General Notice: Christian Mutual Med-Aid (hereinafter “CMM”) is a Christian healthcare sharing ministry operated by Logos Missions, Inc., a 501(c)(3) nonprofit religious organization. CMM is NOT an insurance company. The Guidelines or any other CMM documents should not be considered an insurance policy. The CMM operating plan or any other CMM document must not be considered an insurance policy. All assistance from CMM for your medical bills comes from the entirely voluntary participation of CMM members. Herein, membership or being a “member” of CMM is a missionary concept and signifies participation in and support of a healthcare sharing ministry. Regardless of the sharing of medical expenses and the operation of CMM, you are solely responsible for paying your medical bills.
CMM is a certified healthcare sharing ministry
, Christian Mutual Med-Aid received a letter of certification as a recognized healthcare sharing ministry from the Department of Health and Human Services (via the Centers for Medicare and Medicaid Services). View Christian Mutual Med-Aid’s certification letter.
Healthcare Sharing Ministries and the Affordable Care Act
As a certified healthcare sharing ministry, members of Christian Mutual Med-Aid are exempt from the federal healthcare law’s (Affordable Care Act) requirement that individuals purchase insurance or pay a penalty tax (see 26 United States Code Section 5000A, (d) (2) (B)).
Christian Mutual Med-Aid undergoes an annual third-party audit, and the report is available upon request.
STATE DISCLOSURES: The following states require that a notice be made available to prospective members of health care sharing ministries:
Alabama
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor its operating plan constitutes an insurance policy. Whether anyone chooses to assist you with your medical bills is entirely voluntary, as no other participant is legally required to contribute toward your medical bills. As such, participation in the organization or subscription to any of its documents should never be considered insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Alaska
Notice: The organization coordinating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor its operating plan constitutes an insurance policy. Whether anyone chooses to assist you with your medical bills is entirely voluntary, as no other participant is legally required to contribute toward your medical bills. Participation in the organization or subscription to any of its documents should never be considered insurance. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Arizona
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and the ministry’s Guidelines and plan of operation are not an insurance policy. Whether anyone chooses to assist you with your medical bills is entirely voluntary, as participants are not legally required to contribute toward your medical bills. Therefore, participation in the ministry or a subscription to any of its documents should not be considered insurance. Regardless of whether you receive any payment for medical expenses or whether this ministry continues to operate, you are always personally responsible for paying your own medical bills.
Arkansa
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor its operating plan constitutes an insurance policy. If anyone chooses to assist you with your medical bills, it will be entirely voluntary, as participants are not legally required to contribute toward your medical bills. Participation in the organization or subscription to any of its documents should never be considered insurance. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Florida
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation constitutes an insurance policy. Membership is not offered through an insurance company, and the organization is not subject to the regulatory requirements or consumer protections of the Florida Insurance Code. Whether anyone chooses to assist you with your medical bills is entirely voluntary, as no other participant is legally required to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Georgia
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its operating plan constitutes an insurance policy. Whether anyone chooses to assist you with your medical bills is entirely voluntary, as no other participant is legally required to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Idaho
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its operating plan constitutes an insurance policy. Whether anyone chooses to assist you with your medical bills is entirely voluntary, as no other participant is legally required to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Illinois
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor its operating plan constitutes or creates an insurance policy. Any assistance you receive with your medical bills will be entirely voluntary. As such, participation in the organization or subscription to any of its documents should never be considered insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Indiana
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its operating plan constitutes an insurance policy. Any assistance you receive with your medical bills will be entirely voluntary. Neither the organization nor any other participant can be legally compelled to contribute toward your medical bills. As such, participation in the organization or subscription to any of its documents should never be considered insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Kentucky
Notice: Under Kentucky law, the religious organization facilitating the sharing of medical expenses is not an insurance company, and its Guidelines, plan of operation, or any other document of the religious organization do not constitute or create an insurance policy. Participation in the religious organization or a subscription to any of its documents shall not be considered insurance. Any assistance you receive with your medical bills will be entirely voluntary. Neither the organization nor any participant is legally required to contribute toward your medical bills. Regardless of whether you receive any payments for medical expenses, and regardless of whether this organization continues to operate, you remain personally responsible for paying your medical bills.
Louisiana
Notice: The ministry that facilitates the sharing of medical expenses is not an insurance company. Neither the Guidelines nor the ministry’s operating plan constitutes an insurance policy. Financial assistance for the payment of medical expenses is strictly voluntary. Participation in the ministry or a subscription to any publication issued by the ministry shall not be considered enrollment in any health insurance plan or a waiver of your responsibility to pay your medical expenses.
Maine
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor its operating plan constitutes an insurance policy. Whether anyone chooses to assist you with your medical bills is entirely voluntary, as no other participant is legally required to contribute toward your medical bills. Participation in the organization or subscription to any of its documents should never be considered insurance. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Maryland
Notice: This publication is not issued by an insurance company, nor is it offered through an insurance company. It does not guarantee or promise that your medical bills will be published or assigned to others for payment. No other subscriber will be required to contribute toward the cost of your medical bills. Therefore, this publication should never be considered a substitute for an insurance policy. This activity is not regulated by the State Insurance Administration, and your liabilities are not covered by the Life and Health Guaranty Fund. Regardless of whether you receive any payments for medical expenses or whether this entity continues to operate, you are always liable for any unpaid bills.
