America’s RED is our most comprehensive program and offers the best value for Members who want access to the widest range of care options without compromising their values or conscience.
Questions? We can help!
If you have any questions regarding the healthcare sharing ministry, you can contact the Member Care Team or (580) AMERI-HS.
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.
For the full America's HealthShare Sharing Guidelines, please see the Sharing Guidelines page.
Effective Date: November 1, 2025
Healthcare Services for which Medical Expenses are Eligible for Sharing.
Eligible Medical Expenses related to the following Medically Necessary Healthcare Services provided under the direction of a Provider are Eligible for Sharing subject to the terms and limitations of these Guidelines.
Alternative and/or Integrative Treatments Alternative and/or Integrative Treatments are eligible for Sharing if such treatment meets the following criteria:
It is prescribed by a Physician;
It is prescribed for a medically diagnosed condition;
It is deemed safe;
It has peer reviewed evidence to support the treatment of the diagnosed condition; and
It is presented for prior approval to America', if required by Section VI.F
Ambulance Service. Emergency land or air ambulance transportation to the nearest medical facility capable of providing the Medically Necessary care to avoid seriously jeopardizing the Sharing Member's life or health. However, the additional expense for transportation to a facility that is not the nearest facility capable of providing Medically Necessary care is not eligible for Sharing.
America's Care Card. A discount program, offered by Careington International Corporation, that is available to Members. The America's Care Card provides access to Telehealth and discounts on Eye care and Dental Care. The America's Care Card is not an insurance program. Melita is not affiliated with Careington International Corporation. Information on the America's Care Card is available at americascarecard.com.
Braces. New and replacement braces of the leg, arm, back, or neck. Replacement braces are eligible for Sharing if there is sufficient change in the Sharing Member's physical condition to make the current device no longer functional.
Cosmetic Procedures. Cosmetic care and treatment provided for disfiguration caused by amputation, disease (including acne), accident, breast reconstruction following a mastectomy, or cranial protheses (wigs) for hair loss due to radiation or chemotherapy are eligible for Sharing. All other elective cosmetic treatment, including, but not limited to, pharmacological regimens; nutritional procedures or treatments; plastic surgery; salabrasion, chemosurgery, and other such skin abrasion procedures associated with the removal or revision of scars, tattoos, or actinic changes are not eligible for Sharing.
Direct Primary Care (DPC). Direct Primary Care monthly fees are eligible for Sharing up to $375 per year for a single membership, $750 per year for a couple membership, and $1250 per year for a family membership.
Eating Disorder. Treatments for eating disorders are eligible for Sharing under the Mental Health Services.
Emergency Room Visits. Emergency room services for stabilization or initiation of treatment for a medical emergency or condition provided on an Outpatient basis at a Hospital, Clinic, or Urgent Care Facility, including when Hospital admission occurs within twenty-three (23) hours of emergency room treatment. Healthcare Services at an emergency room are not eligible for Sharing if the Healthcare Services are not judged to be an emergency by normal standards of medical care and when less costly treatment was available by taking reasonable measures to seek such care.
Fertility. Expenses for fertility treatments relating to the restoration or healing of the reproductive system in order to support procreation in the marital act.
Home Healthcare. Skilled care services at home by a Home Healthcare agency for each related Incident provided such home care reduces the expected medical expense and replaces Hospital or nursing home services.
Hospice Care. Hospice Care to include respite and/or comfort care is eligible for sharing but requires a Pre-Notification and is required to be renewed every 30 days as needed.
Hospital Charges. Inpatient or Outpatient Hospital treatment or surgery for a medically diagnosed condition.
Hysterectomy. Expenses related to a Hysterectomy if it is Medically Necessary. The Sharing Member must submit a Pre-Notification to America's HealthShare prior to surgery, as stated in Section VI.F, unless it is a medical emergency.
Loss of Life Assistance. If a Sharing Member under the age of sixty-five (65), die(s) after two (2) years of continuous monthly membership, financial assistance to the surviving family for loss of life expenses, including but not limited to funeral/burial expenses, will be provided by the Sharing Members according to the following scale.
Primary applicant: Ten thousand dollars ($10,000).
