Preventive Services Membership Center... · Note: Needs Processor is located in the back of this guide and on your ID card. Who is Free Market Administrators? Free Market Administrators

SHARING INFORMATIONPreventive Services Membership

This is NOT Insurance.

Please read through the following product information to learn what health care expenses are shared and how to access services.

Preventive Basic Community Based Health Sharing

Included in this membership:

Preventive Services Sharing • Preventive Services

Other Vendor Programs

• True Rx Discount• SHARx Prescription Advocacy Program• Assurance Telecare—Powered by MyTelemedicine• Karis360• Fair Price Labs • Sherpaa—Virtual Physician Access• Prioritize Wellness• My Virtual Doctor—Durable Medical Equipment

Health Care Access VendorsWho is Alliance for Shared Health?

Alliance for Shared Health (ASH) is a 501(c)3 non-profit health sharing ministry designed to provide a member sharing program for access to specific health care needs. Members share in medical needs per the ASH Guidelines in this booklet. Your member monthly contribution may be collected by a third party and sent to ASH on behalf of the members.

Members voluntarily submit contributions to the program on a monthly basis in order to maintain eligibility for sharing of medical needs, and also for the funds they submit to help share in the needs of others per these guidelines. Alliance for Shared Health acts as a neutral third party to facilitate (Free Market Administrators—FMA) the need request payments per member guidelines, and may use vendors, at its discretion and through the direction of its vendor consultant, to strengthen and support the needs of its members.

ASH offers programs to support other health share programs or for those that do not have access to adequate medical coverage. ASH contracts with third party consultants for vendor selection and to help spread the word about the various sharing levels ASH offers to its participants.

Statement of BeliefsAlliance for Shared Health (ASH) members share a common deep-seated ethical/religious belief. ASH members place supreme importance on the pursuit of sharing in each other’s health care needs and the sharing of expenses as it relates to those needs. ASH reaches across all races, denominations, political spectrums, and all beliefs in God to assist with an innate need we all share—to help each other through the heavy burden of health care access and cost. It is out of this religious spirit that Alliance for Shared Health was formed. While we have needs individually, as we collectively come together, tenaciously pursuing a common spiritual passion to help others in need, our own needs get met. In this way, ASH members positively impact not just their own life, but the life of so many others as well.

ASH members share a common set of religious and ethical beliefs as it pertains to the above.

In order to participate in ASH, members must attest to the following core beliefs

• Of supreme importance to ASH members is the need to unite in a spirit of compassion, regardless of race, denomination, age, gender, sexual persuasion, or political affiliation. This compassion is displayed specifically in the area of sharing health care expenses.

• We are bound by a common passion to use our collective resources to help people struggling with the financial, physical, and emotional burden of health care expenses.

• We believe it is our right to direct our own health care, free from government dictates, restraints, or oversight, and want to be a part of a health share community whose mission is to assist members through their personal health care challenges.

• ASH members agree to be bound by the established member guidelines and sharing levels, as well committing to monthly contribution levels based upon the sharing level they individually choose.

• ASH members understand that their participation is voluntary and does not represent a contract for insurance. Members understand that their medical needs will be shared based upon the sharing level in which they choose to participate.

We are excited you have chosen to be a part of our community. Please review your member guidebook. You will find the guidelines by which members share a willingness to help each other with the medical needs. Please make sure you understand the guidelines, understand how your membership works and what your participation means.

Health Care Access Vendors

Note: Needs Processor is located in the back of this guide and on your ID card.Note: Needs Processor is located in the back of this guide and on your ID card.

Who is Free Market Administrators?Free Market Administrators (FMA) is ASH’s Needs Processor. The ASH program is set up to share healthcare needs through the PHCS Network, or on an equivalent basis called "Reference-Based Pricing" (RBP). Give providers your ASH membership card at the time of service. The Provider’s office is directed to submit medical bills for sharing to FMA. The Provider is encouraged to call FMA for clarification as to whether you are a participant in good standing and how your need would potentially be shared. ASH programs are designed to pay the Provider directly after the Member Responsibility Amount (MRA) is paid to the Provider.

Can I only go to a Provider that is in network?ASH offers access to the PHCS Network for your healthcare needs. ASH does not require members to choose healthcare providers only from an approved list.

Are my health care needs sharable if I choose a non-PHCS Network Provider?If you do not use a PHCS Provider, then the Referenced Based Pricing methodology will be used to determine sharing levels. Amounts over the allowed Reference-Based amount are not sharable; however, FMA will work with the doctor/facility to minimize balance billing.

What is Referenced Based Pricing?Payments to any non-PHCS Provider are based off of Medicare pricing plus a set percentage for participation. The amounts the program pays to your provider are equivalent to large national insurance company payment amounts.

What is a balance bill?A balance bill is when a provider bills a member for the difference between what the health plan allows for a medical service versus what the provider chooses to charge. In essence, it’s when the provider charges more than what the Explanation of Sharing (EOS) indicates is a patient responsibility. In the vast majority of scenarios, FMA works with the Provider to minimize balance billing.

