Tag: health care sharing

As American seniors transition into retirement, managing healthcare expenses remains one of the top financial priorities for golden-year planning. While Medicare provides a solid base of protection for individuals age 65 and older, out-of-pocket deductibles, co-payments, and medical care gaps can still result in unexpected financial strain. For faith-minded seniors seeking an affordable, community-focused way to manage post-Medicare medical expenses, Senior Care Sharing through a Health Care Sharing Ministry (HCSM) offers an outstanding solution.

For retirees living on fixed incomes, unexpected hospital stays, specialized medical consultations, or diagnostic scans can erode retirement savings rapidly. Senior Care sharing brings stability and peace of mind by capping per-incident out-of-pocket exposure to a predictable, budget-friendly amount while surrounding members with Christian prayer support.

At Anglican Care, we believe our seniors deserve to be honored, supported, and cared for in their retirement years. Leviticus 19:32 instructs us to “Stand up in the presence of the aged, show respect for the elderly and revere your God.” Our specialized Senior Care Program is specifically designed to work seamlessly alongside Medicare Parts A & B, giving Christian seniors peace of mind, low out-of-pocket responsibilities, and warm spiritual fellowship.

How Anglican Care Senior Care Works Alongside Medicare

The Anglican Care Senior Care program is tailored specifically for members age 65 and older who are enrolled in both Medicare Part A (hospitalization) and Medicare Part B (medical services). Under this program, Medicare acts as the primary payer for your medical claims, covering eligible hospital and physician charges according to federal guidelines.

For eligible medical expenses that remain after Medicare pays its share—such as Medicare deductibles, co-payments, and excess charges—Anglican Care steps in as a secondary voluntary sharing ministry. Eligible remaining expenses (including inpatient hospital stays, outpatient surgeries, diagnostic imaging, and specialist treatments) are submitted to the Anglican Care community for sharing up to $250,000 per incident.

Low Out-of-Pocket Costs and Unbeatable Monthly Contributions

One of the primary reasons Christian seniors choose Anglican Care over traditional commercial supplement options is the dramatic savings in monthly contributions. Anglican Care Senior Care rates beat comparable competitor programs (such as Medi-Share 65+ or CHM SeniorShare) by at least 10%, keeping fixed retirement income secure.

Our age-banded voluntary monthly contributions for Senior Care are transparent and highly affordable:

• Individual Member (Ages 65-74): $89 per month
• Individual Member (Ages 75+): $135 per month
• Senior Couple (Ages 65-74): $169 per month
• Senior Couple (Ages 75+): $249 per month

In addition to affordable monthly contributions, Senior Care features a low Member Responsibility Amount (MRA) of just $500 per incident. Once you satisfy that initial $500 out-of-pocket amount for a specific medical event, 100% of remaining eligible post-Medicare expenses are submitted for community sharing up to $250,000 per incident.

Complete Provider Freedom: No Restricted Networks

A major frustration for many retirees is discovering that traditional managed care plans restrict them to narrow provider networks, requiring referral approvals or penalizing them for seeing specialists outside their local region. This can be especially challenging for “snowbirds” who split their time between northern states and warmer climates like Florida.

With Anglican Care Senior Care, members enjoy total freedom of choice. You can visit any licensed physician, specialist, hospital, or medical center across all 50 states that accepts Medicare. There are zero network restrictions, zero referral delays, and zero out-of-network penalties. Whether receiving routine medical care at home, visiting grandchildren across the country, or seeking specialized treatment while traveling, your membership provides seamless national access and total peace of mind.

Valuable Included Benefits for Seniors

Every Anglican Care Senior Care membership includes a comprehensive suite of value-added benefits designed to promote daily wellness and convenience:

• $0-Consult Telehealth Access: Connect 24/7 with board-certified physicians via phone or video for minor health concerns without leaving the comfort of your home.
• 24/7 Registered Nursing Hotline: Access round-the-clock professional medical guidance for health questions, prescription clarifications, or symptom evaluations.
• Prescription Sharing Support: Eligible incident-related prescription medications are shareable up to $5,000 per incident.
• Catastrophic Support Add-On Option: Seniors can extend their per-incident sharing limit by an additional $1,000,000 for just $37/month (individual) or $69/month (couple).