Dependent Spouse: Five thousand dollars ($5,000).
Dependent Child: Three thousand dollars ($3,000).
All Members must file with America's HealthShare, at the time of enrollment, a directive in the form provided by America's HealthShare identifying the recipient of any such loss of life assistance. If no directive is on file with America's HealthShare, the financial assistance shall be paid to the Member's estate, or pursuant to an order of the applicable Court with probate jurisdiction.
A minor child (under the age of 18) enrolled by a parent or guardian and whose enrollment application is signed on behalf of such child by a parent or guardian, will be assisted at the same amount as a Dependent Child. Members who are sixty-five (65) years of age or older may choose to participate in the loss of life assistance at an additional fee on his/her suggested Monthly Contribution.
Maternity. Medical expenses for Maternity, including, but not limited to, charges and expenses arising from Physician care, Hospital or birthing center admissions, attendance by midwives, or home deliveries accompanied by a midwife or Physician.
Medical Costs Incurred Outside the United States. Charges for the care and treatment of a medically diagnosed condition when treatment outside the United States is financially beneficial or when traveling or temporarily residing outside the United States. Eligibility of such expenses are subject to all other provisions of the Guidelines. Medical billing is required to be submitted in English and US dollars.
Mental Health Services. Expenses for counseling, drug and alcohol counseling, treatment, medication, and emergency hospitalizations are eligible for Sharing.
Natural Family Planning/Fertility Awareness-Based Methods. Expenses for individual instruction and the initial supplies on approved fertility awareness-based methods, also known as Natural Family Planning. Such approved methods include, but are not limited to, Creighton, Couple to Couple League, Billings, Family of the Americas, SymptoPro, and Marquette.
Naturopathic Care. Expenses for naturopathic care.
Nutritional Counseling: Nutritional counseling is eligible for sharing with America Well when diagnosed with a condition where nutritional counseling is medically indicated.
Organ Transplant. Morally permissible organ transplants and expenses incurred in evaluation, screening, transportation of the organ, the candidacy determination process, organ transplantation, organ procurement, follow-up care, immuno-suppressant therapy, and re-transplantation. Expenses related to the donation of an organ are eligible for Sharing if the organ is for a Sharing Member.
Physical Manipulation (Chiropractic) or Physiotherapy. Up to twelve (12) visits per Program Year for treatment of musculoskeletal disease or injury prescribed by a Physician.
Physical Therapy. Up to twenty (20) visits per Program Year for physical therapy by a licensed physical therapist in accord with a Physician's order to improve body function.
Prescription Drugs and Supplements.
Prescription drugs are eligible for Sharing through Drexi Pharmacy Sharing for retail prescription drugs based on the current formulary and co-share schedule. Drexi Pharmacy Sharing is a program offered by Advanced Medical Pricing Solution Services (AMPS). It provides Member access to certain retail prescription drugs on a co-sharing amount, meaning Member may have to pay part of the cost of the prescription drugs and the remainder will be submitted for Sharing among the Members. Drexi Pharmacy Sharing is not an insurance program and Melita in not affiliated with AMPS. Certain prescription drugs may be subject to prior approval of America's HealthShare or its designee in order to be Eligible for Sharing. A request for prior approval will be handled by and the decision of America's HealthShare will be communicated to the Drexi participating pharmacy when a Member submits a prescription.
Supplements, including, but not limited to, phytotherapeutics, vitamins, and herbs are eligible for Sharing ninety (90) days after the onset of each related Incident.
Prosthetics. Prosthetics and their replacement, if Medically Necessary.
Restorative Reproductive Medicine (RRM). Expenses for Restorative Reproductive Medicine, which includes evaluation, treatment, therapies, surgeries, education and supplies.
Sterilization Reversal. Reversal of a tubal ligation or vasectomy limited to one reversal attempt only for the sole purpose of restoring the procreative end of the conjugal act.
Telehealth. Healthcare Services provided through digital communication technologies to deliver healthcare services remotely.
Healthcare Services from DialCare Telemedicine through the America's Care Card are eligible for Sharing. DialCare Telemedicine means a Telehealth service offered by Careington International Corporation. Melita is not affiliated with Careington International Corporation. Information on DialCare Telemedicine is available at americascarecard.com."