Example: Your hospital charges are $1,000 and the plan allowable amount at 150% of Medicare is $700. If the facility/provider bills you the $300 difference between the charged amount and the Plan allowable, they are balance billing. Your Member Responsibility Amount (MRA) is not an example of balance billing and you are still responsible for these cost sharing items.

What should I do if I receive a balance bill?If you receive a bill from a hospital or non-PHCS provider, you need to compare it to the Sharing Summary Statement that you received from

FMA. If you are asked to pay more money than what is shown as patient responsibility on your Sharing Summary Statement, you need to call FMA at 866-518-2009. Member Services will likely ask you to send the bill via email or fax.

What happens when I contact FMA about a balance bill?Our Patient Support Services Team will work with your Provider directly regarding the balance bill. You will be updated along the way. FMA’s goal is to eliminate the balance bill completely.

What should I do if my physician’s office requests payment up front?Most of the time, the Provider will submit bills to FMA for sharing. In most cases, if your treatment/visit is included under the guidelines, then you should not be asked for more than your MRA unless the Provider does not accept the amount as payment in full, or doesn’t recognize your membership. Do not pay anything other than the MRA applicable to your service up front. The facility needs to call FMA at 866-518-2009.

What should I do if scheduling or billing doesn’t recognize my membership?Please ask your provider to read the note on your Member ID card. The ASH program is set up to pay providers a satisfactory amount directly. The provider should collect any applicable Member Responsibility Amount (MRA) and submit a claim through the Needs Processor (FMA) listed on your ID card. If the provider still has questions, have them call FMA immediately at 866-518-2009. The phone number is also on the back of your ID card. Make sure you present your ID card at every visit or service.

How will I know what my membership has paid?After any medical service, you will receive a Sharing Summary Statement (SSS) in the mail from FMA. The statement will show a breakdown of what medical treatments were billed and what needs were shared, along with indicating what you, the patient, is responsible for.

Please note: You must be current with all monthly financial gifts (i.e. monthly plan payments) through the time medical bills are being processed for sharing. If you discontinue your membership before your needs are shared, your medical bills will not be eligible for sharing.

Who should I call for questions about my ASH membership?You should call Members Services at Adroit Health Group. There is a dedicated Customer Service Team that is ready to assist you with any questions regarding your coverage or plan options. Call (800) 269-3563.

Health Care Sharing FAQ’s

Network Provider Locator

Find a Network ProviderWhether in or outside the local area, a PHCS logo on your ID card tells you and your provider that a PHCS discount applies.

How to Locate a PHCS Network Provider

• Visit https://www.multiplan.com/webcenter/portal/ProviderSearch

• Click "Select Network" button

• Select "PHCS"

• Select "Practitioner & Ancillary"

• Enter "Type or Name of Provider" and "Zip Code" criteria

• Click the "Search" button

Before an appointmentIt is the patient’s responsibility to confirm a provider’s continued participation in the PHCS Network and accessibility under your health sharing benefit plan. Always provide the information on your ID card at the time of scheduling an appointment. It is also recommended to follow any required pre-authorization procedures by contacting 1-877-499-6111.

If you need assistanceFor questions about your plan or help locating an in-network provider, you may call Customer Service at 1-800-269-3563.

Please note: PHCS, inc. is NOT an insurance company, does not pay claims and does not guarantee health benefit coverage. This information is not a promise of benefits or a guarantee of the Provider’s availability under your health sharingplan. For benefit information, eligibility, or claim information, please contact your plan administrator. Participating physicians, hospitals and other health care professionals are independent contractors and are neither agents nor employees of PHCS.

Schedule of Sharing Preventive Health Services—Limitations, Intervals, and Requirements

The following tables represent a condensed explanation of preventive medical services considered for plan sharing. Though some requirements may be defined by the service itself, certain limitations, restrictions and exclusions may still apply. It is recommended to always ask your provider if the services recommended are preventive and check what your plan will share.Review your ASH Member Guidelines (located in your secured Member Portal) for a full list of Preventive Services, Sharing Limitations, Wait Periods and Exclusions. In the case of discrepancy between this summary and the language contained in the Member Guidelines, the latter will take precedence..

Medical ServiceWhat You Will Pay

Commonly Shared Needs (This is not an all-inclusive List.)In-Network

Provider*

Preventive Care/Screening $0*

Office Visit Exam: Limited to Preventive Only;Well-Woman/Well-Child Visits;Preventive Mammogram: Women aged 40-74 years old (Sharing Limited to $500);Preventive Colonoscopy: Adults age 50 and over(Sharing Limited to $1,500 after 6 Month Wait Period);Cholesterol Screening: Ages 35 and over

Preventive Care/Immunization Services $0*

HPV: Injections, up to age 26;Pneumococcal: Adults age 65 and over;Influenza: Once per plan year;Mumps, Measles and Rubella: Once per plan year;Varicella: Once per Plan Year;Tetanus: Once per Plan Year

*This plan is set up to share needs through PHCS Network or on an equivalent basis to National Provider reimbursement levels. If you do not use a PHCS Provider then the Reference-Based pricing methodology is used to determine sharing levels. If a non-PHCS Provider will not accept these reimbursement levels as payment in-full, you may have to pay more than the MRA listed on the Schedule of Sharing. Services performed in a hospital facility will use Referenced-Based Pricing resulting in more than your MRA being due.

