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MEDICAL SHARING MINISTRIES (MSM) – COMPARISON CHARTMINISTRYStart YearChristian Care Ministry (Medi-Share)Christian Healthcare MinistriesSamaritan Ministries199319821994 273/mo 45 - 150/mo 120/mo 391/mo 135 - 450/mo 285/moNoneIncluded in Membership feeNoneBased on units and levels (Bronze,Silver, Gold)Single person is one unit, alldependent children are together oneunit. Mother and Father are twounits. Mother, Father and children(no limit) are three units 170/year/householdFEES/PRICESAverage Monthly Price SingleAverage Monthly Price –Family of FourAdministrative FeeMembership FeeBasis of PricingUnitsIncluded in Monthly Share Amount, along with 2.65 per month for maintaining the individualbank account with America’s Christian CreditUnionNoneAge, unit, and initial member responsibility(see below “share of each medical episode”)Single, Couple (2 persons), and Family (3 persons)Family statusSingle, Couple, Single Parent, FamilySingles - 120/moCouples - 240/moSingle parent - 172/moFamily - 285/moPrice LevelsVaries by age at each category:MS 250 ( 121 - 570)MS 1000 ( 96 - 453)MS 10000 ( 53 - 291)Bronze ( 45) per unit,Silver ( 85 per unit)Gold ( 150 per unit)Youth (under 25) and Christian StudentSingle - 99/moCouple - 199/moSingle parent family - 149/moFamily - 249/mo65 yr and older 30 discount off any monthly shareCompanion to CCHC Report: “MEDICAL SHARING: An Inexpensive Alternative to Health Insurance”All information gathered from ministry websites or direct responses to CCHC questions from ministry staff Jan – March 2009. Updated SM on April 1, 2010. Copyright, Citizens’ Council on Health Care, 2010 651-646-8935 www.healthcarefreedom.us1

MEDICAL SHARING MINISTRIES (MSM) – COMPARISON CHARTMINISTRYShare of each medicalepisode before ministrypays (Individual)Share of each medicalepisode before ministrybegins paying (Family)Cap on SharingSecondary to OtherSources of PaymentChristian Care Ministry (Medi-Share) 250 in MS250 1,000 in MS1000 10,000 in MS10000Christian Healthcare Ministries 500 for Gold 1,000 for Silver 5,000 for Bronzeamount for each member 65 and olderSamaritan Ministries 300 for each incident for up to threeincidents per calendar year 250 in MS250 1,000 in MS1000 10,000 in MS10000 500 for Gold 1,000 for Silver 5,000 for Bronze 300 for each incident. “No limit onhow many needs may be submittedwithin a year. If more than 3 needs aresubmitted within 12 months, the initialunpublishable amount of 300 ispublished for any needs after the first 3needs. Additionally, any discounts themember is able to negotiate are takenfrom the 300 initial unpublishableamount first, reducing the amount themember is responsible for.” 1 million per individual per year; 5 million lifetime maximum 125,000 per medical incident 100,000 per person, per incidentYesUnknownYesEXCLUSIONSPre-Existing ConditionsPolicyConditions that are not cured prior tomembership are not shared while a member,unless the member has faithfully shared for 12months and the condition had gone for 36months without treatment or symptoms.However, there are exceptions to the timelimits and limits on eligible amounts forsharingCosts for bills received to treat preexisting conditions can be shared on“Prayer Page” of monthly newsletter.Other members may voluntarilycontribute above regular monthly giftto ministry.Percent who apply who5 percentAll accepted“Pre-existing conditions are notnormally publishable unless themember goes 12 months withoutsymptoms of treatment. However,many pre-existing needs are publishedas Special Prayer Nees through ourmonthly newsletter and members areencouraged to send a suggested freewill offering to the members with theseneeds.” However, no needs will bepublished related to pre-existing heartconditions, cancer, and diabetes.0 percent. No one is denied if they areCompanion to CCHC Report: “MEDICAL SHARING: An Inexpensive Alternative to Health Insurance”All information gathered from ministry websites or direct responses to CCHC questions from ministry staff Jan – March 2009. Updated SM on April 1, 2010. Copyright, Citizens’ Council on Health Care, 2010 651-646-8935 www.healthcarefreedom.us2

