Michael Berube

PHCS Specific Services

Covenant Healthshare - Core $2000
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Covenant HealthShare Program Disclosures

**THIS IS NOT A CONTRACT OR AN INSURANCE PRODUCT**

INTRODUCTION

Covenant HealthShare is a voluntary program offered by Covenant HealthShare, Inc. (Covenant HealthShare), a national, nonprofit 501(c)(3) health care sharing ministry (HCSM). A HCSM is a group of individuals who share a common set of ethical or religious beliefs and voluntarily choose to share in the payment of their medical expenses in accordance with those beliefs, without regard to the state in which a member resides or is employed. The Covenant HealthShare HCSM provides Christians the opportunity to share in each other’s medical needs through a faith-centered healthcare program. Membership in Covenant HealthShare cannot be transferred to anyone other than the registered member and his/her registered dependents (as defined in the member guidelines for the membership level in which the member is registered (Guidelines)).

Health care sharing services are grounded in the faith-based traditions of mutual aid, neighborly assistance, and burden sharing. Covenant HealthShare is specifically tailored for individuals who maintain a healthy lifestyle, make responsible choices regarding health and medical care, and believe in helping others. Covenant HealthShare is not insurance: it is a faith-centered, voluntary commitment to share medical needs among fellow Christians. Its members share common Christian beliefs and make a covenant with one another to live out these beliefs responsibly. To join the ministry, members must acknowledge and attest to a statement of faith affirming their adherence to the Christian beliefs of the collective membership. Due to the faith-centered practices and voluntary nature of the HCSM program, Covenant HealthShare is not insurance and is recognized by law as a nonprofit ministry. Covenant HealthShare is NOT insurance and provides no guarantee of payment for any medical costs or expenses incurred by its members.

All Covenant HealthShare members are required to acknowledge the Covenant HealthShare Statement of Faith and attest that they are of like mind with those beliefs.

STATEMENT OF FAITH

Because Covenant HealthShare is a faith-based organization, members are required to acknowledge and agree with Covenant HealthShare’s Statement of Faith in order to join the membership community:

We believe that Jesus Christ is the Son of God and our Lord and Savior;
We believe that our personal rights and liberties originate from our Lord, Jesus Christ;
We believe the Bible to be the inspired and only infallible written Word of God;
We believe every individual has a fundamental religious right to worship God in his or her own way;
We believe it is our moral and ethical obligation to assist our fellow man when s/he is in need according to our available resources and opportunity;
We believe it is our spiritual duty to God and our ethical duty to others to maintain a healthy lifestyle and avoid foods, behaviors, and habits that result in sickness or disease to ourselves or others; and
We believe it is our fundamental right of conscience to direct our own healthcare, in consultation with physicians, family, or other valued and trusted advisors.

DISCLAIMER - NO PROMISE TO PAY

Covenant HealthShare is a faith-based organization and HCSM, not an insurance company, and does not offer any insurance products or policies. As such, Covenant HealthShare does not assume any risk for medical expenses and makes no guarantee or promise to pay. Covenant HealthShare offers voluntary participation in its HCSM program, which is not governed by insurance laws.

Covenant HealthShare does not provide a promise to pay or any guarantee of payment for medical expenses for any member. Because Covenant HealthShare does not assume any member’s risks, each member is responsible for payment of his/her medical bills. Covenant HealthShare does not guarantee that medical expenses will be shared by other members who utilize the health care sharing services provided by Covenant HealthShare.

VOLUNTARY PARTICIPATION

Covenant HealthShare members are voluntary participants in a HCSM program. Registration, membership and participation in the Covenant HealthShare program, such as the sharing of monthly member gifts, is voluntary. Membership registration with Covenant HealthShare is not a contract. We do not assess potential members’ health risks, because neither Covenant HealthShare nor the members are assuming financial liability for any other members’ risk. There is no designated window of time to join Covenant HealthShare; members can register anytime. Because we do not provide insurance, there is no “term” to membership with the Covenant HealthShare community. Membership continues as long as the member meets the Guidelines for his/her registered membership level in the Covenant HealthShare program. Members are free to withdraw their participation in Covenant HealthShare at any time. As a part of voluntary participation in the HCSM, Covenant HealthShare requests a "monthly member gift" amount to be contributed by each member in order to facilitate the sharing of eligible healthcare needs amongst the Covenant HealthShare membership community.

