{"id":263,"date":"2023-06-14T14:35:43","date_gmt":"2023-06-14T14:35:43","guid":{"rendered":"https:\/\/chministries.org\/?page_id=263"},"modified":"2025-07-29T16:57:43","modified_gmt":"2025-07-29T20:57:43","slug":"legal-notices","status":"publish","type":"page","link":"https:\/\/chministries.org\/legal-notices\/","title":{"rendered":"Legal Notices"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-constrained wp-block-column-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8dca0e93 wp-block-columns-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-column is-layout-constrained wp-block-column-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Leading our ministry <strong class=\"underline\">with integrity.<\/strong><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-constrained wp-block-column-is-layout-constrained\">\n<p>The mission of Christian Healthcare Ministries is to glorify God, show Christian love, and experience God\u2019s presence as Christians share each other\u2019s medical bills.&nbsp;Our members have exercised their faith and shared other members\u2019 eligible medical bills since 1981.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-center is-style-myriad-title has-primary-color has-text-color\">Legal Notices<\/p>\n\n\n<section class=\"chm-block-accordion initial wp-block-acf-accordion\" id=\"block_b38039160b8149f4fbc3e1e1c7c56e4d\" >\n\n  <div class=\"accordion-item\"><div class=\"title\">General Notice <\/div><div class=\"content\"><p>Christian Healthcare Ministries (hereinafter \u201cCHM\u201d), a nonprofit religious organization, is not an insurance company. No ministry operations or publications are offered through or operated by an insurance company. CHM does not guarantee or promise that your medical bills will be shared or assigned to others for financial gifts. Whether any CHM member chooses to share the burden of your medical bills will be entirely voluntary. As such, CHM should never be considered as a substitute for an insurance policy. Regardless of whether you receive any financial gifts for medical expenses, and regardless of whether CHM continues to operate, you are always liable for all medical expenses you incur.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Alabama, Georgia, Idaho, Mississippi, and South Dakota<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Alaska<\/div><div class=\"content\"><p>NOTICE: The organization coordinating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive a payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Arizona<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company, and the ministry\u2019s Guidelines and plan of operation are not an insurance policy. Whether anyone chooses to assist you with your medical bills will be completely voluntary because participants are not compelled by law to contribute toward your medical bills. Therefore, participation in the ministry or a subscription to any of its documents should not be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this ministry continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Arkansas<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company and neither its Guidelines nor plan of operation is an insurance policy. If anyone chooses to assist you with your medical bills, it will be totally voluntary because participants are not compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive a payment for medical expenses or if this organization continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Florida<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation is 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 will be totally voluntary because no other participant is compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Illinois<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor plan of operation constitutes or creates an insurance policy. Any assistance you receive with your medical bills will be totally voluntary. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Whether or not you receive any payments for medical expenses and whether or not this organization continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Indiana<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Any assistance you receive with your medical bills will be totally voluntary. Neither the organization nor any other participant can be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Whether or not you receive any payments for medical expenses and whether or not this organization continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Kentucky<\/div><div class=\"content\"><p>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 totally voluntary. Neither the organization or any participant shall be compelled by law to contribute toward your medical bills. Whether or not you receive any payments for medical expenses, and whether or not this organization continues to operate, you shall be personally responsible for the payment of your medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Louisiana<\/div><div class=\"content\"><p>NOTICE: The ministry facilitating the sharing of medical expenses is not an insurance company. Neither the Guidelines nor the plan of operation of the ministry 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 as enrollment in any health insurance plan or as a waiver of your responsibility to pay your medical expenses.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Maine<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company and neither its Guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Maryland<\/div><div class=\"content\"><p>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 compelled 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. Whether or not you receive any payments for medical expenses and whether or not this entity continues to operate, you are always liable for any unpaid bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Massachusetts<\/div><div class=\"content\"><p>NOTICE: <span data-olk-copy-source=\"MessageBody\">This organization is not an insurance company and does not guarantee that medical bills will be paid by the organization or any other individuals.<\/span><\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Michigan<\/div><div class=\"content\"><div>\n<p><span data-olk-copy-source=\"MessageBody\">NOTICE: Christian Healthcare Ministries, in operating this health care 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 totally voluntary. A participant will not be compelled by law to contribute toward the financial or medical needs of another participant. This document is not a contract of insurance or a promise to pay for the financial or medical needs of a participant by the ministry. A participant who receives assistance from the ministry for his or her financial or medical needs remains personally responsible for the payment of all of his or her medical bills and other obligations incurred in meeting his or her financial or medical needs.