membership and how much the member is responsible for paying. 
HouseholdThis includes your entire membership account, including anyone listed under your membership as a dependent or spouse. Dependent members are defined in your membership guideline. Ex. Your household consist of primary members and dependent members.
Lifetime Sharing MaximumThis is the maximum amount that may be shared Member-to-Member over the lifetime of the membership. This is defined in the Program Sharing Limitations section.Ex. If you have an accident and expenses accumulate, the maximum amount of medical services eligible for sharing amongst the membership, is subject to the membership guidelines. To find your Lifetime Sharing Maximum, please click here.
MemberAny individual who qualifies for membership with Sharity Ministries. Ex. On your effective date, you become a member of Sharity Ministries and get to enjoy the privileges of membership. 
Member PortalThe online member tool where members can manage their contributions, payment methods, and other personal information. Ex. If you would like to update your payment method or personal information, please visit the Member Portal.
Member Shared Responsibility Amount (MSRA) The MSRA is the initial portion of each medical expense not shared with other members. A share request does not qualify for sharing until the total bill exceeds the individual’s MSRA.You are enrolled in Sharity Spectrum and have a MSRA of $3,000. You go to the Emergency Room and have to pay the entire cost of your visit, which is $7,000. You have to pay your full MSRA ($3,000) before any medical services are eligible for sharing within the membership community. Because the cost of the visit is greater than your MSRA, you will have to pay $3,000 and then the remaining $4,000 will be submitted for sharing within the membership community. If you are at a Sharity Recognized Provider Group (MultiPlan PHCS), Member-to-Member Sharing = 100%. If you are at a Non-Recognized Provider Group, Member-to-Member Sharing = 60%.
Monthly ContributionsEvery month, members’ voluntary contributions are sent to Sharity Ministries, where they?re deposited into the members’ ShareBox accounts.Ex. As stated in the guidelines, your contribution is paid every month on your designated contribution date.
Non-Recognized Provider GroupProviders that do not offer negotiated rates to ministry members.Ex. If seeking service from a provider, please ensure the provider is recognized with our ministry program. If not, the member will be required to share in more of their own eligible health care expenses since the membership will be overly burdened due to non-reduced rates.
Primary MemberThis is the responsible party listed on the membership account. This individual is responsible for making monthly contributions as stated in the guidelines and managing their dependents. Ex. If you are the primary member on your Sharity account, you are responsible for your dependents and making the monthly membership contribution. 
Program YearThe member’s program year is the twelve-month span of time that starts on the member’s effective date. Ex. If your effective date is July 30, 2020, your program starts on this date and lasts for one year. 
ShareBoxThe membership account that Sharity utilizes to facilitate Member-to-Member sharing for its membership. Ex. When you submit a share request that meets the guidelines of the membership, payment may be remitted Member-to-Member via the ShareBox.
Share RequestShare requests are the mechanism in which members submit their medical services to be shared by the membership. Ex. To have eligible medical services shared by the membership, the member must submit their medical service costs in the form of a share request. 
Sharity Recognized Provider GroupThis group of providers offers negotiated rates to ministry members and offers sustainability to the membership. Ex. Before seeking service from a provider, please ensure the provider is recognized with our ministry program. 

9. Terminology Examples

9.A Example 1

Member Shared Responsibility Amount (MSRA)

A member goes to the emergency room within the Sharity Recognized Provider Group* (MultiPlan PHCS) and the cost of their visit is $11,000. The member meets their full Member Shared Responsibility Amount (MSRA) ($3,000) before any medical services are eligible for sharing within the membership community. Since the MSRA has been met, $9,000 is eligible for sharing within the membership community.

Visit CostRemaining MSRAAmount Eligible
for Sharing
Emergency Room$11,000$0$9,000

*If a member is receiving eligible medical services at a Sharity Recognized Provider Group (MultiPlan PHCS), Member-to-Member Sharing = 100%. If a member is receiving eligible medical services at a Non-Recognized Provider Group, Member-to-Member Sharing = 60%.

