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Christian Health Care Newsletter Disclosures

To those who do not live according to a Biblical World View, the concept of Christians covenanting together to share medical expenses, pray for one another, and encourage each other with cards or notes sounds idealistic at best. While it is true that Christians are not perfect - and we all stumble at times - sincere, committed believers have been helping one another for centuries. Organized programs like this one have been functioning successfully for decades.

We believe the law is clear that a sharing ministry is not insurance, and thus the insurance laws of various states do not apply. Some states have written laws to specifically exempt sharing ministries from insurance regulations if they meet certain requirements. Four of those states require a disclosure statement with exact wording - which wording is somewhat different from state to state.

Since CHCN is not insurance, it does not have to provide these disclosure statements to be exempt from insurance laws. Neverthless, to meet the concerns of Insurance Departments, we are providing those statements to you:

 

KY, MD, PA, WI, and All Other States.


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