Schedule of Sharing Summary

This is NOT Insurance.

Sharing Services Ineligible for Sharing

1. Bills incurred prior to joining Alliance for Shared Health (see Guidelines Z and AA for our pre-existing conditions policy)

2. Dental expenses Exception: a. Bills for the repair of broken teeth are eligible for sharing if:

i. they were incurred due to an accident -and-

ii. the accident occurred while a ASH member with an account in good standing -and-

iii. the accident was not caused by chewing.

b. Expenses from Temporomandibular Joint Disorders (TMJ/TMD) are not eligible for sharing. This exclusion applies regardless of variations in diagnostic coding (i.e. micrognathia, congenital malformations of the jaw, etc.), where treatment is being rendered, or the type of practitioner providing the treatment.

c. Bills for sleep apnea treatment or equipment prescribed, administered or recommended by a dentist are not eligible for sharing. (See Guideline V.1.)

3. Incidental medical expenses: vision correction (optometrist services, eye exams, eyeglasses, contact lenses, etc.).; audiological expenses; chiropractic treatment; routine, maintenance prescriptions; over-the-counter medications.

4. Elective, non-health related cosmetic surgery and any complications arising from such procedures. Exception: Bills from medically necessary breast reductions are eligible for sharing.

5. Weight reduction programs or procedures 6. Abortions or births from unwed mothers (see Guideline R.7)

7. Infertility testing or treatments; sterilization or reversal (see Guideline R.5)

8. Gestation or surrogate maternity procedures; in vitro fertilization and associated maternity bills (see Guideline R.5). Genetic testing is ineligible unless required for determining treatment for a current medical condition. Medical records must be provided. (see Guideline R.8)

9. Congenital conditions (limits apply; see Guideline R.8)

10. Psychological treatment, tests or counseling. Only emergency room bills incurred to physically stabilize the patient are eligible for sharing.

11. Prosthetics 12. Medical supplies, including (but not limited to): syringes, test strips, lancets, orthotics, batteries, etc.

13. Medical appliances and equipment, including (but not limited to): hearing aids, breast pumps, crutches, etc.

14. Alternative or chiropractic treatment, including blood work or testing supporting alternative treatment. (See Guideline N)

15. Non-medical expenses such as travel expenses, postage, shipping, finance charges, interest, nutritionist services, phone calls, private room, etc.

16. Bills incurred as the result of the abuse of drugs or alcohol; costs incurred from self- inflicted, non-accidental incidents 17. Bills incurred from motorized vehicle accidents18. Medical transportation 19. Nursing home care/rehabilitation housing 20. Any therapy performed for developmental or educational reasons; only therapy related to an eligible illness is eligible for sharing.

21. Health or medical practice membership fees, gym membership fees 22. Telephone or digital consultations with healthcare personnel 23. Pre-existing conditions within the preceding twelve (12) months of the Plan effective date.

24. Contraceptives or birth control expenses of non-generic, non-oral dosage forms. (Note: Some may be accessed through SHARx Prescription Advocacy Program).

25. Sexual Dysfunction treatment (medication, hormone therapy, surgery, etc.) (see Guideline R.5)

26. Non-Preventive Services27. Hospitalization

Health Care Access Vendors

Karis 360Advocating for the members, saving you time and money before, during and after a health care event. Let our team of experienced Advisors at Karis360 do the legwork for you..

Healthcare Navigation

• Karis360 helps policyholders save on out-of-pocket expenses not covered by their policy.

• Physician, Hospital & Specialists Search – Karis360 will provide you with a list of local, qualified providers and their best available pricing on requested procedures. This allows you to make an informed, time and money-saving decision on your health care.

• Prescription Cost Search – We will search pharmacies to identify the lowest pricing available.

• Health Cost Estimates – We can provide you with cost estimates for various outpatient procedures in your area so you can make informed decisions.

• Alternative Medicine – We can contact and schedule appointments with alternative medicine providers including acupuncture, chiropractic care, massage therapy and more.

• Laboratory and Imaging Services – We can find lab and imaging locations, provide price estimates for tests, and can schedule appointments upon request.

• Appointment Scheduling – We can schedule appointments with doctors, specialists, and more all at the convenience of your schedule..

Medical Bill Negotiation

• Karis360 Advisors will assign members an experienced Patient Advocate to work directly with your health care provider to negotiate medical bills.

