Melita Christian Fellowship Hospital Aid Plan

A HEALTH CARE SHARING MINISTRY THAT PROVIDES AN ALTERNATIVE WAY TO FUND HEALTH CARE COSTS WHILE PROTECTING AND PRACTICING OUR CATHOLIC BELIEFS.

THE ORGANIZATION'S REVENUE DOES NOT INCLUDE THE $22,010,430 DEPOSITED IN MEMBERS INDIVIDUAL SHARING ACCOUNTS.THE ORGANIZATION IS A HEALTHCARE SHARING MINISTRY THAT ENGAGES IN RELIGIOUS AND EDUCATIONAL ACTIVITIES, PROMOTES HEALTH, AND ADVANCES SOCIAL WELFARE. THE HEALTHCARE SHARING MINISTRY WAS INITIALLY FOUNDED BY THE MELITA CHRISTIAN FELLOWSHIP AND LATER EXPANDED TO INCLUDE PERSONS WHO FOLLOW CATHOLIC SOCIAL TEACHINGS. MEMBERS ARE JOINED TOGETHER BY A SHARED RELIGIOUS FAITH AND COMMON GOAL OF MUTUAL AID AND FINANCIAL SHARING. BECAUSE JESUS CHRIST COMMISSIONED HIS DISCIPLES NOT ONLY TO PREACH THE GOSPEL BUT TO HEAL THE SICK (MATTHEW 10:8), CONCERN FOR THE BODY IS OF UTMOST IMPORTANCE FOR CHRISTIANS, PARTICULARLY FOR CATHOLICS. INFORMED BY CATHOLIC SOCIAL TEACHING, THE ORGANIZATION ASSISTS ITS MEMBERS IN ACCESSING MEDICAL CARE, EVEN AFTER A MEMBER DEVELOPS A MEDICAL CONDITION. THE ORGANIZATION'S HYBRID REPRICING STRATEGY THAT INCLUDES REFERENCE BASED DISCOUNTS ON MEDICAL BILLS, MEDICAL BILL REVIEW, SINGLE CASE AGREEMENTS, AND PREFERRED PROVIDER RELATIONSHIPS HELPS TO REDUCE THE TOTAL COST OF MEDICAL EXPENSES ON BEHALF OF OUR MEMBERS. MEMBERS SUBMITTED $75,453,269 IN ELIGIBLE MEDICAL BILLS FOR SHARING TO THE ORGANIZATION. THE ORGANIZATION'S DISCOUNTING EFFORTS REDUCED THE BILLS BY 66% TO $24,860,509. SINCE ITS INCEPTION, THE ORGANIZATION HAS HELPED FACILITATE THE VOLUNTARY SHARING AMONG MEMBERS OF MORE THAN $120 MILLION, IN SATISFACTION OF OVER $300 MILLION OF MEDICAL EXPENSES, WHILE ALSO WORKING TO PROTECT THE CONSCIENCE RIGHTS OF ITS MEMBERS AND PROMOTE THE COMMON GOOD OF ALL BY ADVOCATING FOR MORE TRANSPARENT PRICING IN THE HEALTHCARE MARKETPLACE.MEMBERS OF THE ORGANIZATION SUBMIT A MONTHLY CONTRIBUTION CONSISTING OF A MONTHLY SHARE AMOUNT, ADMINISTRATIVE FEE AND PROGRAM SERVICES FEE. PREVIOUSLY, THE MONTHLY SHARE AMOUNT WAS REPORTED ON THE 990 AS INCOME TO THE ORGANIZATION SINCE THE MONEY FOR SHARING WAS DEPOSITED INTO A CUSTODIAL ACCOUNT ON BEHALF OF THE MEMBERS. STARTING IN SEPTEMBER 2020, THE MONTHLY SHARE AMOUNT RECEIVED FROM MEMBERS WAS DEPOSITED INTO SEPARATE MEMBER ESTABLISHED ACCOUNTS AT HELD BY A THIRD-PARTY CREDIT UNION. THE ACCOUNTS ARE OWNED BY THE MEMBER AND THE CREDIT UNION ACTS AS A FIDUCIARY FOR THE MEMBER. SINCE THESE NEW ACCOUNTS ARE HELD AS A FOR BENEFIT OF (FBO) ACCOUNT ON BEHALF OF THE MEMBER BY THE CREDIT UNION AND THE SHARING DOLLARS CAN ONLY BE USED FOR SHARING MEDICAL EXPENSES AMONG ALL OF THE MEMBERS, IT WILL NO LONGER BE REPORTED AS INCOME TO THE ORGANIZATION BUT WILL STILL BE REPORTED ON THE 990 AND THE YEARLY AUDITS AS SUPPLEMENTAL INFORMATION.THE ORGANIZATIONS REVENUE DOES NOT INCLUDE THE $22,010,430 DEPOSITED IN MEMBERS INDIVIDUAL SHARING ACCOUNTS.THE ORGANIZATION PROVIDES SERVICES TO OUR MEMBERS TO ASSIST THEM IN ACCESSING MEDICAL CARE TO INCLUDE A HYBRID REPRICING STRATEGY THAT INCLUDES REFERENCE BASED DISCOUNTS ON MEDICAL BILLS, MEDICAL BILL REVIEW, SINGLE CASE AGREEMENTS, AND PREFERRED PROVIDER RELATIONSHIPS TO REDUCE THE TOTAL COST OF MEDICAL EXPENSES ON BEHALF OF OUR MEMBERS. WE ALSO PROVIDE SERVICES FOR CARE NAVIGATION, CARE COORDINATION, NURSE MEDICAL REVIEW, BALANCE BILL DEFENSE, PASTORAL CARE SUPPORT, AND MEMBER EDUCATION. MEMBERS SUBMITTED $75,454,269 IN ELIGIBLE MEDICAL BILLS FOR SHARING TO THE ORGANIZATION. THE ORGANIZATION'S DISCOUNTING EFFORTS REDUCED THE BILLS BY 66% TO $24,860,509. THE SHARING OF THE ELIGIBLE MEDICAL BILLS INCLUDES SHARING MEMBERS' MONTHLY CONTRIBUTIONS (DEPOSITED IN THEIR INDIVIDUAL MEMBER OWNED ACCOUNTS) AND AN ANNUAL UNSHARED AMOUNT PAID DIRECTLY BY MEMBERS TO MEDICAL PROVIDERS, BOTH TOGETHER ACCEPTED AS FULL AND COMPLETE SATISFACTION OF THE MEMBERS' MEDICAL BILLS. IN 2020, THE ORGANIZATION SUCCESSFULLY IMPLEMENTED A NEW SUITE OF SOFTWARE TO BETTER MEET THE NEEDS OF ITS MEMBERS. THIS INCLUDED A NEW VIRTUAL SHARE EXCHANGE WHICH INCLUDES THE INDIVIDUAL FBO ACCOUNTS FOR MEMBERS, A MEMBER CARE PORTAL FOR MEMBER SELF-SERVICE AND SUPPORT, AND SOFTWARE SYSTEM FOR GENERAL OPERATION OF THE MINISTRY INCLUDING A MUCH IMPROVED MEDICAL NEEDS PROCESSING SYSTEM.