Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/26/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Solidarity has failed to process and pay my bills as they told me that they would. They told me that 100% of my bills would be shared after I met my Annual Unshared Amount, which I did. I provided them with a very accurate estimate of my maternity bills, which they said would ensure that my bills would be covered and in a timely manner. They stated that bills take approximately 120 business days to process. It is now almost a year since these bills were submitted. I am receiving collections notices. When I have contacted Solidarity regarding the collections notices or to get an update as to when my bills will finally be paid, I receive the same standard answer that my bills are "in process." This is unacceptable business practice. They need to process and pay the remaining bills for my family as they said that they would.

  Business Response

  Date: 11/10/2023

  Solidarity always seeks to serve its
  members in a faithful Christian manner in a spirit of solidarity and
  subsidiarity.  We are committed to serving you as a former member and
  desire to facilitate sharing your eligible medical bills.  We do not have
  exact timeframes for the availability of matching sharing funds from active
  Sharing Members.
  
  As a part of our ministry, we work with
  our members' providers to encourage billing at fair and just prices through a
  reference-based pricing model and solve the healthcare industry-wide problem of
  overbilling.  Unfortunately, you have experienced this unjust practice in
  the healthcare industry.  Solidarity HealthShare and our Mission utilizes
  a reference-based pricing model “Fair For ALL Pricing” and this “Fair &
  Just Pricing” ensures Members are not overcharged & your provider is not
  underpaid. 
  
  Over 60% of your needs submitted on
  Membership have completed in less than 120 business days.
  Your Membership has submitted over
  $90,000 in needs for sharing these past 38 months—over $2,300 per month on
  average.
  Fellow Solidarity Members Shared
  over $49,000 for your family’s eligible healthcare needs and our ministry
  helped save another $41,000 plus in overcharges from your providers.
  
  Please understand a Charitable Exemption
  has been made for your remaining needs since your Voluntary Withdrawal of
  Membership 02/01/2023--Section VI. A. (p. 9) in the Sharing Guidelines reads:
  "Only Sharing Members with an active Membership will have their Eligible
  Medical Expenses Shared.”
  
  Again, thank you for your continued
  prayers and support and understanding there is a learning curve when switching
  from traditional insurance and healthcare sharing.  We can be reached at
  (844) 313-4999.  
  
  Sincerely,
  
  Solidarity HealthShare

  Customer Answer

  Date: 11/10/2023

  Dear Solidarity,
  You sent me a nearly identical response to the response that you had sent when I complained to the BBB in June about your lack of payment. Since you are duplicating your response, I will do the same with minor edits as applicable.
  

  Please see the attached document, responding to the claims you made.

  **** *****

  
  

  Business Response

  Date: 12/19/2023

  As a courtesy, both the Solidarity ONE announcement on
  9/3/2021 and the Sharing Guidelines email on 2/3/2022 which highlighted the
  Timely Filing Limit update were sent to ********************* and they were both received, opened, and clicked.
  
  Please understand any sharing after your Voluntary
  Withdrawal from Membership on 02/01/2023 is a Charitable Exemption from Sharing
  Members.  As of 11/01/2021 the Sharing
  Guidelines discuss Voluntary Withdrawal of Membership--Section VI. A. (p. 9)
  and reads: "Only Sharing Members with an active Membership will have their
  Eligible Medical Expenses Shared.” 
  
  Our Sharing Guidelines determine what medical expenses are
  shared.  When members decide to give
  (VWOM) or cancel their membership, those specific bills will not be eligible
  for sharing among the community, as stated in our sharing guidelines since
  2021. This is a standard practice that helps ensure fairness and continuity
  within the sharing system ALL Members agree to. 
  All needs have processed according to the SHS Sharing Guidelines.
  
  Every Member both initials and signs that they have
  received, read, and understand the SHS Sharing Guidelines & Member Rights
  & Responsibilities and agree to follow them and any updates.  From the cover of the Sharing Guidelines and
  explained on back of Member ID Card and each Explanation of Sharing (EOS) that
  is sent out shares, “ATTENTION: This program is not an insurance company nor is
  it offered through an insurance company. 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 receive any payments for medical expenses and whether or
  not this program continues to operate, you are always liable for any unpaid
  bills.”
  
  Sincerely,
  
  Solidarity HealthShare

  Customer Answer

  Date: 12/19/2023

  Dear Solidarity,

  I am aware that you changed your guidelines. I was assured multiple times by your staff when I canceled my membership that you would honor your agreement to pay the outstanding bills that I incurred as a member. I was assured multiple times by your maternity nurse that these bills would be paid in a timely manner if I were to provide an estimate of the costs ahead of time (which I did). I was assured I would not be sent to collections for this delivery like I was for my last. You have failed to keep your word. My bills are over a year old. They are not paid. I have been sent to collections.

  I have three outstanding bills- the pathology bill, the bill for the pediatrician which is for well child visits for my then newborn son, and my delivery bill. These bills are reasonable. They are a part of bringing a baby into the world. We initially chose Solidarity, due largely your pro-life stance and Catholic values. However, you have failed to support new life for our family by not paying for our delivery or well child visits and you have been dishonest in your statements that you would pay in a timely manner.
  
  We paid into this system. The outstanding bills in question were submitted 2.5 months before our termination and I was told they were in process and would be completed. Finish the job and honor your word to pay our bills.

  Sincerely,

  *** *****

• Initial Complaint

  Date:09/25/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I joined Solidarity Healthshare in 2017. I got married and added my wife to my plan in 2021. During our first pregnancy in 2022, we thoroughly complied with Solidarity’s maternity prenotification protocols. Solidarity signed a single case agreement with the hospital before our son’s birth in October 2022. Under this agreement, the hospital billed Solidarity directly for all charges incurred during the hospital stay. 2 weeks after our son’s birth, we informed Solidarity we were going to cancel our membership and enroll in my employer’s insurance. Solidarity did not inform us at this time or at any time since that canceling our membership might delay or jeopardize payment of the bills covered under the SCA they had signed with the hospital.
  In May 2023, the hospital notified us we owed the full non-negotiated price for the birth because Solidarity had been unresponsive to their attempts to communicate. I reached out to Solidarity soon after, and Chemere from their maternity care team notified me that they still had our SCA on file and she would request to have our bills escalated. For the next 3 months, all Solidarity was willing to do when we asked for updates was to ask the hospital for more time and take note of the dates the bills were scheduled to go to collections. When we sent them a copy of our first collection notice, they said that particular bill “has completed processing and is currently waiting to batch.” They say all our bills have been approved for sharing, but at no point have they given us an estimated date of issuance for any payments or explanations of sharing.
  We had to ask the hospital to offer us a discounted price to settle our 5-figure balance out of pocket. If we weren’t in this situation, we would have used that money to pay down my wife’s student loans. Every day Solidarity keeps us waiting for payment will increase the amount of interest we owe on those student loans, and we will not be compensated for that.

  Business Response

  Date: 10/09/2023

  Solidarity always seeks to serve its members in a faithful
  Christian manner in a spirit of solidarity and subsidiarity.  We are committed to serving you as a former
  member and desire to facilitate sharing your eligible medical bills.  All your submitted needs have completed
  processing according to our SHS Sharing Guidelines. 
  
  Polease understand any sharing after your Voluntary Withdrawal from Membership on 12/01/2022 is a Charitable Exemption has been made for your family from fellow sharing Members.  As of 11/01/2021 the Sharing Guidelines discuss Voluntary Withdrawal of Membership--Section VI. A. (p. 9) and reads: "Only Sharing Members with an active Membership will have their Eligible Medical Expenses Shared.” 
  
  Our Sharing Guidelines determine what medical expenses are shared among the Sharing members of Solidarity HealthShare.  Our Sharing Guidelines determine what medical expenses are shared among the members of Solidarity HealthShare. Medical expenses that conflict with Catholic moral teachings is not shared, protecting the consciences of all members and this includes needs submitted incmplete or
  missing Pre-Notifications (PNT)’s and Clinicals, or submitted outside Timely
  Submission of Needs.  Exodus 20:1-17,
  Gospel of John 14:15-21. 
  
  Every Member both initials and signs that they have
  received, read, and understand the SHS Sharing Guidelines and the Member Rights
  & Responsibilities of their Membership and agree to follow them and this
  includes being responsible for all updates (ATTACHED).  Please give us a call so we can walk you
  through the process and answer any questions clear up the confusion you may
  have. We can be reached at (844) 313-4999.  
  
  Sincerely,
  Solidarity HealthShare

  Customer Answer

  Date: 10/12/2023

  See attached document for my reply

  Business Response

  Date: 10/23/2023

  Thank you for your support and understanding!  These SHS Sharing Guidelines and the Catholic
  values they represent are the very point of your matter and that ALL Members
  agree to them and are held accountable to one another through them in the
  sharing of one another’s healthcare costs—this is Solidarity in action!  Unfortunately, your threats to damage the
  sharing Members of Solidarity HealthShare is not (Agreement ATTACHED). 
  
  Member is upset that they
  submitted over $77,000 in needs the same month or after they gave Voluntary
  Withdrawal of Membership on 10/26/2022 to join employer insurance.
  