A Faith Community That Honors and Prays for Seniors

Beyond financial savings, Senior Care members belong to an authentic Christian community that truly cares for one another. Psalm 71:9 expresses the prayer of the mature believer: “Do not cast me away when I am old; do not forsake me when my strength is gone.”

At Anglican Care, our members and pastoral team surround our senior members with intercessory prayer, warm words of encouragement, and personal support through every stage of life. Furthermore, senior members can submit prayer requests directly through the Member Portal at any time. If you or a loved one are preparing for retirement or seeking a faith-consistent alternative for post-65 medical care, Anglican Care Senior Care offers the perfect blend of financial freedom, provider choice, and biblical community.

When an unexpected illness, injury, or medical procedure occurs, managing paperwork should be the last thing causing stress for your family. At Anglican Care, our primary goal is to make the medical need sharing process as simple, transparent, and faith-filled as possible. Designed around the needs of busy Christian households, our digital Member Portal and dedicated support team guide you through every stage of submitting and sharing eligible medical expenses.

Whether you are a brand new member or looking to refresh your understanding of ministry guidelines, this step-by-step guide explains exactly how to submit a medical need for sharing, how your Member Responsibility Amount (MRA) is applied, and how community voluntary contributions bring financial relief when you need it most.

Step 1: Inform Your Healthcare Provider as a Cash-Pay Patient

When visiting a doctor, urgent care clinic, or hospital, inform the admissions or billing staff that you are a cash-paying member of a Health Care Sharing Ministry. Because Anglican Care gives members total freedom to choose any licensed healthcare provider across all 50 states, you are never restricted by provider network boundaries.

Ask the provider for an itemized medical statement (commonly provided on standard medical billing forms such as a CMS-1500 or UB-04) and request their standard prompt pay or cash discount rate. Healthcare providers appreciate direct cash payments because it eliminates corporate billing delays. Securing a cash-pay discount often reduces your total bill by 20% to 60%, significantly lowering your overall out-of-pocket responsibility. You can also utilize Anglican Care’s $0-consult telehealth services for minor follow-up questions, avoiding extra office fees altogether.

Step 2: Access the Anglican Care Member Portal

Once you receive itemized bills from your healthcare providers, log into your secure account on the Anglican Care Member Portal from your computer, tablet, or smartphone. Navigate to the “Submit a Medical Need” section on your dashboard.

The online submission portal will prompt you to enter basic details about the medical incident, including:

• The date of service or initial onset of symptoms.
• A brief description of the medical condition, diagnosis, or injury.
• The treating physician or medical facility name.
• The total billed charge and any cash-pay discounts applied by the provider.

Step 3: Upload Itemized Bills and Supporting Documentation

To ensure prompt processing, upload clear copies or digital photos of your itemized medical statements. An itemized bill must include specific medical procedure codes (CPT codes), diagnosis codes (ICD-10 codes), dates of service, and individual item charges.

If the submission relates to a medical incident occurring within your first 12 months of membership, you may be asked to provide brief medical records to confirm that the condition was not a pre-existing condition (defined as any condition treated or symptomatic in the 12 months prior to your membership effective date). Pre-existing conditions become fully eligible for sharing after 12 months of continuous membership.

Step 4: Application of Your Member Responsibility Amount (MRA)

Once your medical need is submitted, an Anglican Care medical needs analyst reviews the documentation against our published Sharing Guidelines. During this stage, your designated Member Responsibility Amount (MRA)—also known as the Initial Unshareable Amount (IUA)—is applied to the incident:

• Foundational Tier: $5,000 MRA per incident ($250,000 sharing limit)
• Essential Tier: $2,500 MRA per incident ($500,000 sharing limit)
• Complete Tier: $1,000 MRA per incident ($1,000,000 sharing limit)
• Senior Care Tier: $500 MRA per incident ($250,000 sharing limit post-Medicare)

You pay your MRA directly to the healthcare provider using the negotiated cash-pay rates. Remember that the MRA applies per incident, not per bill. Multiple bills stemming from the same medical incident—such as lab work, diagnostic imaging, and physician fees—are bundled together under your single MRA commitment, making out-of-pocket planning clear and predictable for your household budget.