9.B Example 2

Yearly Membership Sharing Limit

A member goes to the emergency room and their visit costs $11,000. The member meets their full Member Shared Responsibility Amount (MSRA) ($3,000) before any medical services are eligible for sharing within the membership community. Since the MSRA has been met, $9,000 is eligible for sharing within the membership community.

The $9,000 that was shared within the membership community will be applied to the Yearly Membership Sharing Limit. The member will be able to share in an additional $291,000 worth of eligible medical services with the membership community before the Yearly Membership Sharing Limit will be met and sharing will stop.

*If a member is receiving eligible medical services at a Sharity Recognized Provider Group (MultiPlan PHCS), Member-to-Member Sharing = 100%. If a member is receiving eligible medical services at a Non-Recognized Provider Group, Member-to-Member Sharing = 60%.

9.C Example 3

Lifetime Membership Sharing Limit

A member goes to the emergency room and their visit costs $11,000. The member meets their full Member Shared Responsibility Amount (MSRA) ($3,000) before any medical services are eligible for sharing within the membership community. Since the MSRA has been met, $9,000 is eligible for sharing within the membership community.

The $6,000 that was shared within the membership community will be applied to the Lifetime Maximum Sharing Limit. The member will be able to share in an additional $591,000 worth of eligible medical services throughout the member’s lifetime with the membership community before the Lifetime Membership Sharing Limit will be met and sharing will stop; however, members’ medical services will still be eligible for network discounts and repriced services within the Sharity Recognized Provider Group (MultiPlan PHCS).

*If a member is receiving eligible medical services at a Sharity Recognized Provider Group (MultiPlan PHCS), Member-to-Member Sharing = 100%. If a member is receiving eligible medical services at a Non-Recognized Provider Group, Member-to-Member Sharing = 60%.

10. Disclosures

This organization facilitates the sharing of medical expenses but is NOT an insurance company, and neither its guidelines nor plan of operation is an insurance policy. You should review this organization’s guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial requests.

10.A Statement of Beliefs

To comport with federal law, the members of a health care sharing ministry must share a common set of religious beliefs. Sharity Ministries operates under the following Statement of Beliefs to which all members must attest.

  1. We believe the Bible alone is the inspired Word of God: therefore, it is the final and only source of absolute spiritual authority.
  2. We believe in the triune God of the Bible. He is one God who is revealed in three distinct Persons God, the Father; God, the Son; and God, the Holy Spirit.
  3. We believe Jesus Christ was God in the flesh fully God and fully man. He was born of a virgin, lived a sinless life, died on the cross to pay the penalty for our sins, was bodily resurrected on the third day, and now is seated in the heavens at the right hand of God, the Father.
  4. We believe that all people are born with a sinful nature and can be saved from eternal death only by grace alone, through faith alone, trusting only in Christ’s atoning death and resurrection to save us from our sins and give us eternal life.
  5. We believe in the bodily resurrection of all who have put their faith in Jesus Christ.
  6. All we believe and do is for the glory of God alone.

10.B Legal Notices

The following legal notices are required by state law and are intended to notify individuals that health care sharing ministry programs are not insurance and that Sharity Ministries does not provide any guarantee or promise of payment for any medical costs or expenses incurred by its members.

10.B.1 General Legal Notice 

Sharity Ministries facilitates the sharing of medical expenses but is not an insurance company, and neither its guidelines nor program of operation is an insurance policy. Sharing may be available for all eligible medical expenses; however, participation as a member of Sharity Ministries does not guarantee or promise that your medical bills will be paid or assigned to other members for payment. Whether any other member chooses to contribute, in whole or in part, to the payment of your medical bills is completely voluntary on the part of that member. As such, membership in Sharity Ministries should never be considered as a substitute for an insurance policy. Whether you or your provider(s) receive any payments for medical expenses and whether or not Sharity Ministries continues to operate, you are always liable for any unpaid medical bills. This health care sharing ministry is not regulated by state departments of insurance. You should review Sharity’s guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial requests.