GUIDELINES

Covenant HealthShare manages “monthly member gifts” through established Guidelines that generally define the sharing of eligible expenses between members of Covenant HealthShare. In addition, the Guidelines more specifically define the sharing of medical expenses between members of the Covenant HealthShare program at each membership level. The Guidelines are not a contract and do not constitute an agreement, a promise to pay, or an obligation by or for Covenant HealthShare or its members to share in the health care burdens of others within and outside of the membership community.

The Guidelines are intended to ensure that every member has paid his/her own medical expenses as they are financially able before requesting that other members share in the cost of remaining eligible medical expenses. The Guidelines generally define when a member is eligible for member-to-member sharing, when a member need is eligible, and detail the types of expenses that may be eligible for member-to-member sharing per each Covenant HealthShare membership level, including specific limitations, exclusions, and/or requirements for sharing eligibility, so all members can expect a reasonable and equitable level of sharing. The total amount of sharing in eligible medical needs facilitated by the members of the community will be published monthly in a newsletter sent to all members.

Covenant HealthShare’s membership community understands that some of its members may have experienced certain illnesses and life events that may still require medical care, but in order for the program to be sustainable and not overburdened, certain Covenant HealthShare membership levels may exclude or have sharing limitations related to conditions existing prior to membership. Members are required to fully disclose conditions existing prior to membership as part of their registration with Covenant HealthShare. Covenant HealthShare reserves the right, on behalf its members, to limit, condition, or exclude from, sharing eligibility any condition existing prior to membership, whether disclosed at the time of registration or discovered after the effective date of membership. Furthermore, a member is not eligible for member-to-member sharing of his/her medical need when such member: (i) receives care within the first sixty (60) days following the effective date of their membership and cancels their membership within thirty (30) days of receiving such medical care, (ii) cancels their membership within thirty (30) days of receiving medical care, except within the last ninety (90) days of their membership term, or (iii) receives elective surgery within the first sixty (60) days of becoming a member, except in the case of an accident.

Covenant HealthShare reserves the right to update and/or make any other changes to the Guidelines at any time on behalf of its members. Amendments to the Guidelines will go into effect as soon as administratively practical or as designated by the Covenant HealthShare Board of Directors. The Guidelines in effect at the time of service will supersede all previous versions of the Guidelines. If you have a need which began before the change was adopted, the sharing of burdens related to that need will be determined by the Guidelines as they existed on the date the burdens were incurred. However, burdens related to a member’s need that would have been shareable under the Guidelines in effect when a need began, will remain shareable regardless of subsequent changes to the Guidelines (subject to applicable deadlines and limitations on submission of needs share requests). For instance, if a member used services for a need in August and the Guidelines were updated in September, Covenant will honor the Guidelines that were existing at the time of service in August. Members will be notified of updates to the Guidelines by Covenant HealthShare.

MEDICAL NEEDS AND USE OF FUNDS

After receiving a needs sharing request for an eligible medical need from a member or a member’s provider, Covenant HealthShare will assign the expense(s) for sharing amongst the members, less the amount of the requesting member’s required personal responsibility, called the Personal Responsibility Amount Yearly (PRAY).

Voluntary “monthly membership gifts” are contributed each month by all Covenant HealthShare members. Up to thirty percent (30%) of any and all membership contributions received by Covenant HealthShare may be applied toward administration of the Covenant HealthShare HCSM program, including general overhead costs (excluding marketing costs to grow the membership) and/or donated to other 501(c)(3) charitable organizations in furtherance of Covenant HealthShare’s charitable purposes and mission. Administrative costs are subject to change by Covenant HealthShare.

HCSM TAX MATTERS

Members should always consult with a tax professional to determine whether participation in a HCSM, including Covenant HealthShare, may have tax implications.

