MEDICAL COST SHARING IS NOT HEALTH INSURANCE: The Sedera Medical Cost Sharing Community (Sedera) is a benevolent fund of Covenant HealthShare, Inc. (Covenant), a 501(c)(3) nonprofit corporation. Sedera and Covenant are not insurance companies and do not provide insurance. Membership in Sedera is not issued or offered by an insurance company and does not create any contractual or legal obligation to share in medical expenses. Members are self-pay patients and remain personally responsible for all unpaid medical bills. Any monetary assistance provided to a member or household for medical expenses is entirely voluntary. Neither Sedera nor its members have any legal right or obligation to compel or provide contributions toward any medical expenses. Healthcare sharing ministries like Sedera are not substitutes for legally mandated health insurance coverage and do not satisfy federal or state law requirements for healthcare coverage or insurance. Sedera is not an employee welfare benefit plan, an employer-sponsored health plan, or a multiple employer welfare arrangement (MEWA). Sedera functions solely as a voluntary community where members assist each other according to shared ethical beliefs and community guidelines. Members have no legal obligation to reimburse or indemnify other members for medical costs. Prior to becoming a member, individuals are required to agree to Sedera’s Ethical Beliefs, Principles, and Community Guidelines