<\/span><\/p>\n<\/div>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Missouri<\/div><div class=\"content\"><p>NOTICE: This publication is not an insurance company nor is it offered through an insurance company. Whether anyone chooses to assist you with your medical bills will be totally voluntary, as no other subscriber or member will be compelled to contribute toward your medical bills. As such, this publication should never be considered to be insurance. Whether you receive any payments for medical expenses and whether or not this publication continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Montana<\/div><div class=\"content\"><p>NOTICE: The healthcare sharing ministry facilitating 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\u2019s Guidelines and plan of operation are not an insurance policy. Without healthcare 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 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 the payment of your own medical bills. If your participation in the healthcare sharing ministry ends, state law may subject you to a waiting period before you are able to apply for health insurance coverage.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Nebraska<\/div><div class=\"content\"><p>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. By the terms of this agreement, whether anyone chooses to assist you with your medical bills as a participant of this organization will be totally 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 the payment of your own medical bills. This organization is not regulated by the Nebraska Department of Insurance. You should review this organization\u2019s Guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">New Hampshire<\/div><div class=\"content\"><p>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. By the terms of this agreement, whether anyone chooses to assist you with your medical bills as a participant of this organization will be totally 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 the payment of your own medical bills. This organization is not regulated by the New Hampshire Insurance Department. You should review this organization\u2019s Guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">North Carolina<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company and neither its Guidelines nor its plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be voluntary. No other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be 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.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">North Dakota<\/div><div class=\"content\"><p>NOTICE: Christian Healthcare Ministries, in facilitating the sharing of medical expenses is not an insurance company and its guidelines and plan of operation are not an insurance policy. Whether anyone chooses to assist you as a participant with medical bills is voluntary and participation in the organization or a subscription to its documents is not insurance. Regardless of whether you as a participant receive payments or the organization continues to operate, you are responsible for the payment of your medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Oklahoma<\/div><div class=\"content\"><p>NOTICE: This is not an insurance policy. It is a voluntary program that is neither approved, endorsed or regulated by the Oklahoma Department of Insurance and the program is not guaranteed under the Oklahoma Life and Health Insurance Guaranty Association.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Pennsylvania<\/div><div class=\"content\"><p>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. Whether anyone chooses to pay your medical bills will be totally voluntary. As such, this publication should never be considered a substitute for insurance. Whether you receive any payments for medical expenses and whether or not this publication continues to operate, you are always liable for any unpaid bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Tennessee<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Texas<\/div><div class=\"content\"><p>NOTICE: This healthcare sharing ministry facilitates the sharing of medical expenses and is not an insurance company, and neither its Guidelines nor its plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the ministry or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this ministry continues to operate, you are always personally responsible for the payment of your own medical bills. Complaints concerning this healthcare sharing ministry may be reported to the office of the Texas attorney general.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Virginia<\/div><div class=\"content\"><p>NOTICE: This publication is not insurance, and is not offered through an insurance company. Whether anyone chooses to assist you with your medical bills will be totally voluntary, as no other member will be compelled by law to contribute toward your medical bills. As such, this publication should never be considered to be insurance. Whether you receive any payments for medical expenses and whether or not this publication continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">West Virginia<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Wisconsin<\/div><div class=\"content\"><p>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. Whether or not you receive any payments for medical expenses, and whether or not this publication continues to operate, you are responsible for the payment of your own medical bills.<\/p>\n<\/div><\/div><div class=\"accordion-item\"><div class=\"title\">Wyoming<\/div><div class=\"content\"><p>NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its Guidelines nor plan of operation is an insurance policy. Any assistance with your medical bills is completely voluntary. No other participant is compelled by law or otherwise to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents shall not be considered to be health insurance and is not subject to the regulatory requirements or consumer protections of the Wyoming insurance code. You are personally responsible for payment of your medical bills regardless of any financial sharing you may receive from the organization for medical expenses. You are also responsible for payment of your medical bills if the organization ceases to exist or ceases to facilitate the sharing of medical expenses.<\/p>\n<\/div><\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Leading our ministry with integrity. The mission of Christian Healthcare Ministries is to &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":{"0":"post-263","1":"page","2":"type-page","3":"status-publish","4":"format-standard","6":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Legal Notices - Christian Healthcare Ministries<\/title>\r\n<meta name=\"description\" content=\"At CHM, every step we take has integrity in mind. 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