  Voluntary
  Monthly Share Contributions (VMSC)’s over 61 Months of Membership (NO June
  2020 MSC for Members)  $13,062
  
  Members have shared Voluntary Monthly Share
  Contributions (VMSC)’s less than
  $13,100 OR ON AVERAGE LESS THAN $215 PER MONTH
  STRAUSS
  family submitted over $94,000 in medical expenses for sharing OVER 7x your VMSC
  Fellow Sharing Members of SHS sharing over $59,000
  for STRAUSS family healthcare costs OR on average OVER $900 per
  month—OVER 5x your VMSC 
  These are currently set
  as a Charitable Exemption in Pay Terminated Status (Not to share until ALL
  ACTIVE SHARING Member’s needs are met/shared first) and may be revoked Due to
  Failure to follow the Signed Acceptance of SHS Sharing Guidelines & Signed
  Final Agreement & can be revoked due to failure to adhere to SHS Sharing
  Guidelines.
  The
  SHS Ministry saved the STRAUSS family over $28,000 in overcharges from
  their providers for their healthcare OR on
  average OVER $450 per month—OVER 2x your VMSC
  
  Every Member both initials and signs that they have
  received, read, and understand the SHS Sharing Guidelines and the Member Rights
  & Responsibilities of their Membership and agree to follow them and this
  includes being responsible for all updates. 
  Please give us a call so we can answer any questions & clear up the
  confusion you may have. We can be reached at (844) 313-4999.  
  
  Sincerely,
  
  Solidarity HealthShare

  Customer Answer

  Date: 10/27/2023

  See attachment for the text of my reply

• Initial Complaint

  Date:08/18/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Solidarity has had a bill since May 15,2022. I have made numerous calls to Solidarity, but the refuse to contact or communicate with ****** Care Provider the re priced amount. This was for my annual physical which is covered at 100%. They still show the bill as open. This bill was to my primary doctor for a physical. I can not go back to the doctor for annual physical since Solidarity has stone walled them for over a year. I have other bills as well, which solidarity is not communicating with the health care providers when they are contacted 3 - 4 times. This is an ongoing problem.

  Business Response

  Date: 08/28/2023

  Thank you for your time of being a Solidarity member.   We are reviewing your account and someone from our team will be reaching out.

• Initial Complaint

  Date:08/11/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My son and I have been members of Solidarity Healthshare (*****, **) since May of 2020. We have never missed a payment required by membership. In early April of 2022 we acquired pre-approval from Solidarity for a wisdom teeth extraction procedure for me, and I received the treatment on 4/5/2022. We paid for the procedure out-of-pocket, then made a claim to Solidarity for reimbursement, and Solidarity confirmed that the procedure was shareable and that our claim was valid. We have the following reference numbers for this claim:M146600 PNT M100000046600 3222-51217 We were told that processing could take as long as 120 business days and that we would receive an Explanation of Sharing when completed. After 120 business days we started calling Solidarity from time to time to get the status of our claim. We were continually told that it was still not processed due to internal difficulties. One full year after the treatment (over 210 business days thereafter), we started calling and demanding to speak with managers. On 4/4/2023 a Solidarity manager (name withheld) told us that a reimbursement check is planned to be sent to us "soon." It never arrived. On 5/17/2023 the phone representative confirmed that the amount of the check was $1,587, and could not say why it hadn't been sent. On 7/18/2023 a Solidarity manager (name withheld) confirmed the check had not been sent and told us we need to wait longer. We insisted that she send us an email confirming the amount of the check and that Solidarity intends to send it to us. We received this email on 7/18/2023. We have still not received the check, and this is why we have raised this complaint. We feel that any reasonable person would issue a complaint for such an unreasonable response by Solidarity to one of its members. We hope this statement makes clear for BBB why we did not file a complaint with BBB earlier Solidarity continually claimed payment would be forthcoming.

  Business Response

  Date: 08/18/2023

  Thank you for reaching out and for being an member of Solidarity.   

  We have reviewed your account and all the other bills in your membership have been shared.   The bill you are discussing we are facilitating and funding the sharing for you.  You will be getting a check in the mail on behalf of the Solidarity members for $1,587.00.  Please also be aware that $1,500.00 goes toward your AUA and will be your responsibility to pay the provider if you haven't already.

  Next time please continue to keep working this out with Solidarity's member care team as we are ready to resolve these small issues when they arise.   

  Solidarity HealthShare

  Customer Answer

  Date: 08/19/2023

   
  Thank you for responding to my message.
  
  I hope you can understand why I consider your response to be comical at best.  You have been communicating these same words to us for a long time now.  Please re-read my first message to you to confirm this has been going on way too long.  Your statement about my getting a check in the mail from Solidarity does not indicate WHEN this will happen, as was also true of the many times you told us the same over the phone. 
  
  Your point about all the other bills in my membership having been shared is interesting.  The term "shared" does necessarily mean having made a payout to a member or to a member's providers.  Indeed, Solidarity has never made any payout to me or to any of my providers.
  
  Your point about $1500 going toward my AUA and being my responsibility to pay the provider is nonsense.  You know very well that I paid my provider his entire bill BEFORE I made the claim to Solidarity.  Aside from fully knowing the facts of this case on your end, you can re-read my first message to you in which this is also clearly stated.
  
  With regard to your statement "Next time please continue to keep working this out with Solidarity's member care team as we are ready to resolve these small issues when they arise," your performance has explicitly demonstrated that you an NOT ready to resolve these "small" issues at all.  Further, you may think such issues are small (you guys are all millionaires, right?), but I don't.
  
  I will believe the statement in your message about my receiving the check once I actually receive the check.

  Business Response

  Date: 08/28/2023

  We hear your frustration. The sharing is close to being facilitated. If you have other questions or concerns, please contact us directly through your Member Portal, contact us page, or by phone. 

  Customer Answer

  Date: 09/02/2023

  
  Better Business Bureau:
  
  In reference to complaint ID ********:

  I received the check which I requested from Solidarity Healthshare in the mail today, 9/2/2023.  This is the resolution I needed for a satisfactory conclusion, and with this I consider this complaint resolved.
  
  Regards,
  
  ***********************
  
   
  

• Initial Complaint

  Date:08/11/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My family and I have been members of Solidarity Healthshare since 06/01/2021. We've paid approximately $15,002 ($577 per month). They are increasing our share amount (monthly payment) to $769 per month in September. While Solidarity Healthshare has legal notices stating that they don't guarantee payment for medical bills, we have received many assurances over the phone by customer service representatives that our medical bills have been approved for payment and will be covered by Solidarity Healthshare. We have nearly $33,000 in unpaid medical bills that doctors offices and hospitals have billed to Solidarity for my family. My wife and I have four children. Our fourth, my seven month old daughter, has a heart defect that is being monitored and may need to be resolved surgically. We found out yesterday from the hospital that they will no longer bill Solidarity due to their delinquency in making payments. Our children qualify for ******** (CHIP), but can't utilize it unless we cancel Solidarity. We are caught in a position where my daughter needs care for her heart that the hospital won't bill to Solidarity because of their failure and ** CHIP says that they recognize Solidarity as insurance (even though it isn't) and so CHIP can't be billed for my children's medical expenses because they cannot have another insurance while utilizing CHIP. Please help us!

  Business Response

  Date: 08/21/2023

  Had you contacted Solidarity directly, the matter may have already been promptly resolved. We hope the following provides you additional clarity. 

  Healthcare Sharing Ministries (****s) operate by facilitating the sharing of their members financial resources each month to lighten the burden of healthcare costs on members of the **** who have medical needs. ****s are neither insurance companies nor substitutes for insurance plans. Although there is no guarantee that the members will be able to assist every member that submits a need that month, most members of ****s find that ****s provide them with a far cheaper, effective, and flexible means of accessing affordable healthcare than traditional insurance.

  Solidarity is unaware of any case where a minor could not quality for government assistance they otherwise qualify for because their family was a member of a health sharing ministry. In fact, Solidarity has observed that many children in its membership will qualify for government assistance due to health issues in the appropriate circumstances. Solidarity has already discussed this information with you and understands that your are in the process of getting your children reinstated for government assistance. Solidarity will support your familys efforts to qualify for government assistance if requested.

  Finally, your claim that Solidarity has delayed in making payments, Solidaritys records show that $16,997 of your medical expenses have been processed for sharing across the membership and that 37 requests remain to be processed. Such sharing should take place soon. Solidaritys member care team, as referenced above, has been in contact with you regarding the issues raised in this complaint, and they standby to assist you and your family through the medical challenges your family is facing.

