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.









