How to Use Your Membership Card 5 1. Read the Membership Guidelines and the enclosed description of the Sharing Program and Membership Discount Services. 2. Keep your membership card with you at all times so it will be easily accessible when needed. 3. You can locate and verify participating providers in your area, by simply calling Member Services at 833-546-4478. You may also visit www.kingdomsharing.org to search for providers. When calling to schedule an appointment, please refer to your membership card for proper network identification when speaking to a participating provider's office. 4. For the Membership Discounted Services listed on the back of your card, you must present your card at the time of service and pay the provider the entire discounted fee. 5. If you have any questions about how to use your membership, call Kingdom Member Services toll-free at 833-546-4478, 7 a.m. to 7 p.m. CST, Monday through Saturday, for prompt and friendly assistance. Free Membership Discount Program Dental Careington International Corporation 1.833.387.9604 Diabetic Care Supplies Better Living Now 1-800-833-0735 Hearing EPIC Hearing 1-866-956-5400 Labs DirectLabs® 1-800-908-0000 Prescriptions EnvisionRX 1-833-546-4478 Preventative Health Screening Life Line Screening® 1-888-813-0433 Vision EyeMed Vision Care 1-833-546-4478 LASIK Vision Correction QualSight LASIK 1-888-582-6696 Vitamins & Nutritional Supplements IDLife 1-972-987-4430 Telemedicine DialCare® DialCare® 1-833-387-9603 This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Membership Guide 6 Welcome! 2 This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 7 1. Membership activated, review your ID card 2. Complete Telemedicine registration download DialCare app or call 1.833.387.9603 3. Prescription Discount Program https://rx.solutionssimplified.com 4. Review Membership Guide Online www.KingdomSharing.org Click “Member Portal” Phone 1.833.546.4478 Email Questions@KingdomSharing.org Dental 1.833.387.9604 IMPORTANT NOTICE. Please ensure you reference the program selected at time of enrollment. The program is also identified in your Welcome Letter, Member Card and your Member portal. If you find that you are not enrolled in the program that best meets your needs, you can request a change within three (3) business days after the Effective Date without any interruption to your program use. These changes can be made by working directly with your representative. Let’s Get Started! PHCS Network 1-800-922-4362 This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Who Is Kingdom HealthShare 8 “Kingdom HealthShare exists to bless people. Our prayer and desire is to bless you!” Alex Cardona, CEO Kingdom HealthShare exists as a witness to the love and faithfulness of God as He provides for the medical needs of His children. Membership in Kingdom HealthShare is open to everyone who agrees with our Statement of Beliefs. By contributing their monthly membership amounts, members are sharing one another’s medical bills and demonstrating the love of God to the entire community. This sharing also demonstrates that the community can come together in mutual love and respect, no matter the background of the individual or family. The staff of Kingdom HealthShare

Statement of Beliefs 9 1. We believe in the sanctity and dignity of every human life, and that every life has a special meaning and purpose. 2. We believe that every individual has the constitutional and religious right to worship God in freedom. 3. We believe and agree in the religious and ethical principle of sharing with those who are less fortunate and who experience medical needs. 4. We believe that every person has the fundamental right to make their own choices about healthcare. 5. We believe and agree that it is our responsibility to God and our fellow members to engage in healthy living, and to avoid habits and behaviors which are harmful to the body. “Carry each other’s burdens and in this way you will fulfill the law of Christ.” This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Individual Sharing Amount Options Program Year  $5,000  $7,500  $10,000 Kingdom Classic 10 SHARING SERVICES BASIC ENHANCED CROWN Preventive Services $0 visit fee $0 visit fee $0 visit fee Primary Care Physician, Pediatric, OB/GYN1 1 Per Program Year $20 visit fee 3 Per Program Year $20 visit fee 5 Per Program Year $20 visit fee Urgent Care Facility 1 Per Program Year $20 visit fee 1 Per Program Year $20 visit fee 2 Per Program Year $20 visit fee X-rays Preventative Only PCP/Urgent Care PCP/Urgent Care Labs / Diagnostic Preventative Only PCP/Urgent Care PCP/Urgent Care Specialists Not Eligible Not Eligible $75 visit fee2 Referral required Telemedicine $0 Consult Fee $0 Consult Fee $0 Consult Fee Prescription Discount Program3 EnvisionRX EnvisionRX EnvisionRX Emergency Room $500 visit fee $500 visit fee $300 visit fee Maternity Not Eligible Not Eligible $50003 Maximum Sharing In/Out Patient Surgery Immediately eligible if life threatening emergency Eligible. 6 mo. waiting period Eligible. 6 mo. waiting period Eligible. 6 mo. waiting period Hospitalization Eligible Eligible Eligible Maximum Limit Per Incident $150,000 $250,000 $500,000 Lifetime Sharing Maximum $1,000,000 $1,000,000 $1,000,000 End of Life Sharing Death Certificate Required Head of Household $6,000. If program includes Spouse and/or Dependents. Spouse $4000, Dependent $2,000 See Program Disclosures for full details, limitations and applicable ISA for all Sharing Services. 1OB/GYN for well woman visits only. 2$75 until ISA is met, then 100% sharing.. 