SPECIFIC PROGRAM DISCLOSURES

Please refer to Covenant HealthShare Membership Guidelines for specific details about voluntary contributions, healthcare expenses eligible for sharing, and the limitations, exclusions, and/or other requirements on sharing eligibility under the specific membership level of the Covenant HealthShare HCSM program in which you are registered. Membership guidelines are not available until a member's active date and can be found in the Member Aid System (MAS).

AUTHORIZATIONS

• I hereby authorize Covenant HealthShare to collect the monthly member gift amount from me as a recurring monthly transaction.
• I hereby further authorize Covenant HealthShare and its affiliates to process payment of my initial monthly member gift amount and my one-time ministry fee immediately upon completion of my registration with Covenant HealthShare.
• I hereby authorize Covenant HealthShare and its affiliates to contact healthcare providers to request the release of my medical records in order to facilitate the payment of medical expenses on my behalf as a part of my membership in the Covenant HealthShare HCSM.

ACKNOWLEDGMENT

• I acknowledge that the ministry fee and initial monthly member gift amount will not be refunded if all individuals on my registration form fail to attest to the Covenant HealthShare Statement of Faith.
• I further acknowledge that only the initial monthly member gift amount, and not the ministry fee, will be refunded to me if I withdraw my registration prior to the effective date of my membership.
• I acknowledge that neither the Covenant HealthShare registration fee or initial monthly member gift amount will not be refunded to me if, in the course of registering, I fail to respond to written or verbal inquiries from Covenant HealthShare for more than sixty (60) days.
• I further acknowledge that by submitting my registration information to Covenant HealthShare, I am voluntarily requesting participation in my selected membership level within the Covenant HealthShare HCSM program.
• I acknowledge and affirm that the name and personal information I provided on my registration form(s) are true and correct.
• I acknowledge and agree that Covenant HealthShare and its affiliates have the authority to request my medical records from providers to facilitate the payment of medical expenses under the Covenant HealthShare membership level in which I am registered as a part of my membership in this HCSM.
• I acknowledge and affirm that I understand and accept the disclosures presented in this document.

REFUND POLICY

Effective Date (as last modified): March 22, 2021

POLICY STATEMENT
It is the policy of Covenant HealthShare, Inc. (Covenant) to provide refunds to registered members of its health care sharing ministry program in certain limited circumstances. The terms and conditions applicable to such refunds are set forth in this Member Refund Policy (Policy).

PROCEDURE
A. Contact Covenant Member Care

(1) For assistance with questions on refunds and requests for other information related to this Policy, Covenant members should contact a Covenant Member Care Specialist by:

(a) telephone, at 855.539.1552, available Monday – Friday from 8:00 AM to 6:00 PM EST; or
(b) email, to MemberCare@CovenantShare.org, available seven days a week, 24 hours a day.

B. Definitions

(1) Effective Date (of membership) – The date that the member becomes active in the Covenant health care sharing ministry program under such member’s current registered membership level. The effective date of membership is determined at the time of membership registration.
(2) Monthly Member Gift (MMG) – A voluntary contribution made each month by Covenant members in order to facilitate member–to–member sharing of eligible healthcare needs within the Covenant membership community and the administrative costs of Covenant’s health care sharing ministry program.
(3) MMG Contribution Date – The date designated by the member on which the member’s recurring voluntary MMG contribution is made to Covenant each month.

Additional definitions and information can be found in the Covenant membership guidelines for your registered membership level.

C. Refund Eligibility

(1) Initial MMG Contribution. You are entitled to a refund equal to the amount of your initial voluntary MMG contribution, less applicable processing fees, if you:

(a) withdraw your registration for membership with Covenant at any time prior to the Effective Date of your membership; or
(b) cancel your membership with Covenant no more than ten (10) days after the Effective Date of your membership.

(2) Most Recent MMG Contribution. You are entitled to a refund equal to the amount of your most recent voluntary MMG contribution, less applicable processing fees if you cancel your membership with Covenant no more than ten (10) days after your scheduled MMG Contribution Date at any time during the course of your membership with Covenant.