 Sharity Ministries programs are not available in AK, CO, CT, HI, IA, MA, MD, ME, MT, ND, NH, NJ, NM, NY, OR, PA, PR, SD, TX, VA, VT, WA, WY or Washington, D.C. Limitation subject to change without prior notice. Due to regulatory limitations regarding compensation, Sharity Ministries programs will no longer be sold in Massachusetts or Pennsylvania.

10.B.2 State Specific Legal Notices

Alabama Code 22-6A-2, 22-6A-3

Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills. 

Alaska Statute 21.03.021(k) 

Notice: The organization coordinating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive a payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills. 

Arizona Statute 20-122 

Notice: The organization facilitating the sharing of medical expenses is not an insurance company and the ministry’s guidelines and plan of operation are not an insurance policy. Whether anyone chooses to assist you with your medical bills will be completely voluntary because participants are not compelled by law to contribute toward your medical bills. Therefore, participation in the ministry or a subscription to any of its documents should not be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this ministry continues to operate, you are always personally responsible for the payment of your own medical bills. 

Arkansas Code 23-60-104(2), 23-76-103(c)(1)

Notice: The organization facilitating the sharing of medical expenses is not an insurance company and neither its guidelines nor plan of operation is an insurance policy. If anyone chooses to assist you with your medical bills, it will be totally voluntary because participants are not compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive a payment for medical expenses or if this organization continues to operate, you are always personally responsible for the payment of your own medical bills. 

Georgia Code 33-1-20(a)(6)

Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills. 

Idaho Code 41-121(2)(f)

Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.

Illinois Statute 215 Ill. Comp. Stat. 5/4, Class 1(b)

Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation constitute or create an insurance policy. Any assistance you receive with your medical bills will be totally voluntary. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Whether or not you receive any payments for medical expenses and whether or not this organization continues to operate, you are always personally responsible for the payment of your own medical bills. 

Indiana Code 27-1-2.1-1, 27-1-2.1-2

Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Any assistance you receive with your medical bills will be totally voluntary. Neither the organization nor any other participant can be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Whether or not you receive any payments for medical expenses and whether or not this organization continues to operate, you are always personally responsible for the payment of your own medical bills. 

Kentucky Statute 304.1-120(7) 

NOTICE: UNDER KENTUCKY LAW, THE RELIGIOUS ORGANIZATION FACILITATING THE SHARING OF MEDICAL EXPENSES IS NOT AN INSURANCE COMPANY, AND ITS GUIDELINES, PLAN OF OPERATION, OR ANY OTHER DOCUMENT OF THE RELIGIOUS ORGANIZATION DO NOT CONSTITUTE OR CREATE AN INSURANCE POLICY. PARTICIPATION IN THE RELIGIOUS ORGANIZATION OR A SUBSCRIPTION TO ANY OF ITS DOCUMENTS SHALL NOT BE CONSIDERED INSURANCE. ANY ASSISTANCE YOU RECEIVE WITH YOUR MEDICAL BILLS WILL BE TOTALLY VOLUNTARY. NEITHER THE ORGANIZATION OR ANY PARTICIPANT SHALL BE COMPELLED BY LAW TO CONTRIBUTE TOWARD YOUR MEDICAL BILLS. WHETHER OR NOT YOU RECEIVE ANY PAYMENTS FOR MEDICAL EXPENSES, AND WHETHER OR NOT THIS ORGANIZATION CONTINUES TO OPERATE, YOU SHALL BE PERSONALLY RESPONSIBLE FOR THE PAYMENT OF YOUR MEDICAL BILLS. 

Louisiana Statute 22:318, 22:319

Notice: The ministry facilitating the sharing of medical expenses is not an insurance company. Neither the guidelines nor the plan of operation of the ministry constitutes an insurance policy. Financial assistance for the payment of medical expenses is strictly voluntary. Participation in the ministry or a subscription to any publication issued by the ministry shall not be considered as enrollment in any health insurance plan or as a waiver of your responsibility to pay your medical expenses. 

Maine Statute title 24-A, §704

Notice: The organization facilitating the sharing of medical expenses is not an insurance company and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills. 