3Natural Delivery, see Maternity. Free Membership Discount Programs3  Dental Discount  Diabetic Care and Supplies  Hearing Discount  Lab Discount  LifeLine Screening Discounts  Vision / Lasik Discount  Vitamins and Supplements Discounts This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Sharing Examples 11 Mary accidently tripped and fell at her son’s soccer game. Mary’s ankle was swelling quickly, she was in a lot of pain and could not walk. Her husband took her to the Emergency Room, she had broken her ankle. Kingdom Classic Crown - $5000 ISA Medical Expenses consideration of cost savings ER, In-Patient Surgery Emergency Room Visit $1,200 Specialist $250 Diagnostic X-ray $500 In-patient Hospital surgery $9,500 Miscellaneous In-patient charges $300 This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 How It Works 12 Member Sharing Needs 1. Member is sick or injured and needs an In-Network Provider. Select PHCS Network. 2. Member presents Member ID Card to Provider. 3. Non-Emergency: Provider calls in for preauthorization. 4. Provider sends medical need to Kingdom. 5. Member receives Explanation of Sharing (EOS). 6. Check is issued to Provider. Member medical needs are processed according to membership guidelines based on the membership program type selected by Members. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Eligible Sharing Descriptions and Limits 13 Medical Expenses Eligible for Sharing. Medically necessary expenses that occur for a Member after the Effective Date. These are medical services from a health care provider which are eligible for sharing in accordance with the Membership Guidelines. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Description of Sharing Services 14 Ambulance. Medical Transportation between facilities is eligible for sharing if medically necessary for emergency services only. Land or air transportation to the nearest medical facility. Maximum sharing of $10,000 per Incident and subject to ISA. Behavioral / Mental Health. For evaluations purposes only. Outpatient ISA applies. Up to a Maximum Sharing of $1500. In-Patient ISA applies. Up to a Maximum Sharing of $3000. Cancer.  Member has never been diagnosed or receive treatment for any type of Cancer, Sharing is Eligible after three (3) months from Effective Date.  Pre-existing or recurring cancer is Not Eligible for Sharing.  Member has been diagnosed or received treatment for Cancer within 5 years of Member application. Cancer is Not Eligible for Sharing. To request Cancer Sharing after the 5-year period has expired, Member must provide the following; Medical reports indicate that the condition had not been treated, future treatment prescribed, recommended or planned. Member has followed the guidelines for preventative screening of cancer and followed guidelines for healthy lifestyle as recommended by attending physician.  Lifetime Maximum Sharing for Cancer is $500,000. Cardiac Rehabilitation. Is eligible for sharing following hospitalization for a cardiac procedure. Must be ordered by a Provider, and must be within 6 months of the procedure. Subject to ISA. Chiropractic care and manipulation therapy. Part of Kingdom HealthShare's continuing commitment to help reduce costs for our Members, when a Member in good standing is diagnosed by a licensed Physician as being in need of surgery to correct a spinal issue, and where the Member requests the option of chiropractic manipulation as an alternative to surgery, such alternative treatment may be eligible for sharing. The Member's Physician must supply Kingdom with the Member's file, X-rays, and a letter stating the viability for chiropractic care to resolve the issue. If approved by Kingdom for sharing, chiropractic care is limited to twenty (20) visits within a six (6) week period of time. Kingdom does not accept sharing tests ordered by a chiropractor. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 15 Emergency Room (ER). Emergency room services for stabilization or initiation of treatment of a medical emergency for life altering or life endangering conditions provided on an Outpatient basis at an Urgent Care Facility or Hospital. If at the Hospital for 24 hours or more, ER will be considered hospitalization and will apply to the Member’s Individual Sharing Amount (ISA).  Basic $500 per visit  Enhanced $500 per visit  Crown $300 per visit End of Life Sharing. Kingdom must be notified to assist in time of need. A copy of death certificate is required. Head of Household $6,000 Maximum Sharing Spouse $4,000 Maximum Sharing. Must be enrolled in Kingdom Dependent $2,000 Maximum Sharing. Must be enrolled in Kingdom. Explanation of Sharing (EOS). A statement sent to the Member and Provider(s) once your sharing of medical needs has been approved, pending or denied. Home Health Care. Home Care is eligible if considered a need by a eligible Provider following a Hospital stay. Home Care is limited to 30 calendar days from the Date of Service of In-patient. Individual Sharing Amount (ISA.) The ISA is what the Member is responsible to meet before certain services are eligible for sharing. (see product details for ISA applicability). ISA applies to Program Year. In-Patient / Hospitalization. 100% eligible for sharing up to the per Incident maximum after you meet your ISA. Laboratory Services and Diagnostic. Included at any lab facility.  Basic Preventative  Enhanced PCP or Urgent Care fee applies  Crown PCP or Urgent Care fee applies Maternity. Medical needs for the mother’s care pertaining to prenatal or infant delivery, and initial, routine Hospital expenses for the infant.  