Step 5: Community Sharing and Direct Reimbursement

After your per-incident MRA has been satisfied, 100% of remaining eligible medical expenses up to your program tier limit are published to the ministry community for sharing. Voluntary monthly contributions from fellow Anglican Care members are allocated directly to satisfy your provider balances or reimburse you for amounts paid above your MRA.

You can track the exact status of your medical need submission in real time through your Member Portal dashboard, viewing when funds are verified, published, and disbursed. This complete portal transparency gives member families total confidence and peace of mind as voluntary contributions flow in from across the nation.

The Anglican Care Difference: Pastoral Support and Prayer

At Anglican Care, medical need submission is more than a financial workflow—it is an opportunity for spiritual fellowship. Philippians 4:6-7 encourages us: “Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.” Along with financial sharing, your medical need is lifted up by our dedicated prayer team and fellow ministry members across America, providing encouragement, warm fellowship, and peace throughout your recovery.

For families exploring faith-based health care sharing for the first time, understanding key terminology is an essential step toward making informed decisions. One term that frequently arises in medical sharing circles is the “Initial Unshareable Amount” (IUA)—often referred to as the Member Responsibility Amount (MRA). Understanding how the IUA functions, how it differs from traditional out-of-pocket structures, and how Anglican Care structures its program tiers empowers Christian households to choose the exact level of financial protection that fits their family budget.

In health care sharing ministries, members voluntarily contribute monthly funds to help share one another’s eligible medical needs. However, to keep monthly contribution amounts affordable for everyone in the ministry, each member family agrees to absorb an initial fixed portion of medical expenses when an eligible medical event occurs. This pre-determined out-of-pocket commitment is the Initial Unshareable Amount.

What Is an Initial Unshareable Amount (IUA)?

The Initial Unshareable Amount (IUA), or Member Responsibility Amount (MRA), is the specified dollar amount that a member is responsible for paying out-of-pocket for an eligible medical incident before community sharing begins. Think of it as your personal financial responsibility for a specific injury, illness, or medical event.

Unlike commercial healthcare systems where patients face complex deductible calculations, co-payments, percentage split charges, and out-of-network surprises, the IUA model in health care sharing is simple, transparent, and fixed. You select your IUA level when enrolling in a program tier, allowing you to tailor your monthly contributions to your family’s budget and risk tolerance.

Per-Incident Sharing vs. Annual Out-of-Pocket Deductibles

A critical distinction to understand is that the IUA in Anglican Care is applied on a per-incident basis rather than as a cumulative annual deductible. A “medical incident” includes all medically necessary testing, physician consultations, surgical procedures, hospital stays, follow-up visits, and prescribed therapy associated with a single diagnosis or injury.

For example, if a member experiences a knee injury requiring an initial emergency evaluation, an MRI scan, orthopedic surgery, and ten physical therapy sessions over six months, all of these medical bills stem from a single medical incident. The member pays their chosen IUA just once for that entire event. Once that single IUA is satisfied, all remaining eligible medical expenses associated with that knee injury are eligible for community sharing up to the program limit.

