AMCA Policy Manual

2026

Application for Coverage

If you would like to apply for coverage, download and complete the AMCA application.

Application & Download

Vision Statement

That the body of Christ among Conservative Anabaptists would be known for its unity, sacrificial care, and faithful service to one another.

Mission Statement

Partnering with Conservative Anabaptist congregations to share medical burdens, strengthen brotherhood, and steward resources.

Core Values

Community

We reflect Christ's body through sacrificial love, mutual trust, interdependence, and partnership with the care provided by the local church and its leadership.

Stewardship

We manage resources with wisdom, seek cost-effective care, avoid waste, and honor the generosity of the brotherhood.

Transparency

We walk in openness and accountability, submitting to church counsel and practicing fairness in administration and member participation.

I. Membership Eligibility

A. Members must be part of a congregation participating in AMCA and adhering to the 1963 Mennonite Confession of Faith. Churches may join by invitation of the AMCA Board.

B. Proving members of eligible congregations, with ministerial recommendation, may also participate.

C. Members who discontinue attending eligible congregations may lose eligibility; notification will be provided before termination.

D. Members transferring to non-eligible congregations are no longer eligible.

E. Individuals who do not become church members by age 18 are not eligible.

II. Member Responsibilities

Members are expected to approach medical care with stewardship and discernment. This includes seeking cost-effective options, comparing providers when appropriate, considering second opinions, and asking about discounts for prompt self-payment. Members should contact their local representative before any planned hospital visit—or as soon as possible after an emergency—to learn about available discount programs.

Before using a hospital or clinic unfamiliar to our member communities—especially those out of state or country—members must:

  • Seek counsel from their local pastoral team
  • Obtain approval from the AMCA Board
  • Request references from others who have used the provider

This protects the stewardship of shared funds and ensures alignment with Christian convictions.

  1. Members unable to make a scheduled assessment must contact the treasurer to arrange a plan.
  2. If an assessment becomes 60 days overdue, the local representative will be contacted. If unresolved, the congregation's deacon may be contacted for counsel and support. Continued non-payment without communication may result in discontinued participation.

III. Billing and Assessments

Assessment notices are sent one month before each quarter. Assessments are due at the beginning of the new quarter and represent the regular participation of each household in the mutual care of the community.

Each assessment unit is currently $375 per quarter. This amount is reviewed annually by the board and may be adjusted as needs arise. Members will receive 90 days' notice prior to any increase.

Assessment units:

  • Single adult (18+): 1 unit
  • Married couple with children: 2 units
  • Widowed parent with children: 1 unit

Household Application of Deductibles and Maximums:

For assessment purposes, a family is considered two units, and cost-sharing applies per unit, not per household.

Each participating adult unit carries its own:

  • $2,000 annual deductible, and
  • $17,000 maximum annual member responsibility, based on the 80/20 sharing model up to $75,000 in eligible medical bills.

If two different family members experience separate medical incidents within the same deductible year, each incident is subject to its own deductible and cost-sharing limits.

As a result, in rare cases involving significant medical needs for two family members in the same year, the total household responsibility may reach up to $34,000.

If only one spouse is a participating member, medical needs for their children will be shared at 50% of the normal rate.

Assessment rates are set with careful consideration to ensure fairness and meet shared needs. Members are encouraged to view their assessments as a way of bearing one another's burdens in Christian community.

Members and supporters may contribute voluntary donations beyond their assessments. These donations:

  • Help meet extraordinary needs
  • Support stability of the sharing community
  • Promote generosity and mutual care

Members exempt from Social Security are encouraged to prayerfully consider making a yearly voluntary donation, as they rely more fully on the care of the church body.

IV. Submitting Claims

AMCA partners with Anabaptist Brotherhood to receive, review, negotiate, and process medical bills on behalf of our members. To ensure a smooth experience with medical providers and proper handling of all medical expenses, members must follow the steps below.

Step 1: Present Your Member ID Card

Present your Member ID Card at every visit. It contains:

  • Your Household Member ID
  • Brotherhood billing information
  • A message explaining the medical sharing plan
  • Electronic address (ANB25) for direct submission

If electronic submission is unavailable, bills may be mailed to the P.O. Box listed on the card.