Basic Not Eligible  Enhanced Not Eligible  Crown Waiting period of nine (9) months before a maximum sharing amount of $5000 for natural delivery is eligible. Elective C-Section of delivery are shared up to a maximum of $8,000. Complications of delivery are shared up to a maximum of $50,000. Description of Sharing Services This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Description of Sharing Services 16 Maximum Sharing. Lifetime program Maximum per person $1,000,000. Once this limit has been met, the program has been exhausted. Maximum Limit Per Incident  Basic  Enhanced  Crown $150,000 $250,000 $500,000 Optional $500,000 Maximum Per Incident. Additional Monthly Contribution Amount applies. Member/$130 mo., Member + 1 /$230 mo., and Family / $330 mo. Newborn. Childbirth see Maternity for Eligibility. Newborn is eligible after birth and must be added to the program as a Dependent within 31 days of birth. Subject to ISA. Non-Hospital Admissions. In-patient admission to a skilled nursing Facility or rehabilitation facility is eligible for sharing if ordered by a qualified Provider for an eligible condition in order to provide care that would otherwise need to be provided in an acute care setting. Maximum Sharing of 10 days per Program Year. Organ Transplants. A maximum of $150,000 limit. Multiple organ transplants will be reviewed for consideration on a case by case basis. Outpatient Therapy. If a condition is related to an eligible diagnosis, ordered by an eligible Provider, and performed by a licensed therapist, it is Eligible for sharing. Up to 10 visits per Incident.  Physical (PT) Occupational Therapy (OT) Speech Therapy (ST) Pediatrics / OB/GYN Visits. See Primary Care Physician Office Visits. Physicals. See Physician Office Visits for annual examinations performed without relationship to treatment or diagnosis for a specific illness or injury are immediately available. All other physicals are available for sharing after 9 months from Effective Date. PPO Network. PHCS Network. The largest Provider of PPO (Preferred Provider Organization) networks in the nation. Pre-Authorization. Non emergency surgery, procedure or test must have pre-authorization. Failure to comply may render a loss of sharing. Pre-Existing Condition 24/24. A chronic or recurrent medical condition that exists within 24 months prior to Effective Date. Prescriptions. Outpatient maintenance pharmaceuticals and over-thecounter medications (whether prescribed or not) are not shared beyond any pharmaceutical discount programs that Kingdom HealthShare may… This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Description of Sharing Services 17 Prescriptions cont. offer. See Additional Membership Discount Services for your prescription discount program, EnvisionRX Preventative Services for Adults  Abdominal Aortic Aneurysm  Alcohol Abuse  Blood Pressure Screening  Cholesterol Screening  Colorectal Cancer Stool Test Depression Screening  Type II Diabetes Screening  Diet Counseling  HIV Screening  Obesity  Sexually Transmitted Infection  Tobacco Use  Syphilis Preventative Services for Children  Hematocrit/Hemoglobin  Alcohol and Drug Use Assessment  Autism  Behavioral Assessment  Blood Pressure  Cervical Dysplasia  Congenital Hypothyroidism  Depression  Dyslipidemia  Fluoride Chemoprevention  Gonorrhea  Hearing  Height, Weight, and BMI  Hemoglobinopathies/Sickle Cell  HIV  Immunization  Iron  Lead  Medical History  Obesity  Oral Health  Phenylketonuria  Sexually Transmitted Infection  Tuberculin  Vision Preventative Immunizations and Injections  DtaP  Hemophilus  Hepatitis A, B  Herpes Zoster  Human Papillomavirus  Inactivated Poliovirus  Influenza, Influenza Type B  Measles, Mumps, Rubella  Meningococcal  Pneumococcal  Rotavirus  Tetanus, Varicella Preventative Services for Women  Anemia Screening  Bacteriuria Screening  BRCA Counseling  Breast Cancer Mammography  Breast Cancer Chemoprevention  Breast Feeding  Cervical Cancer  Chlamydia Infection  Contraception  Domestic Violence  Folic Acid  Gestational Diabetes  Gonorrhea  Hepatitis B  HIV  HPV Testing, every 3 years  Sexually Transmitted Infections  Syphilis  Tobacco Use  Well Woman Visits This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Primary Care Physician Visit. Visits provided by Licensed Medical Professional for the diagnosis, treatment, management or prevention of an illness or injury. The amount of Physician Office visits are not combined, they are per individual on the program  Basic.  Enhanced  Crown 1 visit per program year 3 visits per program year 5 visits per program year $20 visit fee $20 visit fee $20 visit fee Prosthesis: If ordered by a Provider for an eligible need, member sharing is available for prosthetic treatment program per member. Prosthesis needs are subject to review, and replacement, repair and maintenance of prosthesis are not eligible for member sharing. $1500 Maximum Sharing. Sleep Apnea Studies: If ordered by a Provider for an eligible need, Sleep Apnea Studies are eligible for member sharing. The Provider must submit the case study history with the referral for the sleep study. Sleep studies ordered for insomnia are not eligible for member sharing. Specialist Visits.  Basic  Enhanced  Crown Not Eligible Not Eligible Referral is required. $75 visit fee per Outpatient visit, once ISA is met, specialist are eligible for sharing at 100%. Inpatient visits are subject to ISA. Surgery. Surgery is 100% eligible for sharing up to the per Incident maximum after you meet your ISA.  Basic 6 month waiting period from Effective Date  Enhanced 6 month waiting period from Effective Date  Crown 2 month waiting period from Effective Date Sharing is Eligible immediately if life threatening emergency for illness or injury. Urgent Care. Visits are available on all three tiers of Kingdom Classic. The amount of Urgent Care visits are not combined among the Members on the program, and it has its own set of visits per program year.  