Anglican Care Program Tiers and Flexible IUA Options

Anglican Care offers three core program tiers for individuals and families, allowing members to customize their balance between monthly contributions and per-incident responsibility:

• Foundational Tier ($5,000 MRA / IUA): Designed for young, healthy households or budget-conscious families seeking essential protection against major medical catastrophes. Featuring our lowest age-banded monthly contributions (starting at just $79/month for individuals under 30), this tier provides a $250,000 sharing limit per incident.
• Essential Tier ($2,500 MRA / IUA): Our most popular balanced program tier for growing families. With moderate monthly contributions (such as $399/month for a family of three or more in their 30s or 40s), the Essential tier offers a $500,000 sharing limit per incident.
• Complete Tier ($1,000 MRA / IUA): Ideal for families desiring comprehensive protection and minimal out-of-pocket expenses when medical needs arise. The Complete tier features a low $1,000 per-incident IUA and a generous $1,000,000 sharing limit per incident.

Additionally, Anglican Care offers specialized options including Senior Care Sharing for members 65+ with Medicare Parts A & B (featuring a low $500 MRA per incident and $250,000 sharing limit) and an optional Catastrophic Support Add-On that extends your per-incident limit by an additional $1,000,000 without increasing your MRA.

Real-World Example: How the IUA Works in Practice

To see how the IUA operates during an actual medical event, consider the story of David, an Anglican Care Essential tier member with a $2,500 MRA. While repairing his home roof, David suffered a fall resulting in a severe wrist fracture that required emergency care and outpatient surgery.

Here is how his medical bills were processed through the ministry:

1. Emergency Room Visit & X-Rays: Billed at $3,800. David requested a cash-pay discount, reducing the bill to $2,400. David paid this directly toward his $2,500 MRA.
2. Outpatient Surgery & Hardware Placement: Billed at $12,000. David paid the remaining $100 of his $2,500 MRA.
3. Remaining Surgical & Follow-Up Bills ($11,900): Having fully satisfied his $2,500 per-incident MRA, the remaining $11,900 in eligible surgical fees and physical therapy costs were submitted through the Anglican Care Member Portal.
4. Community Sharing: Fellow Anglican Care members voluntarily shared the entire remaining $11,900, sending direct financial support and prayers to David and his family.

Biblical Wisdom and Peace of Mind

Scripture calls us to walk in wisdom, integrity, and clear fellowship. Proverbs 3:5-6 encourages us to trust in the Lord with all our heart, while Galatians 6:2 instructs us to bear one another’s burdens. Anglican Care’s clear IUA structure ensures that no family is caught off guard by convoluted fine print during a medical challenge. By choosing the IUA level that fits your household financial strategy, you can enjoy true peace of mind, backed by a warm community of believers dedicated to caring for one another.

Life can change in a single unexpected moment. A sudden car accident, an acute surgical emergency, or a serious medical diagnosis can instantly disrupt a family’s sense of security. Beyond the immediate physical pain and emotional stress of a health crisis, many American families dread the overwhelming financial aftermath of major medical events.

For members of Anglican Care, facing a major medical trial looks very different. Rather than navigating a cold, adversarial billing system alone, Anglican Care members are wrapped in the compassionate care, financial support, and active prayer of a faith-based Health Care Sharing Ministry. Here is a step-by-step walk-through of how health care sharing handles major medical events from the moment care is needed through complete financial sharing.

Step 1: Receiving Quality Care with Complete Provider Freedom

During a medical emergency or serious health event, your physical well-being and safety are the absolute top priorities. Anglican Care members enjoy complete freedom to choose any licensed physician, specialist, urgent care clinic, or hospital facility in the United States. You never have to worry about out-of-network financial penalties, restricted provider lists, or artificial geographic boundaries.

When presenting your Anglican Care member identification card at hospital registration or physician check-in, simply inform the billing staff that you belong to a faith-based health care sharing ministry and ask to be billed as a self-pay or cash-pay patient.

Step 2: Professional Medical Bill Repricing and Advocacy

One of the greatest practical benefits of belonging to Anglican Care is our dedicated medical bill advocacy team. Traditional hospital list prices (often called charge master rates) are frequently inflated far beyond reasonable costs. Once your medical bills are generated, our experienced bill negotiators step in to advocate directly on your behalf.

By leveraging cash-pay discounts, fair market pricing standards, and professional bill audits, Anglican Care consistently reduces raw medical bills by 40% to 70% before funds are drawn for community sharing. This critical advocacy step stewards member contribution dollars wisely and ensures that community funds stretch as far as possible.