• Whether through program qualification, settlement discounts, personalized payment plans, etc. our expert advocates can help negotiate these medical bills to something more manageable.

Surgery Cost Saver • An experienced Advisor helps members when a non-emergency, out-of-pocket surgical procedure is being considered.

• Advisors will search for cost, quality and availability comparison which includes the prescribing provider and their preferred facility with up to 4 other facilities in the area.

• Advisors have found an average $13,000 cost difference between the least expensive and most expensive facilities with no difference in quality ratings.

Chaplaincy • Christian Chaplains are available to listen and provide support and encouragement.

To Use This Benefit:Call (855) 398-9673.

Note: Karis360 is not insurance and does not provide funds to pay for bills. This is a best efforts service and results cannot be guaranteed.. Despite Karis360 diligent efforts on member’s behalf, some providers refuse to make accommodations to help resolve outstanding bills.

True RxTrue Rx is not insurance, but a discount prescription program that offers great savings on prescription medications at your local retail pharmacy.

True Rx Features:• Savings up to 80% on prescription medications

• Accepted at more than 60,000 pharmacies nationwide

• An open formulary so nearly all medications qualify for discounts

• Limited generic ACA medications may be discounted up to 100%.

Participating Pharmacies Include:

• CVS

• Walgreens

• Walmart

• Kroger

• Rite Aid

• Tom Thumb

Simple to Use:Present your True Rx card with a valid prescription at a participating pharmacy, and your discount will be applied. You can find a list of participating pharmacies and check for potential savings on your prescriptions by registering at http://truerx.com/member-portal.

Health Care Access Vendors Health Care Access Vendors

What is the SHARx Program? The SHARx program is a prescription advocacy service available to our members at $0 access fee. Our objective is to provide unsurpassed services at an extremely affordable price to our members. The financial burden of a high cost medication or specialty drug makes this program essential to all. With thousands of name-brand medications that we have programs for and some of the lowest prices on generics anywhere in the country,we can help you and your family maximize your savings on prescription medications, many times accessing medications at no cost at all. Taking a high cost maintenance, brand or specialty medication? We are here to help! Welcome to Shared Health Alliance and the SHARx programCongratulations! We are thrilled to bring you a program that gives you a personal prescription advocate! SHARx, the program built by Shared Health Alliance, is proud to work on your behalf to save you money on prescription medicine. We believe that you should be able to receive the medicine you need without creating financial duress. Our programs are designed to give you the most assistance on all of your medications so you can concentrate on living life instead of worrying about money.

• Many clients get their medications for free!

• Others receive their medications at 75% - 90% off!

• Expensive name brand maintenance medications

• High cost specialty medications

• High cost generics

We need your help to start the process1. The process starts with us getting some preliminary information from you. Use the secure link to fill out our prescription analysis.

http://www.sharxplan.com/allied2. Within 48-72 hours (often sooner) after you submit the enrollment form, one of our advocates contact you directly.

3. START SAVING

Sample High Cost Prescription Drugs: Insulin (all types), Abilify, Actemra, Advair, Androgrel, Atripla, Breo, Brilinta, budesonide, Bydureon, Canasa, Celebrex, Cialis, Concerta, Crestor, Cymbalta, Dexilant, doxycycline, Effient, Eliquis, Elmiron, Enbrel, Flovent HFA, Gilenya, Glatopa, Glyxambi, Humira, Invokana, Janumet, Januvia, Latuda, Lipitor, Lyrica, Multaq, Nexium, Onfi, Plavix, Premarin, Proair, Prolia, Remicade, Restasis, Seroquel, Singulair, Spiriva, Stelara, Suboxone, Toujeo, Viagra, Victoza, Vyvanse, Welchol, Xaralto, Xolair, and MANY, MANY More!!

What to expectSHARx has access to over 90% of high cost maintenance medications. However, accessing these programs is a process that can take 2 to 4 weeks. Once you register at http://www.sharxplan.com/allied, one of our advocates will reach out to you within 48 hours, typically via email, to help you fulfill your medication needs using the least expensive (oftentimes FREE) avenue available. Please respond to their request for information quickly so the process of getting your medication is not delayed.

Health Care Access Vendors

Health Care Access Vendors

What is Assurance TeleCare?Assurance Telecare offers access to virtual physicians through MyTelemedicine that are available 24/7/365. This benefit provides members with convenient, quality medical consultations via telephone and secure video. Physicians may diagnose many common conditions and recommend treatment plans, including a prescription called into the pharmacy of your choice.

How Assurance TeleCare Works:1. The member calls MyTelemedicine at 1.800.611.5601 or logs on to their MyTelemedicine member portal at

https://portal.mytelemedicine.com to schedule a consultation with a physician licensed in their state.

2. Member speaks to a Care Coordinator who will triage and update the patient’s Electronic Health Record (EHR) along with all symptoms.

3. Member consults with Physician who recommends a treatment plan. If a prescription is necessary, it’s sent to the pharmacy of their choosing.

