Member Handbook

“Bear one another’s burdens, and so fulfill the law of Christ.” — Galatians 6:2

anglicancare.org

A faith-based community sharing medical needs together

THIS HANDBOOK BELONGS TO

Member Name:
Membership ID:
Program Level:
Enrollment Date:
Monthly Contribution:
Broker / Referral:

“Therefore encourage one another and build one another up, just as you are doing.” — 1 Thessalonians 5:11

WELCOME TO ANGLICAN CARE

A Letter from the Ministry

Dear Member,

Welcome to the Anglican Care family. We are honored that you have chosen to join our community of believers who have committed to bearing one another’s burdens in accordance with the teachings of Scripture.

Anglican Care was founded on a simple but powerful idea: that when people of faith come together and voluntarily share their resources, they can accomplish far more together than anyone could alone. By becoming a Member, you have joined a community that cares for one another not out of obligation, but out of love and shared conviction.

This Member Handbook is your guide to understanding how our sharing ministry works. Inside, you will find information about your membership, how to submit medical needs for sharing, your responsibilities as a Member, and the many resources available to you. We encourage you to read it carefully and keep it handy for reference.

If you ever have questions, our team is here to help. Do not hesitate to reach out to us at any time. We are privileged to serve you and to walk alongside you and your family in this journey of faith and sharing.

In Christ,

The Anglican Care Team

anglicancare.org

“Let each of you look not only to his own interests, but also to the interests of others.” — Philippians 2:4

TABLE OF CONTENTS

1. About Anglican Care	5
2. Our Statement of Faith	5
3. How Health Care Sharing Works	6
4. Your Membership Program	7
5. Monthly Contributions & Payment	7
6. How to Submit a Medical Need	8
7. Member Responsibilities	9
8. Code of Conduct	9
9. Key Contacts & Resources	10
10. Frequently Asked Questions	11
11. Notes	12

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

1. ABOUT ANGLICAN CARE

Anglican Care is a 501(c)(3) nonprofit religious organization that facilitates the voluntary sharing of medical needs among Members who share common ethical and religious beliefs. We are a Health Care Sharing Ministry, not an insurance company. We do not issue policies, collect premiums, or guarantee payment of any medical expense.

Our mission is to provide a faith-based alternative to traditional health insurance by creating a community where Members support one another through voluntary monthly contributions and the sharing of medical needs. Every contribution goes directly toward helping fellow Members in their time of need.

Our Core Values:

• Faith: We are guided by biblical principles and the example of Christ in all we do.
• Community: We are a family of believers committed to bearing one another’s burdens.
• Integrity: We operate with transparency, honesty, and stewardship of every contribution.
• Compassion: We serve Members with care, dignity, and respect in every interaction.

2. OUR STATEMENT OF FAITH

Members of Anglican Care affirm the following beliefs:

1. There is one God, eternally existing in three persons: Father, Son, and Holy Spirit.

2. Jesus Christ is the Son of God, born of a virgin, who lived a sinless life, died for our sins, and was raised from the dead.

3. The Bible is the inspired and authoritative Word of God.

4. Salvation is by grace through faith in Jesus Christ alone.

5. We are called to bear one another’s burdens in accordance with Galatians 6:2.

6. We are called to live a lifestyle consistent with biblical teachings.

3. HOW HEALTH CARE SHARING WORKS

Health care sharing is simple in concept but profound in practice. Members make voluntary monthly contributions to the Ministry. When a Member has a medical need, they submit it for sharing. If the need meets the eligibility criteria in our Sharing Guidelines, the Ministry coordinates the sharing of that need using the contributions of fellow Members.

Step 1: You Make Monthly Contributions — Each month, you contribute a voluntary amount based on your program level. This goes into the sharing pool.

Step 2: You Receive Medical Care — Visit any licensed provider. There is no restricted network. Negotiate cash-pay rates when possible.

Step 3: You Submit Your Need — Submit your medical bill within 90 days with the required documentation. We acknowledge receipt within 5 business days.

Step 4: We Review & Share — We review your submission against the Sharing Guidelines and share eligible needs within 60 days.

Step 5: Your Need Is Shared — Eligible amounts are shared from the contributions of fellow Members, less your co-share.

Important Notice: Anglican Care is not insurance. Sharing is voluntary and not guaranteed. Members are responsible for their own medical bills regardless of sharing decisions.

4. YOUR MEMBERSHIP PROGRAM

Anglican Care offers four program levels to meet the needs of individuals and families at every stage of life. Each program has different co-share amounts and sharing limits. Your program level is listed on the inside cover of this handbook.

Program	Best For	Co-Share	Per-Need Limit
Foundational	Young adults, singles	$1,500	$100,000
Essential	Families, middle income	$1,000	$250,000
Complete	Comprehensive needs	$500	$500,000
Senior Care	Seniors 65+	$1,000	$100,000

Catastrophic Add-On available with any program: $2,500 co-share after primary, up to $1,000,000 per need.