Step 3: Fulfilling Your Initial Unshareable Amount (IUA)

Every Anglican Care program tier features a designated Initial Unshareable Amount (IUA). The IUA is the specified out-of-pocket dollar threshold that the member family pays per medical incident before community sharing kicks in.

Depending on your chosen program tier—whether Foundational, Essential, Complete, or Senior Care—your IUA remains fixed per incident (typically $1,000 to $5,000 depending on enrollment options). Once your household satisfies the IUA for that specific medical event, 100% of remaining eligible medical expenses are submitted to the ministry pool for full community sharing.

Step 4: Voluntary Community Member Sharing in Action

Once medical bills are audited, repriced, and the IUA is satisfied, eligible expenses are published to the Anglican Care sharing queue. Monthly contributions submitted by fellow members across Florida and the country are allocated directly toward paying your medical providers or reimbursing your out-of-pocket expenses.

Program Tier Capacity for Major Events:

• Essential & Complete Tiers: Provide robust sharing limits designed to easily absorb high-cost surgical procedures, complex specialist treatments, and extended hospital stays.
• Catastrophic Add-On: For rare, extraordinarily severe medical crises (such as organ transplants, major trauma, or long-term oncology care), members enrolled in the Catastrophic Add-On receive extended sharing capacity reaching hundreds of thousands of dollars.

Understanding the Role of the Catastrophic Add-On

While standard program tiers provide ample sharing for the vast majority of medical events, the optional Catastrophic Add-On acts as an extra fortress of security for families facing prolonged, catastrophic illnesses. By adding a small additional monthly contribution, members unlock higher sharing limits that protect their life savings against rare medical events that exceed standard program thresholds.

Step 5: Prayer Support and Encouragement Cards

Financial relief is only half of the health care sharing story. As your medical need is shared across the ministry network, fellow Anglican Care members receive notice of your family’s trial. Members send handwritten get-well cards, notes of encouragement, and financial gifts, surrounding your family with Christian love and fellowship.

“If one part suffers, every part suffers with it; if one part is honored, every part rejoices with it.” — 1 Corinthians 12:26

Knowing that hundreds of brothers and sisters in Christ are bringing your name before the Lord in prayer provides profound emotional comfort and spiritual strength during your recovery.

Summary of the Major Medical Sharing Process

1. Receive Immediate Care: Seek treatment at any hospital, surgeon, or medical facility of your choice without network restrictions.
2. Submit Bills to Portal: Upload itemized medical bills and records to Anglican Care’s secure member portal.
3. Professional Repricing: Our bill advocacy team negotiates significant cash-pay discounts on your behalf.
4. Fulfill Your Fixed IUA: Pay your designated per-incident responsibility from your emergency health reserve.
5. Receive Community Sharing & Prayer: Ministry funds cover remaining eligible costs while members surround your family with prayer.

When major health trials strike, you don’t have to carry the burden alone. Anglican Care combines robust financial protection with authentic Christian community, keeping your family safe, supported, and financially secure when you need it most.

When individuals and families begin researching faith-based Health Care Sharing Ministries (HCSMs), one requirement stands out right away: the agreement to a Statement of Faith. For those who are new to the concept of health care sharing, this requirement might raise important questions. What exactly is a Statement of Faith, why is it necessary for participating members, and how does it protect the spiritual integrity and financial health of the entire ministry?

At Anglican Care, our Statement of Faith is not a mere formality, legal footnote, or administrative hurdle. It is the spiritual cornerstone and foundation of our entire community. It defines who we are, unites our members under shared Christian principles, and ensures that voluntary medical sharing remains honest, sustainable, and true to God’s Holy Word.

What Is a Statement of Faith?

