How Health Care Sharing Works

The Five-Step Process

From your first contribution to your need being shared — here’s how it works.

1

You Make Monthly Contributions

Each month, you contribute a voluntary amount based on your program level. This goes into the sharing pool.

2

You Receive Medical Care

Visit any licensed provider. There is no restricted network. Negotiate cash-pay rates when possible.

3

You Submit Your Need

Submit your medical bill within 90 days of service with the required documentation. We acknowledge receipt within 5 business days.

4

We Review & Share

We review your submission against the Sharing Guidelines and make a determination within 60 days of receiving all documentation.

5

Your Need Is Shared

Eligible amounts are shared from the contributions of fellow Members, less your Member Responsibility Amount (MRA).

“And let us consider how to stir up one another to love and good works.” — Hebrews 10:24

What’s Included in Your Membership

Every program tier includes these benefits at no additional cost.

✓

Dedicated Support Reach our team by email for any question or need

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Prayer Support Confidential prayer requests from our community

✓

Provider Freedom See any doctor or hospital — no network restrictions

✓

Pre-existing Conditions Eligible for sharing after 12 months of membership

✓

Maternity Sharing Eligible after 12 months of continuous membership

✓

Prescription Sharing Eligible prescriptions shared up to $5,000 per incident

Provider Freedom

See any licensed provider. No restricted network. No referrals needed.

Members may seek care from any licensed medical provider. The Ministry does not maintain a restricted provider network. Members are encouraged to negotiate cash-pay rates with providers when possible.

All providers must be properly licensed in the jurisdiction where services are rendered. Services from unlicensed providers are not eligible for sharing.

Members are strongly encouraged to use facilities and providers that offer transparent pricing. The Ministry may provide guidance on cost-effective providers upon request.

In cases where a Member has existing health coverage (e.g., Medicare, employer plans), the Ministry shall share only the remaining balance after such coverage has been applied.

Telemedicine and virtual care services from licensed providers are eligible for sharing on the same basis as in-person visits.

How to Submit a Medical Need

Submitting a medical need for sharing is a straightforward process.

Receive medical care from any licensed provider. You are free to choose your own doctors, hospitals, and facilities.
Request an itemized bill from your provider. Ensure it includes diagnosis codes and a description of services rendered.
Log in to your Member Portal at anglicancare.org and go to the Medical Needs / Claims tab.
Submit your need within 90 days of the date of service. Complete the online claim form and upload the itemized bill and any Explanation of Benefits from other coverage.
We acknowledge receipt within 5 business days and make a determination within 60 days of receiving all documentation.

Submit your medical needs via:

Online (Preferred): Log in to your Member Portal and submit your claim directly under the Medical Needs / Claims tab.
Email: needs@anglicancare.org for questions or assistance
Mail: Anglican Care, Attn: Medical Need Processing

If your need is approved, sharing will be coordinated according to your program level and the Sharing Guidelines. If your need is denied, you will receive a written explanation and may appeal the decision.

Eligible Medical Needs

The following medical needs are generally eligible for sharing, subject to the terms of our Sharing Guidelines.

Generally Eligible

✓ Inpatient and outpatient hospital services
✓ Surgical procedures, including surgeon and anesthesiologist fees
✓ Emergency room visits and urgent care services
✓ Physician office visits for illness or injury
✓ Diagnostic imaging: X-rays, CT scans, MRI, ultrasound, nuclear imaging
✓ Laboratory and pathology testing
✓ Prescription medications (see Sharing Guidelines)
✓ Maternity and newborn care
✓ Mental and behavioral health services
✓ Physical, occupational, and speech therapy (up to 30 visits/year)
✓ Durable medical equipment and prosthetics
✓ Ambulance and emergency medical transport
✓ Hospice and palliative care services
✓ Chemotherapy, radiation, and other cancer treatments
✓ Inpatient rehabilitation services

Generally Not Eligible

✗ Elective cosmetic or reconstructive procedures
✗ Abortions, except to save the life of the mother
✗ Fertility treatments, IVF, artificial insemination, or surrogacy
✗ Gender reassignment surgery or related treatments
✗ Experimental or investigational treatments
✗ Self-inflicted injuries or attempted suicide
✗ Injuries from illegal activity
✗ Injuries while under the influence of alcohol or illicit drugs
✗ Substance abuse treatment beyond 30 days inpatient/year
✗ Routine dental, vision, or hearing care
✗ Over-the-counter medications, vitamins, supplements
✗ Weight loss surgery unless medically necessary with prior authorization
✗ Services covered by another source (Medicare, Medicaid, employer plans)
✗ Non-medical expenses: transportation, lodging, meals, childcare

This list is not exhaustive. The Ministry retains discretion to determine eligibility in accordance with the Sharing Guidelines.

Anglican Care is available in 24 states we serve across the United States. To enroll, you must be a resident of one of these states. See which states we serve →