• Initial Complaint

  Date:08/08/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Solidarity was a trusted health share that my family used; we had an excellent experience with them for our first child, but unfortunately, when we had our daughter two years later, we were not notified of a change on a new timely billing submission period. They changed their rules on when to submit a bill; instead of submitting a bill anytime, they needed to be submitted within 90 days of the service date. Since I had never received anything in the mail about the service change, an email explaining the service change, and/or was not given anything to sign saying I was aware of any change, I followed the rules I was aware of when I originally signed up with solidarity and my family was exposed to thousands of dollars medical bills we did not realize Solidarity would refuse to cover. Thankfully, solidarity said we could make an appeal and possibly be granted the appeal so that we could get reimbursed the thousands of dollars we already paid. After several months of waiting for an answer, they claimed the appeal couldn’t be granted due to the bills not being submitted in a timely fashion-which was exactly what I was appealing! I asked several times for proof I was notified of the change, and they would never respond. Solidarity’s negligence of informing their paying members of this change is absolutely scam worthy. They also decided that the bills I had already paid couldn’t even be accepted as my annual out of pocket. And to speak of timely submission, there was a bill that was luckily submitted within 90 days, and we are currently battling a collection agency because solidarity could not pay the bills in a timely manner. This is exactly why I opted to self pay for bills and go the reimbursement route. The service date was over a year ago and the issue still isn’t resolved. Solidarity is aware our credit score is on the line, but caring about customers isn’t a priority. Please steer clear of Solidarity and loopholes they can find to not pay!

  Business Response

  Date: 08/25/2023

  Thank you for having been a Member of Solidarity HealthShare.  

  We have been working on your behalf to resolve this situation for you.   There is information we need from your provider and have been reaching out and leaving messages with their billing department, but they have been unresponsive.   We will be continuing to reach out to get in contact with them to resolve things for you.  

  Regarding the updated Sharing Guidelines, Member’s have responsibility to stay abreast of updates to the Sharing Guidelines.  We share these updates with our membership when they are updated.  The timely filing requirements are common in the healthcare industry.

  If you have any questions, please contact us.  We would be happy to assist you further.

  Customer Answer

  Date: 08/26/2023

  I have asked multiple times for proof that I was notified of the sharing guidelines change and still have not been given anything. I had no idea of the change and my submissions of prenatal bills or lack thereof shows that. When I reinstated my membership of August 2021 I received something in the mail explaining things of solidarity and a life insurance type thing to sign, but even that paper mentioned nothing of the 90 day submission! I spent over $8,000 more than planned due to not being aware of the change. It is a businesses responsibility to  ensure their members are informed with new changes. I have nothing on paper or in my emails out the change. As a Catholic healthshare, I do not see you showing grace and mercy in this situation that has caused my family so much financial strain. In addition, it is a Christian’s responsibility to care for others and always do what is right. Not clearly informing customers of a serious change is unacceptable. It seems as though the intent was to get away with not reimbursing bills by making members unaware of the 90 day change, so Solidarity could cut their expenses. Solidarity is supposed to be a Christian healthshare, but they do not uphold Christian values in their business and are hypocritical about submitting things in “good time” while they leave their members be sent to collections due to Solidarity not paying bills on time. We are currently on Medicaid and that alone should show how these extra expenses are affecting our low income family. I asked for proof we were specifically informed of this change, and I have not gotten it, which shows that Solidarity did not do their best to inform their members of the 90 day submission rule, and quite possibly had the intent of misleading their long term members. I would like to receive my reimbursements of the bills I paid that went beyond my AUA. 

  Business Response

  Date: 09/07/2023

  Solidarity always seeks to serve its members in a faithful Christian manner in a spirit of solidarity and subsidiarity.  We are committed to serving you as a former member and desire to facilitate sharing your eligible medical bills.  All your submitted needs have completed processing according to our SHS Sharing Guidelines.  
  
  Our Sharing Guidelines determine what medical expenses are shared among the members of Solidarity HealthShare. Medical expenses that conflict with Catholic moral teachings is not shared, protecting the consciences of all members and this includes needs submitted incomplete or from P. 16, reads, “Timely Submission of Needs. Needs do not qualify for Sharing unless the Sharing Member submits a request for Sharing and documentation of Eligible Medical Expenses within ninety (90) days of receipt of the Healthcare Service or the date of discharge, as applicable. Failure to submit the request for Sharing within 90 days will not invalidate or reduce Shareable amount if submission within 90 days was not reasonably possible, so long as the request for Sharing is submitted within one (1) year.  Exodus 20:1-17, Gospel of John 14:15-21.  
  

  Every Member both initials and signs that they have received, read, and understand the SHS Sharing Guidelines and the Member Rights & Responsibilities of their Membership and agree to follow them and this includes being responsible for all updates.  
  

  Please give us a call so we can walk you through the process and answer any questions clear up the confusion you may have. We can be reached at (844) 313-4999.   
  

  Sincerely, 
  Solidarity HealthShare
  

  
  

  Customer Answer

  Date: 09/11/2023

  Please show me the signed documentation of me being informed of this change. I did sign paperwork in 2019 when I signed up as a member before there was a 90 day submission change. As I was unaware of the change, I clearly didn’t sign anything regarding an update in guidelines. I have been asking for proof I was notified of this change. I know there isn’t a signed document by me saying I was notified of the sharing change.

  I also did submit all of my bills within one year, and I did submit an appeal of all of my many bills not being submitted within the 90 days that was rejected. Solidarity’s response was that they couldn’t reimburse me due to not being submitted within 90 days- the very thing I was appealing. Including refusing to reimburse a bill that was submitted 92 days after service. Almost all of these bills were prenatal bills that would’ve all been covered. So far solidarity has not done anything to make this right. I have called, sent emails, and filled out the appeal. If everything you say is true and Solidarity follows Christian morals I will be awaiting my reimbursement and my appeal granted. I always paid my dues on time and my history can show I was a good member who tried to follow the rules I was aware of. 

  Business Response

  Date: 10/02/2023

  SIGNATURES & INITIALS OF BOTH
  **** * ***** ***** *********  03/02/2020 (attachment ****** **** Signatures.pdf)

  CHANGES
  TO SHARING GUIDELINES.
  I acknowledge that amendments to the Guidelines will take effect as soon as is
  administratively practical or as designated by the Board of Directors.
  Dates of Service of medical expenses submitted
  for sharing will be subject to the edition of the Guidelines in effect when
  recorded as received by Solidarity HealthShare and supersedes all other
  editions of the Guidelines and any other
  communications, written or verbal.

  ACCEPTANCE
  OF GUIDELINES.
  I have read and understand the Sharing Guidelines and accept them as the
  guiding document for all interactions among members and for determining
  the eligibility of medical expenses that I may
  submit for sharing. If a difference of opinion should arise as to the use,
  application or interpretation of those Sharing Guidelines, I will follow
  the appeal process outlined in the Sharing Guidelines for the
  resolution of any or all disputes. I acknowledge that I will treat all
  Solidarity HealthShare employees and representatives with mutual kindness
  and respect as taught by the Gospel of John 13:34 "I give
  you a new commandment: love one another. As I have loved you, so you also
  should love one another."
  

  FINAL
  AGREEMENT
  By signing below, I acknowledge that I have read this
  entire agreement in full and agree to comply with the above polices and
  guidelines of Solidarity HealthShare and acknowledge that I understand all terms, language, and concepts
  herein.
  

  ALL
  MEMBERS HAVE INITIALED AND HAVE SIGNATURES FOR EACH OF THESE POINTS AND OTHERS
  ON YOUR NEW MEMBER APPLICATION FOR SOLIDARITY HEALTHSHARE
  

  SHARING
  GUIDELINES VER. 11.0 / PAGE 16    2.
  Timely Submission of Needs. 

  Customer Answer

  Date: 10/16/2023

  The signed documents were from March of 2020, when my husband joined Solidarity. They do not show signatures I was asking for. Solidarity implemented a new billing submission timeline in November of 2021, that’s over a year and a half after these signatures were made. You then sent me a blog post from 2023, well past the date of when the new rule was implemented. I and you very well know this blog post was necessary since there were so many members who were unaware of the change for submitting bills within 90 days. If you look at your records, my husband and I left Solidarity for a brief time in the summer of 2021 and rejoined a few months later. Nothing was said about a change in guidelines AND nothing was signed then, as should’ve been the case. As a Christian company, I’m asking that solidarity humbly owns up to their mistake and make it right. I am a strong Catholic and would not be making false accusations or asking for reimbursement if I didn’t feel I was wronged.  Solidarity, please, I beg you, stop trying to tip toe your way out of this issue by submitting unrelated documents and signatures. Grant me the appeal I submitted in a timely manner after finding out about the time submission rule, and we can go on following God’s way. It is not right and does not follow Christian values to not own up to your wrongs and make them right, especially when your business claims they do otherwise. 
  
  
  ***** *** **** *****

  Business Response

  Date: 10/25/2023

  Thank you for acknowledging that
  you did receive the SHS Sharing Guidelines, read them, and agreed to follow
  them and “all other editions of the Guidelines and any other communications,
  written or verbal.”  EVERY Member of
  Solidarity agrees to support one another in sharing according to the
  Guidelines.  

  Our Appeals Team determined in
  June, that the Guidelines were followed correctly and that the needs submitted
  outside the Timely Submission of Needs (TSN) are NOT shareable without any
  updated Proof of Timely Submission or Timestamps from your provider(s) & active
  Membership is a requirement for sharing as well.
  

  CHANGES TO SHARING GUIDELINES.
  I acknowledge that amendments to the Guidelines will take effect as soon as is
  administratively practical or as designated by the Board of Directors.
  Dates of Service of medical expenses submitted
  for sharing will be subject to the edition of the Guidelines in effect when
  recorded as received by Solidarity HealthShare and supersedes all other
  editions of the Guidelines and any other
  communications, written or verbal.
  