4. The doctor will update the member’s consult record immediately after the consultation. The patient has 24/7 secure access to their MyTelemedicine member portal.

Member Benefits:

• Saves Time: Virtual physician consultations provide convenient access from home, work, or while on vacation.

• Saves Money: Assurance TeleCare reduces costly and unnecessary office visits, urgent care visits and emergency room visits. Virtual consultations are unlimited with a $0 Co-Pay using your MyTelemedicine membership.

When Should You Use a Virtual Physician:• If you cannot reach your primary care physician

• If you’re not sure if you need to go to an urgent care center or ER

• If it is after your doctor’s normal business hours

• When you’re on vacation or traveling away from home

• If you have a specific health-related question

Treatments by Phone or Video* for Common Conditions:

• Cold/Flu

• Sinus Infection

• Stomach Ache

• Allergies

• Skin Infection

• Headache

• Fever

• Ear Infections

• Pink Eye

• Bronchitis

• Yeast Infection

• UTI

*Video Consultations per state regulations, Arkansas mandates the initial consultation be by video and all other consultations afterward be either by phone or video conference. Delaware and Idaho are video consultation only states.

Member is responsible for reviewing all limitations and exclusions for telemedicine consultations by visiting www.mytelemedicine.com.

This is NOT insurance.

How to Use Your Fair Price Labs Member Card 1. Go to: https://www.fairpricelabs.com/lab-card

*Residents of NY, NJ and RI, please refer to footnote.

2. Register your card to activate the additional discounts provided in your membership.

3. You MUST PAY for your labs online prior to having them completed at a Quest Diagnostic Patient Draw Center. Enter your ID number (SHA 468) in the coupon box at checkout. You will receive an order confirmation by e-mail.

4. You will receive a second email from Fair Price Labs with your Physician Signed Lab Order. Print and take this order to your appointment or scan and take in your phone.

400% Average Savings!

Lab Name Fair Price Labs Quest Diagnostics Cash Price

Hospital/Physician Point of Care Pricing

CBC $15 $45.50 $83

CMP $15 $65.08 $89

DHEA $39 $128.23 $240

TSH $20 $130.49 $175

UA Complete $15 $47.59 $79

Estradiol $49 $223.85 $299

PSA Total $35 $148.48 $295

Testosterone Total $30 $197.97 $401

Cholesterol Total $15 $39 $89

A1C $19 $74.25 $159

Hepatic Function Panel $25 $74.36 $179

Testosterone Free & Total $125 $283.46 $1,200

Total Cost $402 $1,458.26 $3,288

Member Cost with Discount $361.80 $1,458.26 $3,288

Find a Test Center Here:https://appointment.questdiagnostics.com/patient/confirmationE-mail us at: [email protected] 1-888-845-2283

For NY, NJ, and RI: Online Individual Lab sales are not permitted. A Member’s Physician may request labs to be completed by faxing a Physician’s Lab to 931-327-2137.

Health Care Access VendorsHealth Care Access Vendors

EXAMPLE

Health Care Access Vendors

Through your ASH membership you have virtual access to 24/7 primary care or specialty care from Dr. Susan Gonnella, your own personal doctor, via Sherpaa.Before you visit a local doctor, just reach out to Dr. Gonnella, via Sherpaa, and tell her what’s wrong. She’s board certified in Internal Medicine and has been practicing for 30 years. She’ll ask you plenty of questions and get toknow you and your situation. Don’t worry, she can still order tests, prescribe and refill medications, arrange carefor you with local specialists, and diagnose and treat the same ~1,500 health conditions a primary care doctorin an office can manage. Throughout all your health issues, you’ll always work with her— she’s just minutes awayat anytime from anywhere. So use Sherpaa as your starting point every time you need a doctor for anything—simple or complex—to avoid the hassles and costs of old-fashioned office visits.

Why get care from Dr. Gonnella?

• A visit to a PCP or urgent care costs, on average, $100 and $300, per visit.• Care from Dr. Gonnella costs you a single MRA of $99 per Episode of Care.• Instead of an appointment in weeks, Dr. Gonnella is minutes away, no matter where you are.• Dr. Gonnella helps you avoid the cost and hassles of 80% of PCP and urgent care visits.• When you need traditional care, Dr. Gonnella knows you have to spend your own money and directs you to the most cost-effective

way to treat your issue.

Visit sherpaa.com/allied to activate your account and get care today.$99 MRA per Episode of Care; unlimited virtual access.

Common Questions

Will you always work with the same doctor? Yes, Dr. Susan Gonnella

How often can you talk with your doctor? As much as you need per Episode of Care

How many conditions can your doctor treat? ~1,500

What kinds of conditions can your doctor treat? Acute issues (skin infections to lingering pneumonia) Chronic issues (migraines, high blood pressure, diabetes)

Compare this to: A traditional once-based PCP or urgent care center

How do you talk with your doctor? Messaging + Photos + Phone + Videos sherpaa.com, iPhone, Android

How much does care cost? $99 MRA with membership

What happens if your doctor can’t treat you virtually? Your Sherpaa doctor arranges your care for you with local in-network specialists and facilities.