Basic.  Enhanced  Crown 1 visit per program year 1 visit per program year 2 visits per program year $20 visit fee $20 visit fee $20 visit fee X-rays.  Basic  Enhanced  Crown X-rays, MRI, CT Scan, and other diagnostic imaging. ISA applies before sharing eligibility. Preventative only. In Primary Care or Urgent Care office, PCP or Urgent Care fee applies. 18 This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Free Membership Discount Programs 19 Dental Discount program. Members may take advantage of savings offered by an industry leader in dental care. Careington is one of the most recognized professional dental networks in the nation and boasts one of the largest dental networks nationally with a focus on neighborhood dentists. Careington networks are a leader in member-transparent pricing with robust fee schedules. Adult cleaning average can be as high as $126, and as low as $47 with Kingdom supplemental option.  Save 20% to 60% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentures, root canals, and crowns  20% savings on orthodontics including braces and retainers for children and adults  Cosmetic dentistry such as bonding and veneers also included  All specialties included—Endodontics, Oral Surgery, Orthodontics, Pediatric Dentistry, Periodontics, and Prosthodontics – a 20% reduction on normal fees where available  All dentists must meet highly selective credentialing standards based on education, background, license standing and other requirements  Members may visit any participating dentist on the plan and change providers at any time How to Access Discounts Step 1. To locate a participating provider, call toll-free 1-833-546-4478 or go online to access the online provider search. Step 2. Members call to make an appointment with the participating provider. The member must show their membership card at the time of visit to receive the discount. Step 3. Pay the bill. The member is responsible for the total bill, less the applicable savings, at the time service is rendered. Diabetic Supplies, Better Living Now Inc. (BLN) is a managed care provider of health care products and services, specializing in the needs of patients with chronic conditions, offering 20%-40% off the retail price for disposable medical supplies. NO shipping charges for orders that are $100 or more. Continue on next page. The following Careington discount plan services on pages 19-22 are available in all Kingdom Classic programs. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Free Membership Discount Programs 20 Diabetic Supplies continued. For more information or to place an order, please call toll free 1-800-833-0735, 8 a.m. to 10 p.m. Monday – Friday, and 9 a.m. to 10 p.m. Saturday, CST. Identify yourself as a Careington International Member. No complicated forms to fill out and NO inconvenient trips to the pharmacy. Hearing Care, EPIC.  As a Member, you now have access to hearing aid discounts from 30% to 60% at over 5,000 EPIC Hearing network providers nationwide.  You have a 45-day, no-obligation trial period on products purchased. If not completely satisfied, your money will be refunded (less a “Clinic Fee” for professional services).  To unlock additional savings, visit www.listenhearlivewell.com and complete fun educational hearing activities.  For information about the program or to schedule an appointment, please call EPIC Hearing at 1-866-956-5400 to speak with a customer service representative. Please identify yourself as a member by referencing the source code: CARE. Lab Discount Program, DirectLabs. Your discount lab program from Direct Labs provides savings from 10% - 80% off blood and lab procedures at over 2,000 facilities located nationwide - Not available in HI, MD, NY, NJ, RI or MA. ND, SD & VT offer Specialty Lab testing only. To schedule a laboratory test or procedure, please call 1-800-908-0000, let the representative know you are a Careington member and give them the discount code: R-DLAO. You can also order your tests online at www.directlabs.com/careington. If it is your first time visiting this site, you will need to click “register” at the top of the page and input your information. Otherwise, click “login” to begin ordering and scheduling any test you may need. LifeLine Screening. Provides affordable, convenient, high-quality screenings that are essential to the early detection of risk for stroke, heart disease, diabetes, osteoporosis, and other conditions. A comprehensive array of low-cost, high-quality health screening services is available for you to choose from. These services will help you and your family be proactive about your health. None of the services are available in AK or HI, and blood screenings are not available in MD, NV or RI. To access your program, please call 1-888-813-0433 to see when the screening will be available in your area or visit www.lifelinescreenings.com/carediscount This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Free Membership Discount Programs 21 Prescriptions, EnvisionRX. Members will have access to prescription drug savings between 15% to 80% on generic drugs and 15% to 25% on brand name drugs at over 60,000 participating pharmacies nationwide including CVS, Walgreens, RiteAid, Walmart, and Kroger, along with many other grocery chains and independent retailers. Members can visit http://rx.solutionssimplified.com or call 1-833-546-4478 and a representative will be able to assist them. To receive the discount, the member simply presents their membership card to the pharmacist at the time of service. Telemedicine, DialCare. $0 Consult Fee on all Kingdom Classic Programs. DialCare Program is not a Sharing Service or discount program. DialCare is a modern, easy-to-use telemedicine solution for non-emergency illnesses and general care. You and your family have direct access to state-licensed and fully credentialed doctors, via phone or video consultations, to receive treatment and advice for common ailments. Doctors are available 24 hours a day, 365 days a year, allowing you and your family convenient access to quality care from anywhere.  