  ACCEPTANCE
  OF GUIDELINES.
  I have read and understand the Sharing Guidelines and accept them as the
  guiding document for all interactions among members and for determining
  the eligibility of medical expenses that I may
  submit for sharing. If a difference of opinion should arise as to the use,
  application or interpretation of those Sharing Guidelines, I will follow
  the appeal process outlined in the Sharing Guidelines for the
  resolution of any or all disputes. I acknowledge that I will treat all
  Solidarity HealthShare employees and representatives with mutual kindness
  and respect as taught by the Gospel of John 13:34 "I give
  you a new commandment: love one another. As I have loved you, so you also
  should love one another."
  

  We thank you for your time as a
  Member of our healthsharing ministry and will continue to pray for your family
  and your health and faith.  
  
  Sincerely,
  
  Solidarity HealthShare

  Customer Answer

  Date: 11/04/2023

   I don't know how many different ways I can make this clear: I agreed to follow the sharing guidelines in 2020, what I am disputing and what I appealed is that I was NOT made aware of these new sharing guidelines from 2022.  Do you not think you have an obligation, if at the very least, a moral obligation, to properly notify customers of such serious changes? You in fact stated nothing was specifically sent out right away regarding the changes. You have not been able to show me any signatures stating I was aware of the change. You state appeals are for situations like mine, yet when I appeal the timely submission due to NOT BEING CLEAERLY NOTIFIED of the change, you say the appeal can't be granted because things weren't submitted on time. Solidarity, you aren't listening. You aren't staying true to what you say you offer, and you certainly aren't setting members up for success when trying to be sly about changing rules that could save you thousands by not notifying members directly. How can you hold members to such a quick time submission of bills when you allow members, such as me, to be sent to collections for taking over a year to even pay a bill?! This double standard needs to stop! Where is there mercy and grace in this situation? What is the point of an appeal when you won't listen to the reason for appealing? Again, I asked for PROOF Solidarity notified me of the change, or to reimburse the over $8,000 I had to pay out of pocket. You haven't sent me proof and stated you don't have what I'm asking for due to not notifying your members clearly, so I will not settle with this complaint until things are made right by reimbursement. 

• Initial Complaint

  Date:07/31/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Beginning of 2018 my wife and I were searching for a more affordable healthcare option after the birth of our first daughter. We were recommended Solidarity Healthshare by a friend. I researched their site and spoke with a representative in order to confirm whether or not they covered pregnancies and child birth as we were hoping to start trying for another baby. I was told after our Annual Unshared Amount (AUA), that all maternity bills would be taken care of. We conceived, and had a second daughter in November 2018. We immediately struggled to have Solidarity pay their portion following our $1500 AUA payment. The hold up, per Solidarity, was that we did not pay our bills chronologically, which caused confusion on their side of the billing. Understandable, and we worked for nearly a year to get everything resolved. Or so I thought.
  
  My wife and I conceived again during Covid (summer 2020) and informed Solidarity. I paid one bill to Mowery Clinic (January 2021) out of guilt after purposely trying not to pay a dime until after the birth. Our son was born April 2021. I called Solidarity to see who I needed to write out checks to, and for what amount. They said they couldn't process billing until my wife and I filled out a Maternity Pre-Notification, which was the first I was told about it. I submitted the document multiple times (being told I had incorrect or missing info each time), before it was finally accepted in early October. Then they struggled with confirmation of my payment to Mowery. Finally I received a proper Estimation Of Sharing (EOS) and wrote out the proper checks to all parties. Despite submitting proof that I paid my $1500 AUA in full, Solidarity did not pay their portion and then sent me to third-party AMPS (Advance Medical Pricing Solutions) because we were 12 months past my son's birth (April 2022). AMPS has since been "working on a resolution."
  
  Now I'm being sued for unpaid bills INCLUDING a bill from my 2nd daughters birth that was "resolved."

  Business Response

  Date: 08/05/2023

  We are committed to serving
  you as a former member in a faithful Christian manner in a spirit of solidarity
  and subsidiarity.
  
  Our Sharing Guidelines
  determine what medical expenses are shared among the members of Solidarity
  HealthShare. Please understand since your
  Voluntary Withdrawal of Membership 02/01/2022--Section VI. A. (p. 9) in the
  Sharing Guidelines reads: "Only Sharing Members with an active Membership
  will have their Eligible Medical Expenses Shared.”  This has been
  part of our SHS Sharing Guidelines since 11/01/2021. 
  
  Regarding any pending medical
  bills, Sharing Members have allowed a Charitable Exemption to our sharing
  Guidelines for 222-0000051798-00 that was submitted missing codes originally
  and without an approved Maternity Pre-Notification & Clinicals (MPNT) &
  beyond the Timely Submission of Needs (13) months after DOS 04/12/2021 &
  after VWOM on 02/01/2022--this need was received late on 05/10/2023. 
  
  Since SHS
  does not “pay bills” we help facilitate sharing of our Sharing community. 
  Every Member both initials and signs that they have received, read, and
  understand the SHS Sharing Guidelines and the Member Rights &
  Responsibilities of their Membership.  From the cover of the Sharing
  Guidelines and explained on back of Member ID Card and each Explanation of
  Sharing (EOS) that is sent out shares, “ATTENTION: This program is not an
  insurance company nor is it offered through an insurance company. 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 receive any payments for
  medical expenses and whether or not this program continues to operate, you are
  always liable for any unpaid bills.” 
  
  We thank you for your time as
  a Member of our healthsharing ministry. 
  
  Sincerely,
  Solidarity HealthShare

  Business Response

  Date: 08/05/2023

  We are committed to serving
  you as a former member in a faithful Christian manner in a spirit of solidarity
  and subsidiarity.
  
  Our Sharing Guidelines
  determine what medical expenses are shared among the members of Solidarity
  HealthShare. Please understand since your
  Voluntary Withdrawal of Membership 02/01/2022--Section VI. A. (p. 9) in the
  Sharing Guidelines reads: "Only Sharing Members with an active Membership
  will have their Eligible Medical Expenses Shared.”  This has been
  part of our SHS Sharing Guidelines since 11/01/2021. 
  
  Regarding any pending medical
  bills, Sharing Members have allowed a Charitable Exemption to our sharing
  Guidelines for 222-0000051798-00 that was submitted missing codes originally
  and without an approved Maternity Pre-Notification & Clinicals (MPNT) &
  beyond the Timely Submission of Needs (13) months after DOS 04/12/2021 &
  after VWOM on 02/01/2022--this need was received late on 05/10/2023. 
  
  Since SHS
  does not “pay bills” we help facilitate sharing of our Sharing community. 
  Every Member both initials and signs that they have received, read, and
  understand the SHS Sharing Guidelines and the Member Rights &
  Responsibilities of their Membership.  From the cover of the Sharing
  Guidelines and explained on back of Member ID Card and each Explanation of
  Sharing (EOS) that is sent out shares, “ATTENTION: This program is not an
  insurance company nor is it offered through an insurance company. 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 receive any payments for
  medical expenses and whether or not this program continues to operate, you are
  always liable for any unpaid bills.” 
  
  We thank you for your time as
  a Member of our healthsharing ministry. 
  
  Sincerely,
  Solidarity HealthShare

  Customer Answer

  Date: 08/07/2023

  I will address each part of Solidarity's response in my rejection.

  "Our Sharing Guidelines..."

  These guidelines were put in place AFTER the birth of both of my children (November 2018 and April 2021 respectively). That's like a business saying they will issue a full refund for a product and then retracting that statement on 11/1/21. I would understand that it applies to customers who purchase a product beyond that date, but the business should honor the refunds to products purchased before that date. I only withdrew membership because why pay for a HeathShare plan that refuses to assist in paying my medical bills when the time comes?
  
  "Regarding any pending..."

  All pending bills were pending because you refused to process paperwork and payment. My wife's Maternity Pre-Notification was approved long before 5/10/23 and all bills and my AUA were submitted before 5/10/23.
  
  "Since SHS does not..."

  I've always understood the guidelines listed. Yet, as I stated, when I initially called regarding the potential pregnancy of my wife I was assured that all of the basic procedures needed for pregnancy including emergency situations like c-sections are covered under your guidelines. The majority of bills were paid out for my daughter (2018) which makes no sense why the same bills from the same providers aren't being paid for my son. Our medical treatment wasn't different for either pregnancy and your payments shouldn't have been different either.

  I want to once again request that all of my outstanding bills be paid and a written apology be made out to those healthcare professionals for the unprofessionalism on your part. This would also include my legal fees as I'm only going to court because of your lack of timeliness. I would hope that you treat all of your past and current members with that same dignity and respect as well.

  Customer Answer

  Date: 08/07/2023

  I will address each part of Solidarity's response in my rejection.

  "Our Sharing Guidelines..."

  These guidelines were put in place AFTER the birth of both of my children (November 2018 and April 2021 respectively). That's like a business saying they will issue a full refund for a product and then retracting that statement on 11/1/21. I would understand that it applies to customers who purchase a product beyond that date, but the business should honor the refunds to products purchased before that date. I only withdrew membership because why pay for a HeathShare plan that refuses to assist in paying my medical bills when the time comes?
  
  "Regarding any pending..."