Telehealth from Providers who have provided Healthcare Services to the Member are eligible for Sharing.
Therapies. Other therapies such as occupational, respiratory, cardiac rehabilitation, biofeedback and speech therapy by a licensed therapist in accord with a Physician's order to improve function are eligible up to twenty (20) visits per Program Year.
Wellness Visits. Charges for one (1) wellness exam or physical per Program Year are eligible for Sharing, before applying the Annual Unshared Amount, and include but not limited to screening labs (CBC, CMP, lipids, hemoglobin A1c, vitamin D and CRP). Sharing Members in the first two (2) years of life have seven (7) well-child visits for the first year and three (3) well-child visits for the second year eligible for Sharing. Other screening services including pap smears/HPV testing, screening colonoscopies, Prostate-Specific Antigen (PSA), DEXA scans, and breast imaging (screening mammogram/thermography) may be eligible for sharing following the America's HealthShare wellness policy.
Additional Services available to add with the America's HealthShare RED Program Membership
Senior Discount is available. This means a discount applied to the Monthly Contribution that is available to Members who are enrolled in Medicare Parts A & B.
Healthcare Services for which Medical Expenses are Not Eligible for Sharing
Medical expenses arising from any one of the following are NOT eligible for Sharing among Members:
Abortion. Services, supplies, care, or treatment related to an abortion directly intending the termination of a pregnancy before viability or directly intending the destruction of a viable fetus.
Alcohol/Drug Addiction. Services, supplies, care, or procedures for an injury and/or disease and/or bodily malfunction resulting from a Sharing Member's abuse and/or use of alcohol or drugs/pharmaceuticals, including drug and/or alcohol Rehabilitation Treatment.
Artificial Insemination and In vitro Fertilization and Embryo Adoption. Services, supplies, care or treatment related to or arising from, artificial insemination, in vitro fertilization or embryo adoption. Healthcare Services received for pregnancy or treating complications are eligible for Sharing.
Breast Implants. The placement, replacement, or removal of breast enhancement devices and complications related to breast implants unless related to a Medically Necessary mastectomy.
Contraceptives. Services or counseling on contraceptive interventions which render the marital (or non-marital) act infertile or intervene to prevent conception or implantation after a completed reproductive act.
Complications from Non-Eligible Treatments. Care, services, or treatment required as a result of complications from a Healthcare Services that is not eligible for Sharing.
Custodial Care. Services or supplies provided mainly as a rest, maintenance, custodial care, or other care that does not treat an illness or injury.
Dental Care. Services in connection with the care, prostheses, treatment, filling, removal, or replacement of teeth or structures directly supporting teeth. Care or treatment involving the teeth that are an integral part of an Incident that is an Eligible Medical Expense is eligible for Sharing. Please see America's Care Card for discounts on dental care.
Durable Medical Equipment. The purchase, rental, or replacement of durable or reusable equipment or devices, including but not limited to orthotics, hearing aids, tubing, masks, and their associated expenses.
Emergency Room Charges Incurred for Non-Emergency Treatment. When treatment at an emergency room is not judged to be an emergency by normal standards of medical care and when less costly treatment was available by taking reasonable measures to seek such care.
Errors by Providers. Charges for Healthcare Services that are the result of errors in medical care that are clearly identifiable, preventable, and serious in their consequence for patients. A finding of Provider negligence and/or malpractice is not required for services or fees to be considered ineligible for Sharing.
Exercise Programs. Exercise programs for treatment of any condition, except for Physician-supervised cardiac rehabilitation and/or physical therapy.
Experimental, Investigational, or Unproven Services. Care or treatment that is either experimental, investigational, or unproven by the American Medical Association, U.S. Food and Drug Administration, or other industry-recognized authoritative bodies, or that is illegal by U.S. law. Eligibility for Sharing of such expenses may be reviewed on a case-by-case basis.
Eye Care. Eye exercise therapy, radial keratotomy, or other eye surgery to correct near-sightedness. Also, routine eye examinations, including refractions, lenses for the eyes, and exams for their fitting. This exclusion does not apply to the initial permanent lenses prescribed following cataract removal. Please see America's Care Card for discounts on recurring eye care.