A Statement of Faith is a clear, written declaration of core religious beliefs, theological convictions, and ethical lifestyle commitments. It outlines the foundational Christian truths that guide a ministry’s operations, governance, community standards, and sharing guidelines. In the context of Anglican Care, our Statement of Faith affirms belief in the Holy Trinity, the divine authority and inspiration of Sacred Scripture, the sanctity of human life from conception to natural death, the biblical definition of marriage and family, and the Christian calling to live moral, health-conscious lives.

By reviewing and signing the Statement of Faith during the enrollment process, every member confirms their personal faith in Jesus Christ and agrees to live in accordance with biblical standards of morality, personal health stewardship, and mutual responsibility.

Why the Statement of Faith Matters for Health Care Sharing

There are several crucial theological, moral, and practical reasons why a Statement of Faith is vital to the identity and operational success of a Health Care Sharing Ministry like Anglican Care.

1. Creating Unity of Purpose and Christian Values

Scripture asks in Amos 3:3, “Do two walk together unless they have agreed to do so?” A faith-based community relies on shared trust and spiritual alignment. When members share common beliefs, they share a unified understanding of stewardship, honesty, and compassion. Everyone in the Anglican Care community agrees that health care sharing is an act of Christian ministry and neighborly love rather than a commercial contract.

2. Promoting Healthy and Responsible Biblical Living

Anglican Care’s Statement of Faith includes explicit commitments to honor God with our physical bodies (1 Corinthians 6:19-20). Members agree to abstain from illegal substance use, alcohol abuse, tobacco products, and reckless behaviors that harm the body. Because members embrace healthy, moral lifestyles, medical claims arising from preventable lifestyle vices are dramatically reduced. This directly keeps age-banded monthly contributions affordable for every household in our community.

3. Preserving Sacred Conscience Protections

In secular commercial health plans, plan participants are frequently forced to contribute monthly dollars toward medical procedures that violate their Christian conscience—such as elective abortions, unethical treatments, or lifestyle-driven elective procedures. In Anglican Care, every dollar shared goes strictly toward eligible medical needs that align with biblical morality. Members can rest assured that their monthly contributions will never be used to fund morally objectionable practices.

4. Lowering Administrative Overhead and Fraud

Because members share a common commitment to Christian honesty and integrity, fraud rates within Health Care Sharing Ministries remain extraordinarily low. This high level of mutual trust allows Anglican Care to maintain streamlined administrative operations, keeping overhead expenses low and directing maximum funds toward member medical needs.

The Historical Exemption and Legal Recognition of HCSMs

Under federal regulations, qualified Health Care Sharing Ministries that have maintained continuous operation and shared medical costs according to religious principles receive special recognition. This legal exemption honors the constitutional right of American citizens to exercise religious freedom in managing their healthcare. Anglican Care’s Statement of Faith reinforces this legal framework, ensuring our ministry remains a compliant, self-sustaining community of believers.

How Shared Faith Translates into Program Excellence

The trust established by a shared Statement of Faith enables Anglican Care to operate with exceptional efficiency, transparency, and fairness across all five of our program tiers:

• Foundational Tier: Budget-friendly sharing for young believers committed to personal responsibility and Christian stewardship.
• Essential Tier: Balanced sharing for families raising children in a God-fearing home with strong Christian values.
• Complete Tier: Broad sharing support for households seeking maximum security rooted in faith and community care.
• Senior Care Tier: Honorable sharing support for Christian seniors walking in lifelong faith and fellowship.
• Catastrophic Add-On: Supplemental financial protection against major medical trials for total peace of mind.

A Community Built on Trust, Integrity, and Fellowship

Ultimately, the Statement of Faith is what transforms health care from an impersonal financial arrangement into a warm, supportive fellowship of believers. It guarantees that when you need help during a physical trial, the people sharing your medical bills are brothers and sisters in Christ who care about your well-being, honor your values, and are actively praying for your healing.

“Behold, how good and how pleasant it is for brethren to dwell together in unity!” — Psalm 133:1

If you are looking for a health care solution rooted in uncompromised faith, genuine Christian integrity, and American freedom, Anglican Care invites you and your family to stand with us in Christian community.