  All pending bills were pending because you refused to process paperwork and payment. My wife's Maternity Pre-Notification was approved long before 5/10/23 and all bills and my AUA were submitted before 5/10/23.
  
  "Since SHS does not..."

  I've always understood the guidelines listed. Yet, as I stated, when I initially called regarding the potential pregnancy of my wife I was assured that all of the basic procedures needed for pregnancy including emergency situations like c-sections are covered under your guidelines. The majority of bills were paid out for my daughter (2018) which makes no sense why the same bills from the same providers aren't being paid for my son. Our medical treatment wasn't different for either pregnancy and your payments shouldn't have been different either.

  I want to once again request that all of my outstanding bills be paid and a written apology be made out to those healthcare professionals for the unprofessionalism on your part. This would also include my legal fees as I'm only going to court because of your lack of timeliness. I would hope that you treat all of your past and current members with that same dignity and respect as well.

  Business Response

  Date: 08/18/2023

  Thank you for your being a Member of Solidarity HealthShare.

  Here is the breakdown of the timeframe we’re looking at:

  Birth: April 2021
  Voluntary Withdrawal Of Membership: 2/1/2022
  Maternity Bill Received: 5/10/2022
  
  Many of your wife's maternity bills have been shared according to our Sharing Guidelines as they were received in a reasonable time after the date of service.   The maternity bill in question was submitted two days shy of 1 year after the birth (we have a 90 calendar-day timely filing limit) and three months after your voluntary withdrawal of membership.   These guidelines protect the active members of our ministry.   

  Our ministry is not the only healthshare with timely filing requirements as this is a standard practice in the conventional insurance industry also.  

  If there is documentation that you or your provider submitted the bill under the timely filing timeframe then we are happy to facilitate charity sharing even though your are no longer members.    

  Business Response

  Date: 08/18/2023

  Thank you for your being a Member of Solidarity HealthShare.

  Here is the breakdown of the timeframe we’re looking at:

  Birth: April 2021
  Voluntary Withdrawal Of Membership: 2/1/2022
  Maternity Bill Received: 5/10/2022
  
  Many of your wife's maternity bills have been shared according to our Sharing Guidelines as they were received in a reasonable time after the date of service.   The maternity bill in question was submitted two days shy of 1 year after the birth (we have a 90 calendar-day timely filing limit) and three months after your voluntary withdrawal of membership.   These guidelines protect the active members of our ministry.   

  Our ministry is not the only healthshare with timely filing requirements as this is a standard practice in the conventional insurance industry also.  

  If there is documentation that you or your provider submitted the bill under the timely filing timeframe then we are happy to facilitate charity sharing even though your are no longer members.    

  Customer Answer

  Date: 08/21/2023

  Here is the breakdown of the timeframe we’re looking at:
  Birth: April 2021
  Voluntary Withdrawal Of Membership: 2/1/2022
  Maternity Bill Received: 5/10/2022
  
  Many of your wife's maternity bills have been shared according to our Sharing Guidelines as they were received in a reasonable time after the date of service.   The maternity bill in question was submitted two days shy of 1 year after the birth (we have a 90 calendar-day timely filing limit) and three months after your voluntary withdrawal of membership.   These guidelines protect the active members of our ministry.   
  Our ministry is not the only healthshare with timely filing requirements as this is a standard practice in the conventional insurance industry also.  
  If there is documentation that you or your provider submitted the bill under the timely filing timeframe then we are happy to facilitate charity sharing even though your are no longer members.

  Hmm, interesting response. Whereas if you look at the attached Total EOS and Checks, it clearly lists all of the bills properly on the EOS with the sole exception of the Mowery VBAC Delivery (page 9 of that file if you are having trouble finding it). That exact bill, along with my proof of $394 of eligible reimbursement was sent on 1/12/22, before I withdrew my membership. But if that's NOT the bill you are referring to, then please enlighten me. You won't even specifically mention what bill is supposedly missing and being sent on 5/10/22. Which oh by the way, I never sent anything to you on that day. Also the Salina Regional bill was, and I quote "in the final stages of completion" via email from Nikki Ausdemore received 11/9/21. Please explain again exactly what it was I submitted late? I'll gladly continue providing documentation (again) proving the providers and myself did everything in the proper timeframe.

  Customer Answer

  Date: 08/21/2023

  Here is the breakdown of the timeframe we’re looking at:
  Birth: April 2021
  Voluntary Withdrawal Of Membership: 2/1/2022
  Maternity Bill Received: 5/10/2022
  
  Many of your wife's maternity bills have been shared according to our Sharing Guidelines as they were received in a reasonable time after the date of service.   The maternity bill in question was submitted two days shy of 1 year after the birth (we have a 90 calendar-day timely filing limit) and three months after your voluntary withdrawal of membership.   These guidelines protect the active members of our ministry.   
  Our ministry is not the only healthshare with timely filing requirements as this is a standard practice in the conventional insurance industry also.  
  If there is documentation that you or your provider submitted the bill under the timely filing timeframe then we are happy to facilitate charity sharing even though your are no longer members.

  Hmm, interesting response. Whereas if you look at the attached Total EOS and Checks, it clearly lists all of the bills properly on the EOS with the sole exception of the Mowery VBAC Delivery (page 9 of that file if you are having trouble finding it). That exact bill, along with my proof of $394 of eligible reimbursement was sent on 1/12/22, before I withdrew my membership. But if that's NOT the bill you are referring to, then please enlighten me. You won't even specifically mention what bill is supposedly missing and being sent on 5/10/22. Which oh by the way, I never sent anything to you on that day. Also the Salina Regional bill was, and I quote "in the final stages of completion" via email from Nikki Ausdemore received 11/9/21. Please explain again exactly what it was I submitted late? I'll gladly continue providing documentation (again) proving the providers and myself did everything in the proper timeframe.

  Business Response

  Date: 11/25/2023

  Solidarity
  always seeks to serve its members in a faithful Christian manner in a spirit of
  solidarity and subsidiarity.  All your
  submitted needs have completed processing according to our SHS Sharing
  Guidelines.
  
  Our
  Sharing Guidelines determine what medical expenses are shared among the members
  of Solidarity HealthShare. Medical expenses that conflict with Catholic moral
  teachings is not shared, protecting the consciences of all members and this
  includes needs submitted incomplete or missing Pre-Notifications. 
  
  Please
  understand since your Voluntary Withdrawal of Membership 02/01/2022--Section
  VI. A. (p. 9) in the Sharing Guidelines reads: "Only Sharing Members with
  an active Membership will have their Eligible Medical Expenses Shared.”  This has been part of our SHS Sharing
  Guidelines since 11/01/2021.  Again, regarding
  any pending medical bills, Sharing Members have allowed a Charitable Exemption
  to our sharing Guidelines for 222-0000051798-00 that was submitted missing
  codes originally and without an approved Maternity Pre-Notification &
  Clinicals (MPNT) & also beyond the Timely Submission of Needs.  This is currently in the Pay Terminated queue
  to match with sharing funds after our Active Sharing Members needs have been shared.
  
  Every
  Member both initials and signs that they have received, read, and understand
  the SHS Sharing Guidelines and the Member Rights & Responsibilities of
  their Membership and agree to follow them and this includes being responsible
  for all updates.
  
  There is
  a learning curve when switching from traditional insurance and healthcare
  sharing. If you need help understanding how Solidarity works or if you’d like a
  copy of our guidelines we are happy to train your family and can be reached at
  (844) 313-4999.  
  
  Sincerely,
  
  Solidarity
  HealthShare

  Business Response

  Date: 11/25/2023

  Solidarity
  always seeks to serve its members in a faithful Christian manner in a spirit of
  solidarity and subsidiarity.  All your
  submitted needs have completed processing according to our SHS Sharing
  Guidelines.
  
  Our
  Sharing Guidelines determine what medical expenses are shared among the members
  of Solidarity HealthShare. Medical expenses that conflict with Catholic moral
  teachings is not shared, protecting the consciences of all members and this
  includes needs submitted incomplete or missing Pre-Notifications. 
  
  Please
  understand since your Voluntary Withdrawal of Membership 02/01/2022--Section
  VI. A. (p. 9) in the Sharing Guidelines reads: "Only Sharing Members with
  an active Membership will have their Eligible Medical Expenses Shared.”  This has been part of our SHS Sharing
  Guidelines since 11/01/2021.  Again, regarding
  any pending medical bills, Sharing Members have allowed a Charitable Exemption
  to our sharing Guidelines for 222-0000051798-00 that was submitted missing
  codes originally and without an approved Maternity Pre-Notification &
  Clinicals (MPNT) & also beyond the Timely Submission of Needs.  This is currently in the Pay Terminated queue
  to match with sharing funds after our Active Sharing Members needs have been shared.
  
  Every
  Member both initials and signs that they have received, read, and understand
  the SHS Sharing Guidelines and the Member Rights & Responsibilities of
  their Membership and agree to follow them and this includes being responsible
  for all updates.
  
  There is
  a learning curve when switching from traditional insurance and healthcare
  sharing. If you need help understanding how Solidarity works or if you’d like a
  copy of our guidelines we are happy to train your family and can be reached at
  (844) 313-4999.  
  
