General Questions

Is Covenant HealthShare insurance?

No, Covenant is not insurance. Covenant is a 501(c)(3) non-profit health care sharing ministry and is a God-honoring, cost-effective health care option.

Who regulates Covenant HealthShare?

Under the Affordable Care Act (ACA), health care sharing ministries (HCSMs) are regulated by each specific state’s attorney general and are not typically regulated by the states’ department of insurance.

Why should I choose Covenant HealthShare?

Covenant HealthShare is built on the centuries-old Christian tradition of caring for one another, including health care needs. The programs Covenant offers are built on the well-established model of health care sharing with a modern-day twist. We use innovative technologies to streamline access to individual and family-focused health care services at each step along the continuum of care. Our programs are designed to simplify the complexities of health care, while putting the power of choice back in the hands of our members.

Can my Monthly Membership Gift (MMG) amount change?

Your MMG is subject to change to meet the demands of the membership; although, Covenant HealthShare membership gifts have historically had few fluctuations.

What is the Medical Benevolence Fund (MBF)?

The charitable account that facilitates member-to-member sharing throughout the Covenant HealthShare community for eligible medical needs.

Does Covenant share for maternity services?

It depends on the Covenant membership level. Some levels share Needs Requests toward maternity services, while others may not include this service or require members to be enrolled in the membership for a certain period of time. Furthermore, based on the beliefs of the Covenant HealthShare program, Covenant does not share in maternity medical needs if conception was out of wedlock or if the child was born to a same sex couple, through a surrogate mother or otherwise.

If I want to adopt a child, will Covenant support me financially?

If the adoption abides by all laws and statutes and the child is under 26 years of age, the child will be supported by the ministry. The adoptee must also be listed as a dependent under your membership.

What sets Covenant HealthShare apart from the other HCSMs?

Covenant HealthShare was the first health care sharing ministry (HCSM) to allow sharing of primary care visits and routine preventative services. At Covenant, we hold your health and well-being to the highest standard, and we believe having access to preventive care is best for our membership and the United State’s health care industry.

How are Share Requests Facilitated?

Show your Covenant HealthShare ID card to a Member Preferred Provider Group provider; once your medical visit is completed, the provider will submit your Need Request to Covenant for review by our third-party administrator. To find the status of your Need Requests, please visit your Member Aid System. After your Need Request(s) is approved, Covenant will mail a check to the address on file. If your Need Request(s) is denied, you will receive a notice to the address on file.

Is my Monthly Member Gift (MMG) the same as a premium?

No, your MMG is NOT the same as an insurance premium. Insurance, as well as the associated premium, is contractual; at Covenant HealthShare, there are no contracts.

What is my Personal Responsibility Amount Yearly (PRAY)?

The amount not shareable by Covenant HealthShare’s community to individual members on a 12-month basis from the date of program enrollment. A medical need will not qualify for sharing until the total Share Request submitted exceed the member’s PRAY.

How do I meet my Personal Responsibility Amount Yearly (PRAY)?

To give an example, if your PRAY is $5,000, you must pay medical needs adding up to that amount before medical needs may be eligible for member-to-member sharing. It is still important for you to show your ID card at each provider visit; this will allow Covenant HealthShare to keep track of your PRAY.

What happens when I go to a provider?

First, make sure your provider is in-network. To ensure your provider is in network, either call Member Services at (855) 539-1552 or find your program on Covenant’s “Provider Networks” page. After you have verified your doctor is in network, show your membership card to the provider; they will notify Covenant HealthShare of your visit. As with all health care sharing ministries, most bills must be paid at the time of the visit; if your medical need is eligible for sharing, you will receive a check in the mail to cover your medical bill.

Am I required to only use providers in the Member Preferred Provider Group (MPPG)?

No, providers who are outside of the MPPG are eligible for member-to-member sharing within a Covenant HealthShare membership level for services received from providers and/or at facilities that do not participate in the Member Preferred Provider Group* is based on the specific sharing percentage established in the Guidelines for that membership level.

How do I locate a Member Preferred Provider Group (MPPG)?

To ensure your provider is in the MPPG, either call Member Support at 855.539.1552 or find your membership level on Covenant’s “Provider Network” page.