Michigan
Notice: The [insert name of eligible entity] that operates this healthcare sharing ministry is not an insurance company, and the financial assistance provided through the ministry is not insurance and is not provided through an insurance company. Whether any participant in the ministry chooses to assist another participant who has financial or medical needs is entirely voluntary. A participant will not be legally compelled to contribute toward the financial or medical needs of another participant. This document is not an insurance contract or a promise by the ministry to pay for a participant’s financial or medical needs. A participant who receives assistance from the ministry for his or her financial or medical needs remains personally responsible for paying all of his or her medical bills and other obligations incurred in meeting those needs.
Mississippi
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its operating plan constitutes an insurance policy. Whether anyone chooses to assist you with your medical bills is entirely voluntary, as no other participant is legally required to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Missouri
Notice: This publication is not an insurance company, nor is it offered through an insurance company. Any decision to assist you with your medical bills is entirely voluntary; no other subscriber or member will be compelled to contribute toward your medical bills. As such, this publication should never be considered insurance. Regardless of whether you receive any payments for medical expenses or whether this publication continues to operate, you are always personally responsible for paying your own medical bills.
Montana
Notice: The healthcare sharing ministry that facilitates the sharing of medical expenses is not an insurance company and does not use insurance agents or pay commissions to insurance agents. The healthcare sharing ministry’s Guidelines and plan of operation are not an insurance policy. Without health insurance, there is no guarantee that you, a fellow member, or any other person who is a party to the healthcare sharing ministry agreement will be protected in the event of illness or an emergency. Regardless of whether you receive any payment for medical expenses or whether the healthcare sharing ministry terminates, withdraws from the faith-based agreement, or continues to operate, you are always personally responsible for paying your own medical bills. If your participation in the healthcare sharing ministry ends, state law may require you to wait a certain period before you can apply for health insurance coverage.
Nebraska
Notice: This organization is not an insurance company, and its product should never be considered insurance. If you join this organization instead of purchasing health insurance, you will be considered uninsured. Under the terms of this agreement, any decision by a participant in this organization to assist you with your medical bills is entirely voluntary, and neither the organization nor any participant can be compelled by law to contribute toward your medical bills. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills. This organization is not regulated by the Nebraska Department of Insurance. You should review this organization’s Guidelines carefully to ensure you understand any limitations that may affect your personal medical and financial needs.
New Hampshire
Notice: This organization is not an insurance company, and its product should never be considered insurance. If you join this organization instead of purchasing health insurance, you will be considered uninsured. Under the terms of this agreement, any decision by a participant in this organization to assist you with your medical bills is entirely voluntary, and neither the organization nor any participant can be compelled by law to contribute toward your medical bills. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills. This organization is not regulated by the New Hampshire Insurance Department. You should review this organization’s Guidelines carefully to ensure you understand any limitations that may affect your personal medical and financial needs.
North Carolina
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor its operating plan constitutes an insurance policy. Any decision to assist you with your medical bills is entirely voluntary. No other participant is legally required to contribute toward your medical bills. As such, participation in the organization or subscription to any of its documents should never be considered insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally liable for the payment of your own medical bills.
Oklahoma
Notice: This is not an insurance policy. It is a voluntary program that is neither approved, endorsed, nor regulated by the Oklahoma Department of Insurance, and the program is not guaranteed under the Oklahoma Life and Health Insurance Guaranty Association.
Pennsylvania
Notice: This publication is not an insurance company, nor is it offered through an insurance company. This publication does not guarantee or promise that your medical bills will be published or assigned to others for payment. Any decision to pay your medical bills is entirely voluntary. As such, this publication should never be considered a substitute for insurance. Regardless of whether you receive any payments for medical expenses or whether this publication continues to operate, you are always liable for any unpaid bills.
South Dakota
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its operating plan constitutes an insurance policy. Whether anyone chooses to assist you with your medical bills is entirely voluntary, as no other participant is legally required to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for paying your own medical bills.
Texas
Notice: This healthcare sharing ministry facilitates the sharing of medical expenses and is not an insurance company; neither its Guidelines nor its plan of operation constitutes an insurance policy. Whether anyone chooses to assist you with your medical bills is entirely voluntary, as no other participant is legally required to contribute toward your medical bills. As such, participation in the ministry or subscription to any of its documents should never be considered insurance. Regardless of whether you receive any payment for medical expenses or whether this ministry continues to operate, you are always personally responsible for paying your own medical bills. Complaints regarding this healthcare sharing ministry may be reported to the Texas Attorney General’s Office.
Virginia
Notice: This publication is not insurance and is not offered through an insurance company. Any decision to assist you with your medical bills is entirely voluntary; no other member is legally required to contribute toward your medical bills. As such, this publication should never be considered insurance. Regardless of whether you receive any payments for medical expenses or whether this publication continues to operate, you are always personally responsible for paying your own medical bills.
Wisconsin
Notice: This publication is not issued by an insurance company, nor is it offered through an insurance company. This publication does not guarantee or promise that your medical bills will be published or assigned to others for payment. Whether anyone chooses to pay your medical bills is entirely voluntary. This publication should never be considered a substitute for an insurance policy. Regardless of whether you receive any payments for medical expenses, and regardless of whether this publication continues to operate, you are responsible for paying your own medical bills.
Wyoming
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor its plan of operation constitutes an insurance policy. Any assistance with your medical bills is entirely voluntary. No other participant is required by law or otherwise to contribute toward your medical bills. Participation in the organization or subscription to any of its documents shall not be considered health insurance and is not subject to the regulatory requirements or consumer protections of the Wyoming Insurance Code. You are personally responsible for paying your medical bills, regardless of any financial assistance you may receive from the organization for medical expenses. You are also responsible for paying your medical bills if the organization ceases to exist or ceases to facilitate the sharing of medical expenses.