Allergies  Asthma  Cold & Flu  Digestive Conditions  Ear Infection  Fever  Gout  Insect bites  Joint, aches & pains  Rashes  Sinus Infections  Skin Inflammation  Sports injuries  Urinary tract Infections  And more… Vitamins and Supplements, IDLife. IDLife has developed a one-of-a-kind individually designed nutritional program seventeen years in the making that provides each person exactly what he or she needs when they need it. Simply take a free, thorough and confidential assessment, based on your diet, lifestyle, body type, physical condition, health issues and medications, to receive a personalized supplement recommendation.  As a member you will receive 10% off the retail price of this supplement recommendation, along with 10% off all other products available including sleep strips, meal replacement shakes, appetite chews and much more!  To access these savings, please visit www.careington.idlife.com and click “Take Your Free Assessment Now!” to get started. If you have any issues with the website or have any additional questions, call 972-987-4430 for more information. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Free Membership Discount Programs 22 Vision Discount program, EyeMed.  Members save 20% to 40% off the retail price of eyewear with the EyeMed Vision Care Access Plan D discount program through the Access network. Members are eligible for discounts on exams, eyeglasses and contact lenses from more than 65,000 providers nationwide including independent optometrists, ophthalmologists, opticians and leading optical retailers such as LensCrafters®, Sears Optical®, Target Optical®, JCPenney® Optical and most Pearle Vision® locations.  Locate the EyeMed provider most convenient for the member by calling Member Services at 1-833-546-4478 or through the website at www.kingdomsharing.org. QualSight LASIK. Serving you with Choice, Quality and Savings.  QualSight has more than 800 locations, so you can choose the provider and the LASIK procedure that meets your vision care needs.  QualSight is contracted with credentialed and experienced physicians who have collectively performed over 4 million procedures.  You will receive a savings of 40% to 50% off the overall national average cost for Traditional LASIK surgery through QualSight or received significant savings on newer procedures like Custom Bladeless (all laser) LASIK.  Call 1-888-582-6696 or visit http://qualsight.com/careington to speak with a QualSight Care Manager. Your Care manager will explain the entire program and answer any questions you may have.  Select a preferred provider from the list of credentialed and experienced ophthalmologist in your area. The program is not an insured program. Not available in MT. Disclosure: For full disclosures of Careington discount plan services, please Go To pages 39 - 41 of the Membership Guide. THE CAREINGTON DISCOUNT PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Not Eligible for Sharing 23 If a medical need is related to a diagnosis, treatment or procedure that is Ineligible for sharing in any way, that medical need is also Not Eligible. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Not Eligible for Sharing 24 This list includes but not limited to the following:  Abortion  Any condition suffered as a result of any act of war or while on active or reserve military duty  Any condition, disease, illness or injury that occurs in the course of employment, if the employee, employer or carrier is liable or responsible for the specific medical charge (1) according to a final adjudication of the claim under a state's workers' compensation laws, or (2) by an order of a state Industrial Commission or other applicable regulatory agency approving a settlement agreement  Any services that would not be necessary if a non-covered service had not been received, except for emergency services in the case of an emergency  Birth Control. Male elective or reversal of sterilization  Cosmetic Surgery  Dental Services except of emergency services due to an injury  Diabetic insulin, supplies and syringes  Durable medical equipment  Experimental or investigational drugs, treatments, procedures  Extreme sports, professional sports. Sports that voluntarily put an individual in a life-threatening situation. Sports such as but not limited to “free climb” rock climbing, parachuting, fighting, martial arts, racing, cliff diving, powerboat racing, air racing, motorcycle racing, extreme skiing, wingsuit, and similar.  Experimental drugs or any drugs not approved by the Food and Drug Administration (FDA) for the applicable diagnosis or treatment. Note: This exclusion does not apply to certain drugs used in covered phases I, II, III and IV clinical trials or which meet certain criteria – see benefit booklet for more detail.  