MEDICAL SHARING MINISTRIES (MSM) – COMPARISON CHARTare not eligibleMINISTRYUnderwritingEntrance CriteriaChristian Care Ministry (Medi-Share)“Applicants who have a history of seriousmedical conditions(s), who are significantlyoverweight or who are at significant risk formajor disease may not qualify for Medi-Sharemembership Failure to disclose medical orlifestyle information that might disqualify theapplicant may result in future termination ofmembership and needs not being shared.”Must have verifiable Christian testimonyindicating personal relationship with Christ,attend and actively support a fellowship ofbelievers, not engage in pre-marital orextramarital sex, and cannot use tobacco orillegal drugs. Must not abuse legal drugs oralcohol.Christian Healthcare MinistriesPenalties for using non-PPO providersNoneNon AMA treatment for conditions,chiropractic, cosmetic surgeryexcepting as a result of accidents orfor surgical reconstructionable to agree to the statements ofbeliefs on the application.Samaritan MinistriesNone. Members not dropped orprices increased for sickness or age.“As long as you meet the requirementsin this section, membership will not berefused on the basis of present healthstatus. However we have chosen topublish for sharing certain types ofneeds and to not publish others.”Must declare themselves to beChristians living by biblicalstandards & no tobacco is allowed.A born-again Christian who regularlyattends church, abstains from alcohol ordrinks in extreme moderation, abstainsfrom illegal drugs, tobacco use and sexoutside of heterosexual marriage. Apastor must sign a statement confirmingapplicant’s qualificationsACCESSNetworkAccess to TreatmentMembers have voted to not share expenses fora list of specific services and conditions listedin their Guidelines.Access to alternativetreatment?Only if pre-approved in accordance with MediShare guidelines.Available to Medicarerecipients?PrescriptionsSharing limited to 50,000 per year and basedon difference between Medicare’s allowablecharges and the actual payments made byMedicare. Medicare enrollment required.“ScriptSave” prescription discount cardAMA approved treatmentN/AGuidelines list “Miscellaneous ItemsNot Shared” including infertilityexpenses, suicide, preventive care,abortion, mental illness, etc.Only with prior written approval fromMSM, “though almost all needs frowhich the member is able todemonstrate a comparable or lower costto standard treatments are published.”Yes, but must be enrolled inMedicare parts A and B.YesPartners wth companies that offerAll inpatient prescriptions published;Companion to CCHC Report: “MEDICAL SHARING: An Inexpensive Alternative to Health Insurance”All information gathered from ministry websites or direct responses to CCHC questions from ministry staff Jan – March 2009. Updated SM on April 1, 2010. Copyright, Citizens’ Council on Health Care, 2010 651-646-8935 www.healthcarefreedom.us3

MEDICAL SHARING MINISTRIES (MSM) – COMPARISON CHARTMINISTRYChristian Care Ministry (Medi-Share)discounts on prescriptions. A freeprescription card is available forinterested members. These is nodiscount guarantee or set discountamount.Christian Healthcare Ministriesprescribed medication published onlyfor 60 days from first prescription; nopublication of prescriptions formaintenance of chronic or recurringconditions.Samaritan Ministries 661,421 (cancer) 1.6 million 1,292,769.26 (as of Dec 31st 2008) 345,000,000 500,000,000 169,012,243.88Approx. 90,000,000 1,000,000,000 412,600,584.02 (as of Dec 31, 2008).“This is the amount of bills bills [and]does not account for discounts receivedon these needs and includesunpublishable needs that weresubmitted including a large number ofneeds that we submitted as SpecialPrayer Needs ”12,29135,00013,068 38,00080,00041,768Data Unavailable80,000 (1993-1997)42,821 (2008)Approx. 1,700 (1993)300 (1982)20-25 (1994)35,700Approx. 25,00042,82118,000 (2005)35,000 (1993-1997)13,362 (2008)Not mentioned on websiteYes, website specifically mentionsYes, website specifically mentionsSHARINGLargest Need SharedTotal Payments Sharedto date (12/31/08)Total Bills Submitted todateSERVEDTotal # of HouseholdsServedTotal # of IndividualsServedHighest # of IndividualsServed (and year)Lowest # of IndividualsServed (and year)Current # of IndividualsServedHighest # of HouseholdsServed (and year)Serve missionaries?Companion to CCHC Report: “MEDICAL SHARING: An Inexpensive Alternative to Health Insurance”All information gathered from ministry websites or direct responses to CCHC questions from ministry staff Jan – March 2009. Updated SM on April 1, 2010. Copyright, Citizens’ Council on Health Care, 2010 651-646-8935 www.healthcarefreedom.us4

MEDICAL SHARING MINISTRIES (MSM) – COMPARISON CHARTMINISTRYLowest # of HouseholdsServed (and year)Current # of HouseholdsServedChristian Care Ministry (Medi-Share)Christian Healthcare MinistriesSamaritan MinistriesApprox. 500 (1993)100 (1982)10 (1994)11,700Approx. 9,00013,362Not unless a permanent resident with a visa orgreen card and Social Security NumberYesYes49 (not Montana)5050Illinois, OklahomaNoneNoneTexasOhio and Texas alternateIndianaRhode IslandRhode Island and HawaiiD.C., Guam, Virgin Islands,Puerto Rico, HawaiiWaiting period afterjoining before a bill canbe submitted30 days, except for accidental injuries45 days, except for emergencies90 daysAverage wait beforepayment begins after abill is submittedCCM does not pay members’ bills; it facilitatesmatching a member’s bill with other member(s)who give their monthly share. From the date aneed is approved for sharing, it takes 60-90days for the bill to be paid by other members.Approval process itself takes approx. 30 days.“In general, eligible medical geedsare shared by CHM members in theorder they are received at the [CHM]office”It takes 30-60 days to publish need afterpatient submits bills to MSMDoctor/HospitalPatientPatientMembers pay MSM via an individual accountMember gifts are placed into aDirectly to member in need, as directedAvailable to non-citizensSTATE STATSServing in how manyStatesStates where insurancedepartment is makingoperations difficultState with mostsubscribers/membersState with leastsubscribers/membersPAYMENT PROCESSBill submitted to MSMby whom?Payment methodCompanion to CCHC Report: “MEDICAL SHARING: An Inexpensive Alternative to Health Insurance”All information gathered from ministry websites or direct responses to CCHC questions from ministry staff Jan – March 2009. Updated SM on April 1, 2010. Copyright, Citizens’ Council on Health Care, 2010 651-646-8935 www.healthcarefreedom.us5