  Sincerely,
  
  Solidarity
  HealthShare

  Customer Answer

  Date: 12/04/2023

  "Our Sharing Guidelines determine what medical expenses are shared among the members of Solidarity HealthShare. Medical expenses that conflict with Catholic moral teachings is not shared, protecting the consciences of all members and this includes needs submitted incomplete or missing Pre-Notifications."

  Please explain what exactly conflicted with the teachings when we had the same doctor, same hospital, same birthing experience that was perfectly acceptable and within your guidelines as of 2021. My wife and I are devout practicing Catholics, so much so that I literally work for our town parish. Our pre-notification wasn't incomplete or missing. Again Nikki Ausdemore confirmed on 11/9/21 that we were in the final stages of completion which would include the Pre-Notification that would've HAD to have been approved even before you supposed 11/1/21 date of SHS.

  "Every Member both initials and signs that they have received, read, and understand the SHS Sharing Guidelines and the Member Rights & Responsibilities of their Membership and agree to follow them and this includes being responsible for all updates."

  I've also never signed or initialed anything outside of our original membership documents from February of 2018 (which you refused to send me copies of when I asked, at the request of my lawyer).The only thing you ever sent out was the launch of your "exciting" new pricing structure which was just a fancy way of saying "higher monthly share amounts and an increased annual unshared amount." That's premium and deductible for all those health insurance experts out there. But friendly reminder, Solidarity is NOT health insurance.

  "This is currently in the Pay Terminated queue to match with sharing funds after our Active Sharing Members needs have been shared."

  This means nothing when you don't actually explain what the Pay Terminated queue is. What am I supposed to do with that information?

  Your company is a joke and a scam.

  Customer Answer

  Date: 12/04/2023

  "Our Sharing Guidelines determine what medical expenses are shared among the members of Solidarity HealthShare. Medical expenses that conflict with Catholic moral teachings is not shared, protecting the consciences of all members and this includes needs submitted incomplete or missing Pre-Notifications."

  Please explain what exactly conflicted with the teachings when we had the same doctor, same hospital, same birthing experience that was perfectly acceptable and within your guidelines as of 2021. My wife and I are devout practicing Catholics, so much so that I literally work for our town parish. Our pre-notification wasn't incomplete or missing. Again Nikki Ausdemore confirmed on 11/9/21 that we were in the final stages of completion which would include the Pre-Notification that would've HAD to have been approved even before you supposed 11/1/21 date of SHS.

  "Every Member both initials and signs that they have received, read, and understand the SHS Sharing Guidelines and the Member Rights & Responsibilities of their Membership and agree to follow them and this includes being responsible for all updates."

  I've also never signed or initialed anything outside of our original membership documents from February of 2018 (which you refused to send me copies of when I asked, at the request of my lawyer).The only thing you ever sent out was the launch of your "exciting" new pricing structure which was just a fancy way of saying "higher monthly share amounts and an increased annual unshared amount." That's premium and deductible for all those health insurance experts out there. But friendly reminder, Solidarity is NOT health insurance.

  "This is currently in the Pay Terminated queue to match with sharing funds after our Active Sharing Members needs have been shared."

  This means nothing when you don't actually explain what the Pay Terminated queue is. What am I supposed to do with that information?

  Your company is a joke and a scam.

  Business Response

  Date: 01/19/2024

  Good day ********

  Attached are the signatures and agreement for both adult members **** * ******* ******  182362807  A&E  01/01/2018  TERMINATED  02/01/2022.

  ****** 182362807 SIGNATURES &
  AGREEMENT 20171215.pdf

  SHS Timely Submission of Needs or
  TFL.pdf
  From the Business on Saturday, August 5, 2023 BBB COMPLAINT #  ********
  From the Business on Saturday, November 25, 2023 BBB COMPLAINT
  #  ********
  From the Business on Friday, August 18, 2023  BBB COMPLAINT
  #  ********  FROM OUR CHIEF MEDICAL OFFICER

  Marc ****** – m******[email protected]
                
  9/3/21 – Solidarity ONE Announcement Email – Opened
                
  2/3/22 – Guideline Changes Email w/ TFL Update – Opened 

  ALL (31) NEEDS PROCESSED
  ON AVERAGE OF LESS THAN 115 BUSINESS DAYS
  (12) NEEDS OR (39%) PROCESSED OVER 120
  BUSINESS DAYS AND (19) NEEDS OR (61%) PROCESSED UNDER 120 BUSINESS DAYS

  Voluntary
  Withdrawal of Membership 02/01/2022--Section VI. A. (p. 9) in the Sharing
  Guidelines reads: "Only Sharing Members with an active Membership will
  have their Eligible Medical Expenses Shared.” 
  This has been part of our SHS Sharing Guidelines since 11/01/2021.  Again, regarding any pending medical bills,
  Sharing Members have allowed a Charitable Exemption to our sharing Guidelines
  for 222-0000051798-00 that was submitted missing codes originally and without
  an approved Maternity Pre-Notification & Clinicals (MPNT) & also beyond
  the Timely Submission of Needs. 

  222-0000051798-00
  ****** ***
  ****** ******                     *********           ******* *******                182362807          PAY                      
  04/12/2021                05/10/2022        09/15/2022                         O34.211            
  3175.00                3175.00
  SG-M100000039727 Added on 09/13/2022 @ 10:42:09
  Need icd 10dx code. Moved to 'Need Additional Info' queue. Patient
  paid partial amount Added on 05/10/2022 @ 05:22:55
  PROOF OF PAYMENT
  (POP)/RECEIPT  $299.45
  ORIGINALLY TO SHARE $2,875.55
  RECEIVED 3 MONTHS AFTER (VWOM)

   

  Business Response

  Date: 01/19/2024

  Good day ********

  Attached are the signatures and agreement for both adult members **** * ******* ******  182362807  A&E  01/01/2018  TERMINATED  02/01/2022.

  ****** 182362807 SIGNATURES &
  AGREEMENT 20171215.pdf

  SHS Timely Submission of Needs or
  TFL.pdf
  From the Business on Saturday, August 5, 2023 BBB COMPLAINT #  ********
  From the Business on Saturday, November 25, 2023 BBB COMPLAINT
  #  ********
  From the Business on Friday, August 18, 2023  BBB COMPLAINT
  #  ********  FROM OUR CHIEF MEDICAL OFFICER

  Marc ****** – m******[email protected]
                
  9/3/21 – Solidarity ONE Announcement Email – Opened
                
  2/3/22 – Guideline Changes Email w/ TFL Update – Opened 

  ALL (31) NEEDS PROCESSED
  ON AVERAGE OF LESS THAN 115 BUSINESS DAYS
  (12) NEEDS OR (39%) PROCESSED OVER 120
  BUSINESS DAYS AND (19) NEEDS OR (61%) PROCESSED UNDER 120 BUSINESS DAYS

  Voluntary
  Withdrawal of Membership 02/01/2022--Section VI. A. (p. 9) in the Sharing
  Guidelines reads: "Only Sharing Members with an active Membership will
  have their Eligible Medical Expenses Shared.” 
  This has been part of our SHS Sharing Guidelines since 11/01/2021.  Again, regarding any pending medical bills,
  Sharing Members have allowed a Charitable Exemption to our sharing Guidelines
  for 222-0000051798-00 that was submitted missing codes originally and without
  an approved Maternity Pre-Notification & Clinicals (MPNT) & also beyond
  the Timely Submission of Needs. 

  222-0000051798-00
  ****** ***
  ****** ******                     *********           ******* *******                182362807          PAY                      
  04/12/2021                05/10/2022        09/15/2022                         O34.211            
  3175.00                3175.00
  SG-M100000039727 Added on 09/13/2022 @ 10:42:09
  Need icd 10dx code. Moved to 'Need Additional Info' queue. Patient
  paid partial amount Added on 05/10/2022 @ 05:22:55
  PROOF OF PAYMENT
  (POP)/RECEIPT  $299.45
  ORIGINALLY TO SHARE $2,875.55
  RECEIVED 3 MONTHS AFTER (VWOM)

   

  Customer Answer

  Date: 02/27/2024

  "Voluntary Withdrawal of Membership 02/01/2022--Section VI. A...... also beyond the Timely Submission of Needs."

  As you will see on the prenote approved email attachment, everything was approved as of October 6 2021 per Nikki, before these guidelines of yours took effect and before our VWOM.

  "222-0000051798-00
  ****** ***
  ****** ******                     481145374           ******* *******                182362807          PAY                       04/12/2021                05/10/2022        09/15/2022                         O34.211             3175.00                3175.00
  SG-M100000039727 Added on 09/13/2022 @ 10:42:09
  Need icd 10dx code. Moved to 'Need Additional Info' queue. Patient paid partial amount Added on 05/10/2022 @ 05:22:55
  PROOF OF PAYMENT (POP)/RECEIPT  $299.45
  ORIGINALLY TO SHARE $2,875.55
  RECEIVED 3 MONTHS AFTER (VWOM)"

  I also had submitted the prenote documentation on June 29 2021, not even an hour after it was requested of me because I was not previously made aware of a pre-notification since it wasn't required with our daughter in 2019. On the prenotification (which I have attached again) and as I indicate in the email, ***** with ****** said all of the codes you needed should've been accessible on the billing you received from them. This is the first I'm learning of needing the "icd 10dx code" and if I would've EVER been told that those were the "missing codes" as opposed to a generic "we are missing some information" then I would've worked harder to acquire those for you. Even though my personal opinion would state you should call and get those yourself. Add that to the fact that again, Nikki from the email in October said everything was approved which would indicate you indeed got the icd 10dx codes necessary to approve the prenotification.