Can your doctor prescribe medications? Yes! All but controlled-substances

Can your doctor order tests? Yes, any lab or imaging test an office-based doctor can order

Can your doctor follow-up with you? Yes! If anything changes or you’re not getting better as expected, just reach back out to Dr. Gonnella.

How do you get care? Just visit sherpaa.com/allied

Prioritize WellnessPrioritize Wellness is an independently managed health and wellness resource that will help you in your journey for a healthier lifestyle. We are here to consistently provide you with knowledge on our four pillars of health. At Prioritize Wellness, we dedicate our time to helping you live your best and healthiest life. Your health is our priority.

Four Pillars of Health

We believe that there are 4 pillars of health that are essential to living a healthy lifestyle:

• Nutrition• Fitness• Sleep + Stress Management • Supplementation

We have chosen these areas of focus because they provide a holistic approach to whole body wellness. Nutrition, fitness, sleep, stress management and supplementation play a vital role in an individual’s overall health.

Nutrition

Nutrition is the process of providing or obtaining the food necessary for health and growth. The importance of proper nutrition has been well established for years within the medical community. An individual’s eating habits directly effect his or her likelihood of developing several life-threatening conditions.

Proper nutrition can:

• Maintain proper body function• Increase energy levels• Promote weight management • Enhance immune function• Reduce disease risk• Improve pre-existing health conditions• Enhance overall quality of life

We will make it easy for you to eat healthy by offering bi-weekly grocery lists and recipes. On our website, prioritizewellness.com/nutrition, you can download a free e-book nutrition guide that contains a grocery list and a sample meal plan.

Exercise

Regular physical activity is an important part of a healthy lifestyle. It contributes to the quality of life both physically and mentally. Although the importance and benefits of exercise have been emphasized through many outlets, it is difficult for many individuals to make exercise a priority and to stay consistent with their fitness goals.

Our fitness program will help you:

• Become informed about fitness• Customize your own fitness plan• Make exercise a priority• Have a clear vision for your fitness goals• Our 3 basic programs include information about:• Weight training• Cardiovascular exercises• Flexibility and restorative exercises

Health Care Access Vendors

Stress Management + Sleep

Stress and sleep are two areas of an individual’s life that interact with one another, so we have combined stress management and sleep into our third pillar of health.

We will:

• Discuss how sleep and stress are connected• Discuss the different stages of sleep and provide sleep need information • Discuss the side effects of sleep deprivation and how to obtain better sleep• Discuss how to manage stress with stress management techniques

We understand the importance of quality sleep, and our program gives you the knowledge on how to cultivate better sleeping habits, and how to keep stress levels managed.

Supplementation

Supplementation is our fourth and last pillar of health. Supplementation is the practice of supplementing nutrients, such as vitamins and minerals, that are not obtained through diet alone to achieve optimum health.

Supplementation can:

• Fill in nutritional gaps • Increase energy levels• Naturally improve health conditions • Enhance quality of life • In regard to supplementation education, we will: • Explain who may need to take a dietary supplement• Discuss supplement quality• Provide supplement recommendations

To register for Prioritize Wellness:• Go to: www.prioritizewellness.com• Click login/Sign Up• Enter Your Name and Email

A registration email will be sent with a link to complete your registration.

On the member registration page, you will need to enter the following:

• First Name• Last Name• Product Code: SMB• Confirm Your Email• Click “Verification”• Click “Submit”

Health Care Access Vendors

Health Care Access Vendors

My Virtual Doctor—Durable Medical Equipment

Now You Can Save On:

• Splints and Braces — ankle, knee, wrist, back• Catheters and Incontinence Supplies• Bath Safety Supplies — commodes, grab bars, bath benches and more• Compression Stockings• Mobility Devices — canes, crutches, walkers, wheelchairs• Footwear — inserts, socks, slippers• Pads — bladder control pads

Here's How to Save: The quickest way is on the web:

1. Go to dme.myvirtualdoctor.com2. Click on "Shop Now" or the picture of what you need.3. Find the products you need.4. Add it to your cart.5. At checkout, enter Code SHARx and click on "Apply Code".6. See how much you save.7. Click on "Proceed to Checkout" to finish your order.

Sharing Services Appendix A – Member Disclosure Statements

As an ASH Member, ASH wants you to fully understand the non-profit health share ministry to which you have chosen to join. As such, ASH chooses to further highlight some points to make sure the messaging has been made clear to its members:

Section I 1. Alliance for Shared Health (ASH) does not restrict

access by state. If you are resident of the U.S. or U.S.V.I. and attest to the ASH Statement of Beliefs, you can be a member.