Experimental services including services whose efficacy has not been established by controlled clinical trials, or are not recommended as a preventive service by the US Public Health Service This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Not Eligible for Sharing 25  Gender Dysphoria  Genetic Testing  Home Infusion Services  Hospice Care  Infertility Diagnostic, treatment or services  International Care  Long Term Care  Routine Hearing Exams & hearing aids  Podiatry Services  Private Duty Nursing Services  Self Inflicted Injury  Services that are investigational in nature or obsolete, including any service, drugs, procedure or treatment directly related to an investigational treatment  Sexual Dysfunction Services  Sexual Transformation Services  Substance Abuse This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 26 "So God created human beings in his own image.” Genesis 1:27 Kingdom Guidelines This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Kingdom Guidelines 27 Coordination of payments. If you have an insurance policy in addition to participating in the Kingdom HealthShare program the following will apply:  All medical expenses must be first submitted to the other payers. Once a decision has been made by the other party, you may then submit the expenses for an eligibility determination under your sharing membership. Proof of decision from the other payer will be required when submitting the expense. If proof is not submitted, your sharing request will not be considered. Your expense sharing request will be reduced by the amount that was received from the other party. If there is a delayed reimbursement from another liable party, the amount received must be forwarded to Kingdom to help other member’s needs, this amount must be up to or equal to the amount that was shared by Kingdom.  If a member participates in more than one health care sharing ministry, expense sharing may only be requested from one of the ministries at a time. The program where the member has participated the longest will have first responsibility to review and share in the medical need. Should there be any unpaid amounts, those can then be submitted to the second ministry for sharing. Proof will be required of the amount shared by the first ministry for consideration under the Kingdom program. Ending Membership. If you wish to end your membership in the Kingdom programs, you are required to submit notice to Kingdom in writing 15 days prior to the end of your current month. Your sharing opportunity will end the last day of your current month. Modifying Membership Size. To modify your membership with the Kingdom program, whether increasing or decreasing, a written request must be made. If the request results in an increase of membership Contribution Amount or reduction you will be notified in writing. Acceptance of these new terms must be made prior to your next monthly contribution. If a refund is due, it will be processed according to the refund policy. Your expense sharing will either end/begin on the date your change goes into effect. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Kingdom Guidelines 28 Other Available Assistance. If a non-governmental, secular, religious, or fraternal organization is willing to pay any portion of a qualifying medical bill and the member refuses to accept this payment, the member has then chosen not to have that portion of the bill shared. Funds raised by crowdfunding for shareable medical expenses must be reported to Kingdom and will be applied to reduce the shareable amount. If government assistance is available, the member must (a) accept it, or (b) forfeit sharing eligibility for the portion that the government program would have covered. If Medicaid is available, it must be used prior to Kingdom HealthShare sharing the expenses. Restarting your membership. If your membership is terminated and less than 30 days have elapsed since your termination and no sharing need has occurred, we require that you submit written request to our member services team for consideration of reinstatement and pay any missed contribution and your membership will be treated as if it never ended. If a sharing need has occurred, it will be treated as a new membership and all existing health conditions will be subject to the pre-existing limitations defined within the respective program. You may be required to pay a new enrollment fee, which is non-refundable. If the termination of your membership has lapsed for more than 30 days, your request for reinstatement will be handled as a new membership and will be subject to all membership provisions within your respective program including pre-existing limitations. You will be notified in writing of the decision of your request to reinstate membership. You may be required to pay a new enrollment fee, which is non-refundable. Submission of a sharing request. Providers will usually allow a discount of expenses if consideration is made within 30 days of treatment. To allow Kingdom to be in the best position to obtain these reductions, we request that expenses be submitted to Kingdom within 30 days. If submission of a sharing request is made more than 365 days from incurrence of the expense it will not be considered for sharing. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Kingdom Sharing Disclosures 29 If medical records show you have presented inaccurate data regarding tobacco use, weight condition, or any other medical condition we reserve the right to terminate membership. Kingdom Programs are not available for children under the age of 18 as the head of household. Monthly Contributions Amounts. For families of 6 or more $45 per additional Member per month will be applied. Pre-Existing condition Limitation: (24/24) A chronic or recurrent medical condition that exists within 24 months prior to Effective Date. Eligibility for a Pre-Existing Condition has a 24 month waiting period. Program Change. One Program change allowed per program year. Any additional program change within the Program year will include application fee. Program Year. Membership program year is defined as twelve months from the Effective Date. Each additional program year will begin on the anniversary of the Effective Date. Program Year applies to all Sharing Services excluding Lifetime Maximum Sharing. State Availability. Sharing Services are not available in the states of MD, MA and VT. Go to www.kingdomsharing.org/disclosures for the most current state regulations. Statement of Beliefs. Kingdom reserves the right to deny Sharing if Member does not adhere to the Statement of Beliefs. Tobacco Use: If a Member uses tobacco in any form, (this includes vaping of any nicotine products) any health related issues will be treated as a preexiting condition and are Not Eligible for Sharing. There will be $60 per Member increase in monthly Contribution Amount. Should the Member become tobacco free for 12 consecutive months the Member Contribution Amount will reduce to the non-tobacco use Contribution Amount . If however, the Member continues to use tobacco in any form after 24 months, we reserve the right to terminate the Member. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 30 Definitions of Terms 31 Terms and Conditions 36 Careington Discount Membership Agreement 39 HIPAA 42 Legal Notices 43 Legal Terms, Conditions and Notices This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Definition of Terms 31 Alternative Care. Healthcare services or facilities which "deliver" care that is more cost-effective than that provided in a Hospital. Alternate Delivery Systems may include skilled nursing facilities, hospice programs and home health care services. Any medical practice or form treatment not generally recognized as effective by the medical community at large. Annual Physicals. Examinations are performed that are not considered medically necessary to treat an illness or injury. Behavioral / Mental Health. Full range of mental and emotional well-being from the basics of how we cope with day-to-day challenges of life, to the treatment of mental illnesses, such as depression or personality disorder, as well as substance use disorder and other addictive behaviors. Cancer. A disease caused by an uncontrolled division of abnormal cells in a part of the body. Chronic. A condition is one that is permanent, recurring or long lasting, as opposed to an acute condition. Complications of Pregnancy. Conditions due to pregnancy, labor and delivery that require medical care to prevent serious harm to the health of the mother or the fetus. Morning sickness and a nonemergency caesarean section aren’t complications of pregnancy. Contribution Amount. The agreed upon monthly fees paid by Primary Member for Sharing Services of medical needs. A fixed dollar amount during the program annual period. This amount will be paid by Member before Kingdom reviews Sharing Services for consideration. Date of Service. The date on which a healthcare service was provided. Dependent. An individual must be either the Primary Member's spouse, daughter, son, stepchild, adopted child, or eligible foster child. A child Dependent is under age 20 at the end of the year, is enrolled in school or continuing education under age 27 at the end of the year, or disabled. Effective Date. The date a Member is eligible for sharing. Eligible Sharing Need. The charge for a medical service or supply provided according to the terms Membership Guidelines, approved for sharing and whose sharing need amount does not exceed the program limits. Emergency Room. Emergency room services for stabilization or initiation of treatment of a medical emergency for life altering or life endangering conditions provided on an Outpatient basis at a Urgent Care Facility or Hospital. End of Life Sharing. Upon the death of a Member, a copy of death certificate is required. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Definition of Terms 32 Explanation of Sharing (EOS). A statement sent to the Member and Provider(s) once your sharing of medical needs have been processed, are pending, or denied. Facility. Refers to any Facility that provides medical services on an Outpatient basis, whether a Hospital-affiliated or independent Facility. Head of Household. The Head of Household is the eldest Member enrolled and is responsible for payment of Contributions. Home Health Care. Range of health care services that can be given in your home for an illness or injury. Hospital. An institution that is licensed, providing medical and surgical treatment and nursing care for sick and injured, for the study of disease, and for the training of Physicians, nurses, and allied health care personnel. The institution provides 24 hour a day nursing service by Registered Nurses. It is accredited by the Joint Commission on Accreditation of Hospitals sponsored by the AMA and the AHA. The requirement of surgical facilities shall not apply to a Hospital specializing in the care and treatment of mentally ill patients, provided such institution is accredited as such a Facility by the Joint Commission on Accreditation of Hospitals sponsored by the AMA and the AHA. Hospital shall also have the same meaning, where appropriate in context, set forth in the definition of “Ambulatory Surgical Center.” Incident. An injury or illness of Member that requires medical attention from a licensed Provider. Individual Sharing Amount (ISA) The portion of an eligible medical need that does not qualify for sharing. ISA applies to Program Year. Ineligible. Not eligible for sharing and not subject to the