(3) Amounts Ineligible for Refund. You are not entitled to, or otherwise eligible for, a refund of any voluntary MMG amount(s) contributed to Covenant at any time before or after the Effective Date of your membership if:

(a) one or more individuals included in your registration for membership with Covenant fails to complete the required acknowledgement of, and attestation to adhere to, Covenant’s Statement of Faith;
(b) during the membership registration process you fail to respond to written or verbal inquiries from Covenant for more than sixty (60) days; and/or
(c) you cancel your membership with Covenant more than ten (10) days after your scheduled MMG Contribution Date for the month in which you submit your cancellation request.

(4) No refunds will be given under any circumstances for:

(a) the one–time charitable donation made at the time of registration of your Covenant membership;
(b) processing and other similar transaction fees related to amounts contributed to Covenant; and
(c) any amounts voluntarily contributed to Covenant or directly to another member (in response to a Share Request and/or Exceptional Grace Request) in excess of your recurring voluntary MMG contribution.

D. Additional Refund Terms

(1) ALL REFUNDS ARE SUBJECT TO REVIEW AND FINAL APPROVAL BY COVENANT.

(2) If your refund request meets the eligibility criteria set forth in this Policy and your recurring voluntary MMG contributions are made:

(a) by credit card, then your refund, less applicable processing fees, will be issued to you as ‘credit’ back to the same credit card or account used for your recurring voluntary MMG contributions; or
(b) by ACH, then your refund, less applicable processing fees, will be issued to you in the form of a check and may be subject to a processing delay of up to thirty (30) business days.

STATE LEGAL NOTICES

LEGAL NOTICES

The following legal notices are required by state law and are intended to notify individuals that HCSM programs are not insurance, and that Covenant HealthShare does not provide any guarantee or promise to pay any medical costs or expenses incurred by its members.

GENERAL LEGAL NOTICE

Covenant HealthShare facilitates the sharing of medical expenses among its members, but is not an insurance company, and neither its Guidelines nor program of operation is an insurance policy. Sharing is available among members for all eligible medical expenses; however, participation as a member of Covenant HealthShare 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 Covenant HealthShare 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 Covenant HealthShare continues to operate, you are always liable for any unpaid medical bills. This HCSM is not regulated by state departments of insurance. You should review Covenant HealthShare’s Guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs.

STATE SPECIFIC 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 program 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 program 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 program 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.

Florida Statute 624.1265

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. Membership is not offered through an insurance company, and the organization is not subject to the regulatory requirements or consumer protections of the Florida Insurance Code. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant is 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.

Georgia Code 33-1-20

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

Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor program 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 III. 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 program 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 program 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, PROGRAM 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 NOR 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 program 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 registration in any health insurance program 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 program 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, Covenant HealthShare, 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 program 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 program 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 program 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 program 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.

Covenant HealthShare, Inc. is NOT insurance. Covenant HealthShare, Inc. is not restricted from operating in any of the 50 United States, U.S. territories, or any foreign country, and has no legal barriers of which we are aware; however, we do not market membership in AK, CO, MA, MD, PA, and WA. Limitation subject to change without prior notice.

Covenant HealthShare, Inc. (“Covenant HealthShare”) operates its health care sharing ministry as a successor-in-interest to the historical medical benevolent giving program established by its predecessor, a nonprofit 501(c)(3) ministry, that has been making regular benevolent distributions to members of its congregation and the communities it serves to assist such individuals with medical and other healthcare costs and expenses since 1991 (the “Program”). As its successor, Covenant HealthShare has formalized the Program and expanded the charitable and benevolent reach of the Program beyond its predecessor’s ministry to support all persons nationwide who have accepted Jesus Christ as their Savior, and subscribe and commit to live in accordance with the teachings of the Bible and their faith in God.

© 2021 Covenant HealthShare, Inc. All rights reserved.

 • Michael Berube  • Phone: (330) 437-9024  • Berube@enrollpad.com

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