2. ASH is an IRS-approved 501(c)3 non-profit entity health sharing ministry. It was set up to help members join a community with a common set of ethical / religious beliefs to share in each other’s health care expenses per member guidelines and the sharing level selected.

3. ASH meets all the criteria to qualify as a health care sharing ministry under Section 5000A of the Internal Revenue Code. This means that any individual participating in ASH would qualify for an exemption from the mandate on IRS Form 8965.

4. The individual mandate is not currently being enforced at the Federal level. Members should understand the laws in their own state to avoid any penalty for not having ACA required alternatives in place.

5. ASH is NOT a contract for insurance and the member guidelines expressly indicate such.

6. ASH members agree and attest to a common set of ethical beliefs / religious beliefs. If one is not willing to attest to these beliefs, they are not able to be a part of ASH.

7. ASH is not legally responsible to pay members’ medical bills though ASH desires to share medical needs based upon the sharing level selected.

8. The monthly contributions made by members are voluntary contributions to the sharing funds of ASH.

9. ASH does not pay agents’ commission for referring participants into ASH sharing programs.

10. ASH, unlike other health share programs, does not place pre-existing condition stipulations on its programs, with the exception of catastrophic hospital needs sharing.

11. ASH is not catastrophic health insurance, nor does it seek to represent itself as such.

Section II 1. ASH is health share ministry, and in line with the

health sharing requirement, members agree to the following set of ethical/religious guidelines in order to participate.

• Of supreme importance to ASH members is the need to unite in a spirit of compassion, regardless of race, denomination, age, gender, sexual persuasion, or political affiliation. This compassion is displayed specifically in the area of sharing health care expenses.

• ASH members are bound by a common passion to use its collective resources to help people struggling with physical

needs by sharing in health care needs and expenses.

• ASH members believe it is our right to direct our own health care, free from government dictates, restraints, or oversight, and want to be a part of a health share community whose mission is to assist members.

• ASH members understand that the ASH board establishes and approves guidelines and sharing levels, as well contracts with outside vendor consultants for guidance in building a program that is sustainable and operates under its 501(c)3 approved requirements.

• ASH members understand that their participation is voluntary and does not represent a contract for insurance. Members understand that their medical needs will be shared based upon the sharing level in which they choose to participate.

2. As long as a prospective member agrees to the ASH Statement of Beliefs, they can join.

3. ASH facilitates the sharing of member funds for the sharing of medical needs.

4. Membership cannot be refused based upon health status.

5. Members are allowed to join ASH at different sharing levels based upon their own situation and voluntary contribution level they wish to participate.

6. Sharing of medical needs is limited or excluded if members choose to use illegal drugs, are under the influence of alcohol that causes a medical need, or pregnant when joining ASH.

7. Health Sharing uses non-insurance terminology. Doing so is one way that it is made clear to members that ASH is not a contract for insurance.

8. Member Responsibility Amount (MRA) is terminology that helps describe what an ASH member must pay before ASH shares in their medical needs from the funds.

9. Member contributions go toward the needs sharing fund to help share in member medical needs per the sharing level selected.

10. ASH, unlike other health share programs, does not place pre-existing condition stipulations on its programs, with the exception of catastrophic hospital needs sharing. Please make sure you understand these limitations when participating in a sharing level that includes hospital sharing.

11. For ASH members, pre-existing condition limitations only apply to hospital sharing needs.

12. Preventive sharing is an important aspect of ASH sharing levels and preventive expenses incurred

in free-standing facilities are shared. Preventive services received and billed through a hospital are not shared by ASH.

13. Members’ needs are only shared as long as they remain an “active” member. In order to be an active member, one must pay their contributions continuously and without interruption.

Section III

1. ASH programs may be supplemented by other non-insurance health care access programs. Many of these provide incredible solutions to help our members access care at very reasonable costs.

2. ASH is supported by a number of alternate access solutions. These include:

a. High cost maintenance and prescription advocacy services through SHARx

b. 24 / 7 telemedicine services

c. Discount Lab Programs

d. Virtual Primary Care Access

3. ASH welcomes interaction with agents on the members’ behalf, and in order to be consistent across all State lines, reminds brokers they are not an ‘agent’ for ASH, the non-profit health share ministry.

4. ASH may share in some low-cost medications depending on the sharing program selected, but high cost meds are only accessed through SHARx. SHARx provides members access to high cost maintenance medications, specialty medications, and drugs that treat orphan conditions. This program is not insurance or a discount plan, but a fee-based member advocacy solution.

5. While SHARx is not specifically an ASH program, ASH wants members to fully understand what SHARx provides to avoid confusion. SHARx helps members get high cost maintenance and specialty medications through alternate points – oftentimes at little to no cost. Procurement of the medication can take anywhere from one to six weeks depending on the access point utilized. It is important to understand that procurement of medication through SHARx does not happen immediately and is a process that requires member follow up of information requests.