ISA. Laboratory Services. A medical laboratory or clinical laboratory is a laboratory where tests are usually done on clinical specimens in order to obtain information about the health of a Member as pertaining to the diagnosis, treatment, and prevention of disease. Lifetime Program Maximum. The maximum amount of sharing per Member for the life of the program. Once the limit is met, the program is exhausted. Marriage. The spiritual and legal union under the covenant of matrimony and the laws and regulations of the state in which such union was formed. Maternity. Medical needs for the mother’s care pertaining to prenatal or infant delivery, and initial, routine Hospital expenses for the infant. Maternity does not include Complications of Pregnancy or medical needs for the infant beyond routine Hospital expenses, neither of which is subject to Maternity provisions of the Sharing Guidelines. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Definition of Terms 33 Maximum Eligible Sharing. The eligible amount to be shared for a specific medical need under the terms of Membership Guidelines. Medical Expense. The charge(s) or expense(s) for medical services from a Provider, or an approved practitioner of alternative treatments, arising from an injury or illness for a Sharing Member, and the fees incurred by Kingdom to reduce such charges or expenses. Medically Necessary Service. Those health services provided by a Provider for the purpose of preventing, diagnosing, treating an injury or illness according to the accepted standards of medical practice. Medically Necessary or Medical Necessity. Health care services that a Provider exercising clinical judgment, would provide to a patient. The service must be: 1. For the purpose of evaluating, diagnosing or treating an illness, injury, disease or its symptoms. 2. In accordance with the generally accepted standards of medical practice 3. Clinically appropriate, in terms of type, frequency, extent, site, duration, and considered effective for the patient's illness, injury, or disease 4. Not primarily for the convenience of the patient, health care Provider, or other Physicians or health care Providers 5. Not more costly than an alternative service or sequence of services at least as likely to produce equivalent therapeutic or diagnostic results as to the diagnosis or treatment of that patient's illness or injury. Member. A Sharing Member participating by himself or herself; and/or their spouse, and/or a child(ren) enrolled by a parent or guardian, who certifies that he/she takes financial responsibility for the child(ren)’s sharing membership and who signs the enrollment application on behalf of the child(ren). Monthly Contribution Amount. The monetary contribution voluntarily given to share in another Member’s Medical Expense need as assigned by Kingdom according to the Sharing Guidelines. Newborns. Eligible during the first thirty-one (31) days after birth and Adopted Children are covered during the first thirty-one (31) days from the date the Primary Member, enrolled spouse, or enrolled Domestic Partner is granted the right to control health care for an Adopted Child. Not Eligible for Sharing. Provider charges Not Eligible for Sharing, including charges in excess of the Maximum Eligible Amount, or other Ineligible charges as established by the Sharing Guidelines. Organ transplants. An operation in which a bodily organ is transplanted This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718 Definition of Terms 34 Outpatient. A Member who receives Services at a Hospital but is not admitted as a registered overnight patient; this must be for a period of less than twenty-four (24) hours. This term can also be applicable to services rendered in a FreeStanding Facility or Hospital-Affiliated Facility. Physician Office Visit. Licensed Medical Professional/Physician Office visits for the diagnosis, treatment, management or prevention of an illness or injury. Physician. A person who is licensed to perform certain medical services issued by a state medical board. PPO Network. PHCS Network. The largest Provider of PPO (Preferred Provider Organization) networks in the nation. Preauthorization. A process in which your health program requires you or your health care Provider to get approval for certain medical services before agreeing to cover the service. Pre-Existing Condition. A chronic or recurrent medical condition that exists at or prior to Effective Date, or can be reasonably expected to require medical intervention in the future. Prescriptions. Any drug written by a medical practitioner that authorizes a Member to be provided a medicine or treatment. Preventative Services. Routine health care that includes check-ups, patient counseling and screening to prevent illness, disease and other health-related problems. Subject to USPSTA. Primary Care Physician. A physician in family practice, internal medicine, obstetrics/gynecology, or pediatrics who is a patient's first contact for health care in an ambulatory setting. Program Year. Membership Program Year is defined as twelve months from the Effective Date. Each additional program year will begin on the anniversary of the Effective Date. Program Year applies to all Sharing Services excluding Lifetime Maximum Sharing and Maximum Limit Per Incident . Prosthesis. An artificial device to replace or augment a missing or impaired part of the body. Shared Services. The documentation that describes the types of medical needs shared by Members, and how Kingdom functions to facilitate that sharing. This is not insurance. This program is ACA exempt. © 2018 Kingdom HealthShare Ministries, LLC v.110718