Mandatory Binding Arbitration Protocol

The Medi-Share Program is neither a contract of insurance nor an insurance policy. Medi-Share Members agree that, after exhausting all administrative appeals (per Article X of the Medi-Share Guidelines), any and all controversy, dispute, or claim arising out of a determination of ineligibility for the sharing of a medical or hospital expense, or qualification for membership will be settled exclusively by mandatory binding arbitration pursuant to Title 9, United States Code (USC), Section 2, et seq., with each party to bear their own costs and attorney's fees, and with the cost of arbitration itself to be equally divided between the parties.

The Medi-Share Member and Christian Care Ministry agree to a determination by a single arbitrator for all disputes or controversies less than $250,000.00. In the event of any dispute or controversy of $250,000.00 or greater, both the Medi-Share Member and Christian Care Ministry agree to a panel of three arbitrators. All potential Arbitrators shall be selected from "The American Health Lawyers Association" (AHLA), based on the availability and proximity of said Arbitrator(s) to the Medi-Share Member. At its' option, Christian Care Ministry may designate The American Arbitration Association (AAA) as an alternative from which the Arbitrator(s) may be selected by the parties.