5. MONTHLY CONTRIBUTIONS & PAYMENT

Your Monthly Contribution is the voluntary amount you contribute each month to participate in the sharing community. Contributions are due on the 1st of each month and are considered late after the 15th. A grace period extends to the end of the month.

Accepted payment methods:

• Automatic bank withdrawal (ACH) — recurring monthly, set up during enrollment
• Credit or debit card — recurring monthly
• Check by mail — must be received by the 1st of each month

If your Monthly Contribution is more than 60 days overdue, your membership may be subject to termination. Please contact us immediately if you experience financial hardship — we are here to work with you.

6. HOW TO SUBMIT A MEDICAL NEED

Submitting a medical need for sharing is a straightforward process. Follow these steps to ensure your submission is processed as quickly as possible:

1. Receive medical care from any licensed provider. You are free to choose your own doctors, hospitals, and facilities.

2. Request an itemized bill from your provider. Ensure it includes diagnosis codes and a description of services rendered.

3. Complete a Medical Need Form (available at anglicancare.org or by request). Sign and date the form.

4. Submit your need within 90 days of the date of service. Include: the Medical Need Form, the itemized bill, and any Explanation of Benefits from other coverage.

5. We acknowledge receipt within 5 business days and make a determination within 60 days of receiving all documentation.

Submit your medical needs via: • Online: anglicancare.org/member portal/submit-a-need • Email: needs@anglicancare.org • Mail: Anglican Care, Attn: Medical Need Processing, [Ministry Address]

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. See the Sharing Guidelines for the full appeals process.

7. MEMBER RESPONSIBILITIES

As a Member of Anglican Care, you agree to:

• Provide accurate and truthful information on all forms and submissions.
• Make your Monthly Contribution on or before the due date each month.
• Notify the Ministry within 30 days of any change in address, phone, email, or household composition.
• Use medical providers and services wisely and cost-effectively.
• Submit medical needs promptly with all required documentation.
• Treat Ministry staff, providers, and fellow Members with respect and Christian courtesy.
• Maintain a lifestyle consistent with the Statement of Faith.
• Never represent Anglican Care as an insurance product or imply guaranteed coverage.

8. CODE OF CONDUCT

Members of Anglican Care are part of a faith-based community. We ask all Members to conduct themselves in a manner that reflects our shared values:

• Honesty: All submissions, communications, and representations to the Ministry must be truthful and accurate.
• Respect: Members shall treat all Ministry staff, volunteers, providers, and fellow Members with dignity and Christian courtesy.
• Stewardship: Members are encouraged to use medical services wisely, recognizing that all contributions come from fellow Members.
• Confidentiality: Members shall respect the privacy of fellow Members and shall not disclose any information about other Members’ medical needs.

9. KEY CONTACTS & RESOURCES

We are here to serve you. Below are the key contacts and resources available to you as a Member:

General Inquiries	info@anglicancare.org	anglicancare.org
Medical Need Submissions	needs@anglicancare.org	Submit via member portal or email
Member Services	members@anglicancare.org	Questions about your membership
Billing & Contributions	billing@anglicancare.org	Payment changes, ACH updates
Broker Support	brokers@anglicancare.org	For your referring broker

Online Resources:

• Member Portal: anglicancare.org/member — Submit needs, update info, track submissions
• Sharing Guidelines: Available in your member portal or by request
• Medical Need Form: Download from anglicancare.org/forms
• Membership Agreement: Available in your member portal
• Provider Network Search: anglicancare.org/providers — Find cost-effective providers
• FAQ: anglicancare.org/faq — Answers to common questions

Member Services Hours: Monday – Friday, 9:00 AM – 5:00 PM Eastern Time After-hours support available via the member portal

10. FREQUENTLY ASKED QUESTIONS

Q: Is Anglican Care insurance?

A: No. Anglican Care is a Health Care Sharing Ministry, not an insurance company. We do not issue policies, collect premiums, or guarantee payment. Members voluntarily share medical needs through monthly contributions.

Q: Can I use any doctor?

A: Yes. You may seek care from any licensed medical provider. There is no restricted network. We encourage you to negotiate cash-pay rates when possible.

Q: What if I have a pre-existing condition?

A: Pre-existing conditions are eligible for sharing after 12 months of continuous membership in good standing. See the Sharing Guidelines for full details.

Q: How long does it take to process a medical need?

A: We acknowledge receipt within 5 business days and make a determination within 60 days of receiving all required documentation.

Q: What is a co-share?

A: The co-share is the initial amount you are responsible for before sharing begins. It varies by program level — from $500 (Complete) to $1,500 (Foundational).

Q: Can I cancel my membership?

A: Yes. You may cancel at any time by providing written notice. Cancellation is effective on the last day of the month in which notice is received.

Q: Are my contributions tax-deductible?

A: Monthly contributions to a Health Care Sharing Ministry are not tax-deductible as charitable contributions. Consult your tax advisor for guidance.

Q: What happens if I miss a payment?

A: A grace period extends to the end of the month. If your contribution is more than 60 days overdue, your membership may be terminated. Contact us immediately if you face hardship.

11. NOTES

Use this section to record notes, medical history, or important contact details.