PROGRAM, NOT INSURANCE. I acknowledge that I am enrolling in America’s HealthShare a healthcare sharing ministry of Melita Sharing Ministry that is voluntary and cooperative and not insurance. I have read and understand any disclaimer to this effect and understand that there are no representations, promises or guarantees that my medical expenses will be paid. I also understand that any funds that I may receive for medical expenses do not come from an insurance plan but are voluntary donations by the members.
SIXTY-DAY WAIT. I acknowledge that for sixty (60) days after enrollment and acceptance as a Sharing Member, medical expenses for any reason, other than accident, emergencies, and acute illness, are not eligible for sharing among members.
CHANGES TO SHARING GUIDELINES. I acknowledge that amendments to the Guidelines will take effect as soon as is administratively practical or as designated by the Board of Directors. Dates of Service of medical expenses submitted for sharing will be subject to the edition of the Guidelines in effect when recorded as received by America’s HealthShare and supersedes all other editions of the Guidelines and any other communications, written or verbal.
CALCULATIONS OF SUGGESTED MONTHLY CONTRIBUTION. acknowledge that the suggested Monthly Contribution is calculated on the total number of healthcare sharing ministry members, the amount of medical expenses submitted for sharing, and the administrative cost of operating the healthcare sharing ministry program. I further acknowledge that the suggested Monthly Contribution is calculated on a periodic basis as needed and is subject to change. I understand that the donation of the Suggested Monthly Share Amount is voluntary and that I am not obligated to send any money.
ACCOUNT FEE. America’s HealthShare account service fee is for the costs of processing the Monthly Contribution and can be discounted if the member uses Automated Clearing House (ACH) for the Monthly Contribution.
OPTIONAL COMMUNICATION BETWEEN MEMBERS. I acknowledge that America’s HealthShare’s cost sharing technology also enables members to send one another notes of encouragement or prayer and, upon activation, that each member can choose how to be identified in this system or to remain anonymous.
APPLICATION ACCEPTANCE. I acknowledge that America’s HealthShare, pursuant to the Sharing Guidelines, has the discretion to accept, reject, or modify my membership. I will not assume that my application has been accepted until I have received a written confirmation from America’s HealthShare.
MEDICAL HISTORY QUESTIONNAIRE. I acknowledge that I will submit a full and complete Medical History Questionnaire (MHQ) for all individuals on this application upon becoming a member of America’s HealthShare.
I understand that the America’s HealthShare team will review the MHQ for each individual and will contact me with any questions or requests for clarification.
I acknowledge that eligibility for sharing is based on the information provided in the MHQ, and that any medical conditions not disclosed may be ineligible for sharing. If the MHQ is not submitted or is incomplete, any related conditions may also be considered ineligible for sharing.
I understand that pre-existing conditions are evaluated according to the categories outlined in the America’s HealthShare Sharing Guidelines.
I also acknowledge that I had the opportunity to request, complete, and submit a MHQ prior to becoming a member in order to understand which pre-existing conditions may or may not be eligible for sharing.
ACCEPTANCE OF GUIDELINES. I have read and understand the Sharing Guidelines and accept them as the guiding document for all interactions among members and for determining the eligibility of medical expenses that I may submit for sharing. If a difference of opinion should arise as to the use, application or interpretation of those Sharing Guidelines, I will follow the appeal process outlined in the Sharing Guidelines for the resolution of any or all disputes. I acknowledge that I will treat all America’s HealthShare employees and representatives with mutual kindness and respect as taught by the Gospel of John 13:34 "I give you a new commandment: love one another. As I have loved you, so you also should love one another."
PAYMENT OF MEDICAL NEEDS. I acknowledge that any medical need shared will be used for the sole purpose for which it was shared.