6. ASH utilizes an external enrollment portal to collect the voluntary monthly member contributions and it may also collect costs associated with the additional non-ASH solutions such as SHARx, telemedicine, and virtual primary care.

7. Prospective members are expected to enroll themselves voluntarily through the online enrollment portal.

8. It is important that members read and understand the member guidelines so they can make an informed decision regarding their sharing level and how needs are shared.

Sharing Services Legal Notices

The following legal notices are required by state regulation, and are intended to notify individuals that non-profit health sharing entities such as Alliance for Shared Health (ASH) and health care sharing ministry plans are not insurance, and that such entities do not provide any guarantee or promise to pay your medical expenses. ASH’s role is to enable self- pay patients to help fellow ministry members through voluntary financial gifts.

GENERAL LEGAL NOTICE This organization facilitates the sharing of medical expenses but is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Sharing is available for all eligible medical expenses; however, this program does not guarantee or promise that your medical bills will be paid or assigned to others for payment. Whether anyone chooses to pay your medical bills will be totally voluntary. As such, this program should never be considered as a substitute for an insurance policy. Whether you or your provider receive any payments for medical expenses and whether or not this program continues to operate, you are always liable for any unpaid bills. This health care sharing ministry is not regulated by the State Insurance Departments. You should review this organization’s guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs.

STATE SPECIFIC NOTICES Alabama Code Title 22-6A-2 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.

Alaska Statute 21.03.021(k) 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 b y l aw to contribute toward y our medical b ills. Participation i n t he organization o r 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 bill.

Arizona Statute 20-122 Notice: the organization facilitating the sharing of medical expenses is not an insurance company and the ministry’s 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.

Arkansas Code 23-60-104.2 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.

Florida Statute 624.1265 Alliance for Shared Health is not an insurance company, and membership is not offered through an insurance company. Alliance for Shared Health, LLC. is not subject to the regulatory requirements or consumer protections of the Florida Insurance Code.

Georgia Statute 33-1-20 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.

Idaho Statute 41-121 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.

Illinois Statute 215-5/4-Class 1-b Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation constitute or create 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.

Indiana Code 27-1-2.1 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.

Kentucky Revised Statute 304.1-120 (7) 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 nor 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.

Louisiana Revised Statute Title 22-318,319 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.

Maine Revised Statute Title 24-A, §704, sub-§3 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.

Maryland Article 48, Section 1-202(4) 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

Sharing Services

receive any payments for medical expenses and whether or not this entity continues to operate, you are always liable for any unpaid bills.

Michigan Section 550.1867 Notice: Alliance for Shared Health that operates 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 this ministry chooses to assist another participant who has financial or medical needs is totally voluntary. A participant will not be compelled b y l aw 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 needs.

Mississippi Title 83-77-1 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 of medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.

Missouri Section 376.1750 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.

Nebraska Revised Statute Chapter 44-311 IMPORTANT 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’s guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs.

New Hampshire Section 126-V:1 IMPORTANT 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’s guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs.

North Carolina Statute 58-49-1 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.

Oklahoma Especially for Oklahoma Residents: 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.

Pennsylvania 40 Penn. Statute Section 23(b) 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.

South Dakota Statute Title 58-1-3.3 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.

Texas Code Title 8, K, 1681.001 Notice: This health care 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 health care sharing ministry may be reported to the office of the Texas attorney general.

Utah Statute Title 31A-1-103(3)(c), as last amended by Laws of Utah, Chapter 274. The title of insurance code does not apply to health benefits provided by a health care sharing organization if the organization is described as a 501(c)(3).

Virginia Code 38.2-6300-6301 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.

Washington RCW 48.43.009 Health care sharing ministries re not health carriers as defined in RCW 48.43.005 or insurers as defined in RCW 48.01.050. For purposes of this section, “health care sharing ministry” has the same meaning as in 26 U.S.C. Sec 5000A.

Wisconsin Statute 600.01 (1) (b) (9) ATTENTION: 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.

Wyoming 26.1.104(a)(v)(c) 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 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 payments of your medical bills regardless of any financial sharing you may receive for the organization for medical expenses. You are also responsible for payment of your medical bills if the organizations ceases to exist or ceases to facilitate the sharing of medical expenses.

Legal Notices (Cont.)

Sharing Services

Member Portal Access

Member PortalAll memberships include exclusive access to an online Membership Portal at www.a1healthcare.com/member. This is a secure, convenient website that helps members to manage their membership. Through quick and easy access, members can now:

• Review their Membership Benefits, Sharing Schedule and account information

• Search for an in-network provider• Access benefit partner websites for valuable health care savings• Download and print Member Materials, including ID cards• Update contact information

AlliedPro Basic Sharing InformationNeeds Processor

FMA c/o Tall Tree AdministratorsPO Box 1810

Draper, UT 84020Payor ID: 88067

Telephone: (866) 518-2009

Adroit Health Group Customer Service (for billing or plan changes)

(800) 269-3563

Scan with your Smart Device to Access our Member Portal

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