Michigan Comp. Laws 550.1865, 550.1867

Notice: The eligible entity that operates this health care sharing ministry, Sharity Ministries, Inc., is not an insurance company and the financial assistance provided through the ministry is not insurance and is not provided through an insurance company. Whether any participant in the ministry chooses to assist another participant who has financial or medical needs is totally voluntary. A participant will not be compelled by law to contribute toward the financial or medical needs of another participant. This document is not a contract of insurance or a promise to pay for the financial or medical needs of a participant by the ministry. A participant who receives assistance from the ministry for his or her financial or medical needs remains personally responsible for the payment of all of his or her medical bills and other obligations incurred in meeting his or her financial or medical needs. 

Mississippi Code 83-77-1

Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor 

plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment of medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills. 

Missouri Statute 376.1750

Notice: This publication is not an insurance company nor is it offered through an insurance company. Whether anyone chooses to assist you with your medical bills will be totally voluntary, as no other subscriber or member will be compelled to contribute toward your medical bills. As such, this publication should never be considered to be insurance. Whether you receive any payments for medical expenses and whether or not this publication continues to operate, you are always personally responsible for the payment of your own medical bills. 

Nebraska Statute 44-311

IMPORTANT NOTICE: This organization is not an insurance company, and its product should never be considered insurance. If you join this organization instead of purchasing health insurance, you will be considered uninsured. By the terms of this agreement, whether anyone chooses to assist you with your medical bills as a participant of this organization will be totally voluntary, and neither the organization nor any participant can be compelled by law to contribute toward your medical bills. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills. This organization is not regulated by the Nebraska Department of Insurance. You should review this organization’s guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs.

New Hampshire Statute 126-V:1 

IMPORTANT NOTICE: This organization is not an insurance company, and its product should never be considered insurance. If you join this organization instead of purchasing health insurance, you will be considered uninsured. By the terms of this agreement, whether anyone chooses to assist you with your medical bills as a participant of this organization will be totally voluntary, and neither the organization nor any participant can be compelled by law to contribute toward your medical bills. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills. This organization is not regulated by the New Hampshire Insurance Department. You should review this organization’s guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs. 

North Carolina Statute 58-49-12 

Notice: The organization facilitating the sharing of medical expenses is not an insurance company and neither its guidelines nor its plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be voluntary. No other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally liable for the payment of your own medical bills.

South Dakota Codified Laws 58-1-3.3

Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills. 

Texas Ins. Code 1681.001, 1681.002, and 1681.003

Notice: This health care sharing ministry facilitates the sharing of medical expenses and is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the ministry or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this ministry continues to operate, you are always personally responsible for the payment of your own medical bills. Complaints concerning this health care sharing ministry may be reported to the office of the Texas attorney general. 

Virginia Code 38.2-6300, 38.2-6301

Notice: This publication is not insurance, and is not offered through an insurance company. Whether anyone chooses to assist you with your medical bills will be totally voluntary, as no other member will be compelled by law to contribute toward your medical bills. As such, this publication should never be considered to be insurance. Whether you receive any payments for medical expenses and whether or not this publication continues to operate, you are always personally responsible for the payment of your own medical bills. 

Wisconsin Statute 600.01(1)(b)(9) 

ATTENTION: This publication is not issued by an insurance company, nor is it offered through an insurance company. This publication does not guarantee or promise that your medical bills will be published or assigned to others for payment. Whether anyone chooses to pay your medical bills is entirely voluntary. This publication should never be considered a substitute for an insurance policy. Whether or not you receive any payments for medical expenses, and whether or not this publication continues to operate, you are responsible for the payment of your own medical bills. 

Wyoming Statute 26-1-104

Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Any assistance with your medical bills is completely voluntary. No other participant is compelled by law or otherwise to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents shall not be considered to be health insurance and is not subject to the regulatory requirements or consumer protections of the Wyoming insurance code. You are personally responsible for payment of your medical bills regardless of any financial sharing you may receive from the organization for medical expenses. You are also responsible for payment of your medical bills if the organization ceases to exist or ceases to facilitate the sharing of medical expenses.

Sharity Ministries, Inc., is NOT an insurance company, does NOT engage in the business of insurance, and does NOT offer any insurance products.

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