  Please pay the $3175.00 to Mowery and write a letter of apology to Dr. ****** accepting full responsibility so that at least ONE portion of this mess can be resolved (years later). Thank you.

  Customer Answer

  Date: 02/27/2024

  "Voluntary Withdrawal of Membership 02/01/2022--Section VI. A...... also beyond the Timely Submission of Needs."

  As you will see on the prenote approved email attachment, everything was approved as of October 6 2021 per Nikki, before these guidelines of yours took effect and before our VWOM.

  "222-0000051798-00
  ****** ***
  ****** ******                     481145374           ******* *******                182362807          PAY                       04/12/2021                05/10/2022        09/15/2022                         O34.211             3175.00                3175.00
  SG-M100000039727 Added on 09/13/2022 @ 10:42:09
  Need icd 10dx code. Moved to 'Need Additional Info' queue. Patient paid partial amount Added on 05/10/2022 @ 05:22:55
  PROOF OF PAYMENT (POP)/RECEIPT  $299.45
  ORIGINALLY TO SHARE $2,875.55
  RECEIVED 3 MONTHS AFTER (VWOM)"

  I also had submitted the prenote documentation on June 29 2021, not even an hour after it was requested of me because I was not previously made aware of a pre-notification since it wasn't required with our daughter in 2019. On the prenotification (which I have attached again) and as I indicate in the email, ***** with ****** said all of the codes you needed should've been accessible on the billing you received from them. This is the first I'm learning of needing the "icd 10dx code" and if I would've EVER been told that those were the "missing codes" as opposed to a generic "we are missing some information" then I would've worked harder to acquire those for you. Even though my personal opinion would state you should call and get those yourself. Add that to the fact that again, Nikki from the email in October said everything was approved which would indicate you indeed got the icd 10dx codes necessary to approve the prenotification.

  Please pay the $3175.00 to Mowery and write a letter of apology to Dr. ****** accepting full responsibility so that at least ONE portion of this mess can be resolved (years later). Thank you.

• Initial Complaint

  Date:07/27/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Solidarity does not keep their word, gives the run around, blames members endlessly instead of owning their many failings and incompetencies, and ultimately misuses member resources. I submitted the invoice for my birth center birth ($4k) in April 2022. She was born a month later. Since solidarity takes forever to pay, and we knew this from experience, we took out a loan to pay upfront because full payment was required by the birth center. Several months later I realized we still had not been reimbursed and reached out. That began a months long back and forth with different reps telling me different things, resubmitting and resubmitting and resubmitting, being told at least twice that I had submitted everything necessary and would be reimbursed, only to never be reimbursed and be given different excuses every time I talked to a rep, which was over a dozen times between emails and follow up calls. I now believe that Solidarity often has no intention of paying out what members are owed, and hopes that members eventually get so stressed from the hoops they have to jump through that they just give up. I have screenshots of the confirmation emails that my needs I submitted were received in April 2022. But a year and a half later have still not ever been reimbursed. Solidarity operates incompetently at best and deceitfully/fraudulently at worst. I wouldn't recommend them to ANYONE. They're supposed to be Catholic and pro-life, but they sure don't act like it. (This is only one specific complaint, there have been a multitude of issues, I listed this one because it's the largest unpaid reimbursement we have.)

  Business Response

  Date: 08/03/2023

  We are
  committed to serving you as a former member in a faithful Christian manner in a
  spirit of solidarity and subsidiarity.
  
  Our
  Sharing Guidelines determine what medical expenses are shared among the members
  of Solidarity HealthShare. Please understand since your Voluntary
  Withdrawal of Membership 01/01/2023--Section VI. A. (p. 9) in the Sharing
  Guidelines reads: "Only Sharing Members with an active Membership will
  have their Eligible Medical Expenses Shared.”  This has been part of our SHS Sharing
  Guidelines since 11/01/2021. 
  
  Regarding
  any pending medical bills, Sharing Members have allowed a Charitable Exemption
  to our sharing Guidelines for ***************** that was submitted beyond the
  Timely Submission of Needs & after VWOM on 01/01/2023--this need was
  received late on 01/31/2023. 
  
  Since SHS does not “pay bills” we help facilitate sharing of
  our Sharing community.  Every Member both initials and signs that they
  have received, read, and understand the SHS Sharing Guidelines and the Member
  Rights & Responsibilities of their Membership.  From the cover of the
  Sharing Guidelines and explained on back of Member ID Card and each Explanation
  of Sharing (EOS) that is sent out shares, “ATTENTION: This program is not an
  insurance company nor is it offered through an insurance company. 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 receive any payments for
  medical expenses and whether or not this program continues to operate, you are
  always liable for any unpaid bills.” 
  
  We thank
  you for your time as a Member of our healthsharing ministry and will continue
  to pray for your family and your health and faith. 
  
  Sincerely,
  Solidarity
  HealthShare

  Customer Answer

  Date: 08/04/2023

  Not only is this response inaccurate, it is also blatantly dishonest.  Attached is the email thread I initiated in March 2022, with all dates and reps I corresponded with in regards to our maternity needs.  By paying attention to these many email correspondence dates it is clear that this need was attempted to be resolved LONG before we canceled our membership.  Also attached is a screenshot of my email inbox with the confirmation of need receipt from Solidarity to me for needs dated 4/7/22, 4/7/22, 4/11/22, 4/11/22, and 4/11/22.  This directly matches the dates in the emails I sent to the maternity department.  Stop gaslighting members, stop claiming members aren't doing what they are supposed to do, and stop being dishonest about members "untimely filing."  Members are not responsible for Solidarity's software "losing" submissions or anything else on Solidarity's end.  Take ownership of your own mistakes and make it right.  I will also be contacting our phone carrier to get a log of all the calls I made to Solidarity and all the time I spent on the phone probably at least half a dozen times in regard to this need, and I will post it here as well, in future responses.

  Business Response

  Date: 08/15/2023

  We are committed to keep serving you and your family even as past members.  Our maternity team will be reaching out to ensure we have all the details needed.  Please work with them, so we can obtain all the information we need to extend a charity exception for your medical needs and facilitate sharing them as soon possible.

  Customer Answer

  Date: 08/21/2023

  I tried to allow as much time as possible before rejecting this response.  Solidarity reached out to me, completely flipping the script again, saying the hold up on the reimbursement is because it should have been paid for by Medicaid.  When I replied saying this bill was not covered be Medicaid and forwarded them the email from the billing department confirming the same, the next correspondence I received said "oh I wasn't talking about the birth center bill, I was talking about a different bill."  This makes no sense whatsoever,  given all my correspondence since November when I reached back out about this missing reimbursement has been about the birth center bill and this BBB complaint is about the missing reimbursement for the birth center bill.  

  Customer Answer

  Date: 08/21/2023

  I tried to allow as much time as possible before rejecting this response.  Solidarity reached out to me, completely flipping the script again, saying the hold up on the reimbursement is because it should have been paid for by Medicaid.  When I replied saying this bill was not covered be Medicaid and forwarded them the email from the billing department confirming the same, the next correspondence I received said "oh I wasn't talking about the birth center bill, I was talking about a different bill."  This makes no sense whatsoever,  given all my correspondence since November when I reached back out about this missing reimbursement has been about the birth center bill and this BBB complaint is about the missing reimbursement for the birth center bill.  

  Customer Answer

  Date: 08/21/2023

  I tried to allow as much time as possible before rejecting this response.  Solidarity reached out to me, completely flipping the script again, saying the hold up on the reimbursement is because it should have been paid for by Medicaid.  When I replied saying this bill was not covered be Medicaid and forwarded them the email from the billing department confirming the same, the next correspondence I received said "oh I wasn't talking about the birth center bill, I was talking about a different bill."  This makes no sense whatsoever,  given all my correspondence since November when I reached back out about this missing reimbursement has been about the birth center bill and this BBB complaint is about the missing reimbursement for the birth center bill.  

• Initial Complaint

  Date:05/29/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We are awaiting Solidarity Healthshare to pay outstanding medical bills from 2020. We have been continously told our bill is awaiting payment. We started receiving calls and mail from a collection agency is September of 2022. We have friends who have had medical bills paid from just 4 months ago. Every contact we continue to made with Solidarity is had been entirely unproductive.
  
  See document attached for details.

  Business Response

  Date: 06/12/2023

  Solidarity
  always seeks to serve its members in a faithful Christian manner in a spirit of
  solidarity and subsidiarity.  We are
  committed to serving you as a former member and desire to facilitate sharing
  your eligible medical bills.  As you have
  been properly informed earlier, we do not have exact timeframes for the
  availability of matching sharing funds from active Sharing Members.
  
  Our
  Sharing Guidelines determine what medical expenses are shared among the Sharing
  members of Solidarity HealthShare.  All
  needs from 2020 have been completed.  If
  you are referring to Balance Bills you need to continue working with our AMPS
  Advocacy Team.  We do see that ALL your
  submitted needs have completed processing and Shared according to Fair and
  Reasonable Value of Service (FRVS).  It
  appears that you may be referring to Balance Bill (BB )Disputes? 
  