Step 2: Ask the Provider to Call Brotherhood

If the provider is hesitant, have them call the phone number on the card. Brotherhood will reassure them of the legitimacy and explain the plan.

Step 3: Ask Them to Send the Bill to You

If a provider will not bill Brotherhood directly:

Do not pay the bill yourself.

Instead, request they mail the bill to you.

Brotherhood will:

  • Review and price the bill
  • Pay a fair and reasonable amount
  • Invoice you for your deductible or member responsibility, if applicable

Step 4: Pay Only When Appropriate

You may pay upfront only if:

  1. The amount is $1,000 or less, and
  2. The price appears fair and reasonable

If you pay:

  • Obtain a paid receipt
  • Send it to Brotherhood for reimbursement (if eligible)

When a medical provider insists on giving the bill directly to a Member, Members must promptly send all bills, statements, and receipts to Anabaptist Brotherhood to ensure timely review and payment. Do not under any condition pay the bill yourself.

V. Coverage

A. General Coverage & Terms

Cost Sharing Model (80/20 with $2,000 deductible & $17,000 annual max)

AMCA follows an 80/20 sharing model with a $2,000 annual deductible per member.

After the deductible is met:

  • Members share 20%
  • AMCA shares 80%

This continues until total eligible medical bills reach $75,000 in that deductible year.

At $75,000 in total bills, the member's total cost is:

  • $2,000 deductible
  • $15,000 (20% of $75,000)
  • = $17,000 maximum annual member responsibility

After $75,000 in eligible bills, AMCA shares 100% of all additional eligible expenses for the rest of the deductible year.

Deductible Year: Begins when AMCA receives the first bill for that member.

Medicare A & B: Members enrolled in both do not pay a deductible.

  • Adoption – Up to $5,000.
  • Ambulance or transportation services – Eligible for sharing; members are encouraged to purchase local memberships where available.
  • Blood work – Eligible when ordered by a licensed Medical Doctor.
  • Dental surgery – Covered when anesthesia is used.
  • Diabetes care – Shareable with board discretion.
  • Emergency room & advanced life support – Shareable.
  • Hospital care & inpatient services – Includes surgery and in-hospital pharmacy.
  • Kidney dialysis – Shareable with prior approval and review.
  • Maternity
    • Eligibility: No sharing until 6 months after joining.
    • Sharing: Prenatal care, delivery, and complications shared at 80/20 after deductible.
    • Deductible Waiver: If total eligible maternity charges are less than $5,000, the $2,000 deductible is waived and sharing begins immediately at 80/20.
    • Exclusions: Fertility treatments not shared.
  • Mental illness treatment – Shareable when medically indicated.
  • Mexico cancer care – Up to $25,000 per case per year.
  • Outpatient surgery, labs, x-rays, therapies – Licensure required.
  • Physical therapy – Up to 12 visits per case.
  • Pre-existing conditions – Case-by-case approval.
  • Preventative cancer screenings – Colonoscopy, mammogram, prostate exam.
  • Prosthetics & devices – Including prosthetic limbs and cochlear implants; case-by-case approval.
  • Reconstructive surgeries – Case-by-case approval.
  • Rehabilitation – Up to one year.
  • Alternative or experimental treatments
  • Expenses covered by other insurance/worker's comp
  • Family doctor or routine dental visits
  • Fertility treatments
  • Long-term hospice and nursing home care
  • Prescriptions/pharmacy (except in-hospital & oral chemo)

VI. Vehicle Accident Bodily Injury

  1. If no liability coverage: $5,000 deductible per person per accident, then 80% sharing; max deductible $30,000.
  2. If insurance limits are exceeded: 80% of uncovered expenses with no deductible.
  3. Motorcycle/scooter injuries requiring a license are not shared.

VII. Changes and Amendments

This policy may be updated by the AMCA Board. All proposed changes must be reviewed and approved by the deacons at Pequea, Mine Road, and Weavertown before taking effect. Proposed changes will be shared with the membership at least 90 days in advance.