  As a
  part of our ministry, we work with our members' providers to encourage billing
  at fair and just prices through a reference-based pricing model and solve the
  healthcare industry-wide problem of overbilling.  Unfortunately, you have experienced this
  unjust practice in the healthcare industry. 
  Solidarity HealthShare and our Mission utilizes a reference-based
  pricing model “Fair For ALL Pricing” and this “Fair & Just Pricing” ensures
  Members are not overcharged & your provider is not underpaid. 
  
  Your
  former Membership does have five needs waiting on matching Sharing funds from
  fellow Sharing Members of the Ministry. 
  Please understand a Charitable Exemption has been made for your
  remaining needs since your Voluntary Withdrawal of Membership on 09/01/2022--Section
  VI. A. (p. 9) in the Sharing Guidelines reads: "Only Sharing Members with
  an active Membership will have their Eligible Medical Expenses Shared.”
  
  Please
  give us a call so we can walk you through the process and answer any questions
  and clear up any confusion you may have. We can be reached at ***** ********* 
  
  Sincerely,
  Solidarity
  HealthShare

  Business Response

  Date: 06/22/2023

  Solidarity
  always seeks to serve its members in a faithful Christian manner in a spirit of
  solidarity and subsidiarity. 
  
  Again,
  our Sharing Guidelines determine what medical expenses are shared among the
  Sharing members of Solidarity HealthShare and as already shared via these same
  guidelines and previous reply, since your Voluntary Withdrawal of Membership on
  09/01/2022--Section VI. A. (p. 9) in the Sharing Guidelines reads: "Only
  Sharing Members with an active Membership will have their Eligible Medical
  Expenses Shared.”
  
  The
  attached Sharing Guidelines, the back of your Member ID Card, and every
  Explanation of Sharing (EOS) that has been sent to you and your providers
  reads, “ATTENTION: This program is not an insurance company nor is it offered
  through an insurance company. 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 receive any payments for medical expenses and whether or
  not this program continues to operate, you are always liable for any unpaid
  bills.”
  
  You will
  need to remain patient with gratitude and in “good justice” for fellow Sharing
  Members and any Charitable Exemptions to our SHS Sharing Guidelines for
  remaining sharing that my happen since the date you gave notice of Voluntary
  Withdrawal of Membership last September. 
  
  Sincerely,
  
  Solidarity
  HealthShare

  Customer Answer

  Date: 06/23/2023

  Pleaee pay our bills from the time we were members that did not get paid in your advertised 120 days-or even close to that. Again we felt the prudent decision was not to stay with a company who refused to pay our bills when all paperwork, all requirements were properly submitted. It has now been closer to 500 days. The previous jeering response should be evaluated by a customer service manager.

• Initial Complaint

  Date:05/23/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have had Solidarity Healthshare since December 2019. I have submitted bills and my providers have also sent bills for payment for a few doctors visits since July 2022 and none of these bills have been paid. I’ve sent multiple emails and have had many phone conversations, all with similar responses- “we are very behind in payment”- “the bills are being processed “ - “the bills are in batch and will be shared”...To date I haven’t received explanation of benefits/sharing except for several denials for various reasons.
  December 1st I broke my foot, went to urgent care, got a a walking cast, the cast caused a blood clot, which was discovered via ultrasound, which then required a going to the ER. None of these providers have been paid, I haven’t been reimbursed for any of the bills I paid out of pocket after being threatened by providers that I would be sent to collections. My bills are now estimated at $8000, and I am so very worried how this will be resolved as we are on fixed income- social security, and I can’t work now because my foot hasn’t healed properly.
  I believed in the mission of this healthshare company, but now I’m afraid to keep paying my $312 monthly “share” if I won’t get reimbursed. I now am reading reviews and am shocked that many people have similar stories to mine, which makes it all worse, as I was hoping mine was an isolated incident. If so many people are having problems I fear that the company is unable to pay their bills and this isn’t just an accounting error.
  I felt by contacting the BBB, I would have a better chance of resolution. I am respectfully <> now with the BBB to please advise what can be done to resolve this. I appreciate your help, thank you so much.

  Business Response

  Date: 05/24/2023

  We appreciate hearing from our members and want to clarify how to make the most of your membership.  Solidarity always seeks to serve its members in a faithful Christian manner in a spirit of solidarity and subsidiarity. 
  
  We do see that ALL your submitted needs are completing processing and will be Shared according to Fair and Reasonable Value of Service (FRVS).  We are only waiting on Matching Sharing funds from fellow Sharing Members—SHS does not “pay bills” and we help facilitate Peer-to-Peer Sharing of eligible shared needs according to the Sharing Guidelines.  Every Member both initials and signs that they have received, read, and understand the SHS Sharing Guidelines and the Member Rights & Responsibilities of their Membership. 
  
  
  Our Sharing Guidelines determine what medical expenses are shared among the members of Solidarity HealthShare. Medical expenses that conflict with Catholic moral teachings is not shared, protecting the consciences of all members and this includes needs submitted incomplete or missing Pre-Notifications (PNT)’s and Clinicals or Accident Details when needed or Durable Medical Equipment (DME), etc.  Exodus 20:1-17, Gospel of John 14:15-21. 
  
  Thank you for your continued prayers and support! 
  
  There is a learning curve when switching from traditional insurance and healthcare sharing. If you need help understanding how Solidarity works or if you’d like a copy of our guidelines we are happy to walk you through either. We look forward to speaking with you soon.  Proactive Advocacy Video * **************************************
  
  ****************************************************************************************
  
  Sincerely,
  
  Solidarity HealthShare

  Customer Answer

  Date: 05/24/2023

  This response is almost identical to the previous reply, and it still does not answer my first and foremost question...when can I expect an Explanation Of Benefits/Sharing statement telling me exactly what providers will be paid, what amounts will be paid, and if my deductible is met, so that I can call my providers and let them know when they will be paid for their services. With this information I can ask my doctors to delay sending my unpaid bills to collections.

  You are providing a service to members that dutifully pay into the system with good faith on both parts...members pay their share amount and the company pays for accepted legitimate bills. I have paid my monthly share every month since December 2019, a timely payment of bills with an explanation of sharing is not an unreasonable request, rather, it is the service Solidarity promotes as their entire business model. 
  Romans 13: 7-10, Matthew 25: 27,        2 Samuel 7: 25, Numbers 30: 2

   

   

   

  Business Response

  Date: 06/04/2023

  We are committed to serving you and desire to
  facilitate the sharing your eligible medical bills.  As shared previously,
  unfortunately, we do not have exact timeframes for the availability of matching
  sharing funds from other Sharing Members. 
  Once completed, an Explanation of Sharing (EOS) will be provided.  SHS is not insurance and there are no EOB’s
  or deductibles or “benefits”.  Solidarity’s
  Members have supported each other by sharing tens of millions of dollars in
  health care expenses each year.
  
  In 2020, Solidarity began a transition to improve how Members’ monthly
  deposits, intended for sharing, are stored and administered with Members in
  need. Solidarity established separate bank accounts at a financial institution
  for each Member. By holding Member funds in separate individual bank accounts,
  we are helping to preserve the sharing power of our Members. This allows
  Members to clearly see how their sharing dollars are being used to support the
  healthcare needs of their fellow believers. 
  These matching sharing funds are batched in order received and we do not
  have specific dates available.
  
  All your needs are completing processing and most are in PAY
  status waiting on matching sharing funds at the Fair & Reasonable Value of
  Service.  You can always contact our
  Member Care teams to request a Bill Status and request what the individual repriced
  amounts are for your needs and your providers.
  
  Again, thank
  you for your continued prayers and support and understanding there is a
  learning curve when switching from traditional insurance and healthcare
  sharing. If you need help understanding how Solidarity works or if you’d like a
  copy of our guidelines we are happy to walk you through either. Please continue to work with our Member Care Teams so
  we can walk you through the process and share any updates and answer any
  questions you may have. We can be reached at (844) 313-4999.  
  
  Sincerely,
  
  Solidarity HealthShare

  Customer Answer

  Date: 06/05/2023

  *PLEASE NOTE... I tried to submit a screen shot of the doctor’s statement I received today but the BBB system states it is an unacceptable file. I’m sorry I don’t know how to covert this?  Perhaps I can email it to another address?

  
  I do not accept this reply because it is almost identical to previous replies and does not answer my question. Stating my bills are in process but they have no idea when they will be paid is unacceptable - is this what I should tell my provider who just sent me a final notification and threats for credit default for not paying them? The providers obviously are not accepting your lengthy wait time. My first bill submission was in December - I have not received one Explanation of Sharing for this incident. Do you feel that six months is a proper timeframe to have bills repaid? Obviously the providers don’t agree with you, or else they wouldn’t be sending me the threatening notices. I am extraordinarily worried about all of this. Will I have to borrow money in order to pay these bills?

  I am a devout, faithful, practicing, Catholic. I specifically wanted to be a part of Solidarity because your values align with mine.  But in all your advertisements the claim is that bills will be paid properly. Mine are not being paid in a timely manner. Why not?   Thank you.