Gross Negligent Acts. Expenses resulting from an illness or injury caused by the Sharing Member's gross negligence or reckless disregard to safety, as evidenced by medical records and as determined by America's HealthShare.
Hair Loss. Care and treatment for hair loss, hair transplants, or any drug that promises hair growth.
Hazardous Hobbies. Care and treatment of an injury or illness that results from engaging in a hazardous hobby. A hobby is hazardous if it is an unusual activity which is characterized by a constant threat of danger or risk of bodily harm. Examples of hazardous hobbies include, but are not limited to rock/cliff climbing, spelunking, skydiving, or bungee jumping.
Hearing Aids and Exams. Services or supplies in connection with routine hearing exams, hearing aids, or exams for their fitting. Newborn hearing screenings are eligible for sharing.
Healthcare Services from Family Members. Healthcare Services prescribed, ordered or referred by or received from a Member of the Member's immediate family, including the Member's spouse, child, brother, sister, parent, in-law, or the Member him/herself.
Illegal Acts. Services received as a result of an injury caused by engaging in an illegal act or occupation by committing or attempting to commit any crime, criminal act, assault, or other felonious behavior, including, but not limited to, illegal drug activity, crimes against persons, crimes against property, and gun offenses.
Impotence. Surgical and non-surgical services for the treatment of impotence.
Non-Emergency Transportation. Transportation by ambulance for conditions that will not seriously jeopardize the Sharing Member's health or life. Also, the additional expense for transportation to a facility that is not the nearest facility capable of providing Medically Necessary care.
No Obligation to Pay. Services for which the Sharing Member has no legal obligation to pay.
Non-Medically Necessary Service. Care and treatment that does not meet the criteria of a Medically Necessary Healthcare Service or is not specified as a Medically Necessary Healthcare Service, or care, treatment, services, or supplies not recommended or approved by a Provider. America's HealthShare reserves the right to review billing submitted by Providers for payment and, upon review by a qualified Professional, decline to Share expenses deemed to be Non-Medically Necessary Healthcare Services.
Outpatient Prescribed/Non-Prescribed Medical Supplies/Personal Comfort Items. Outpatient prescribed/non-prescribed medical supplies or equipment and personal comfort items are not eligible for Sharing, including, but not limited to, ace bandages, air conditioners, air-purification units, blood pressure instruments, diabetic test strips, elastic bandages, elastic stockings, electric heating units, first-aid supplies, gauze, humidifiers, insulin infusion non-hospital adjustable beds, orthopedic mattresses, ostomy supplies, over-the-counter drugs and treatments, pumps, scales, syringes, tubing, and masks.
Professional Racing or Competitive Events. Charges for treatment of injuries or illness while racing or competing as a professional. Professional racing means that such activity is one's primary occupation and means of financial support. Professional racing and competitive events include, but are not limited to, automobile, motorcycle, watercraft, ski, or rodeo races or competitions.
Relative Giving Services. Professional services performed by a person who ordinarily resides in the Sharing Member's home or is related to the Sharing Member as a spouse, parent, child, brother, or sister, whether the relationship is by blood or exists in law.
Self-Inflicted. An intentionally self-inflicted injury or illness.
Sex Change. Care, services, or treatment for non-congenital transsexualism, gender dysphoria, or sexual reassignment or change. This includes medications, implants, hormone therapy, surgery, or medical or psychiatric treatment.
Sports-Related Safety/Performance Devices and Programs. Devices used specifically as safety items or to affect performance primarily in sports-related activities. All membership, registration, or participation costs related to physical conditioning programs, such as athletic training, bodybuilding, exercise, fitness flexibility, and diversion or general motivation.
Sterilization. Direct surgical sterilization, including vasectomy and tubal ligation.
Surrogacy. Surrogacy, including routine expenses related to pregnancy and to childbirth, whether the Sharing Member is the surrogate, or the Sharing Member has retained the services of a surrogate. Healthcare Services received to treat complications related to the pregnancy are eligible for Sharing.
Travel or Accommodations. Charges for travel or accommodations, whether or not recommended by a Physician.
Vaccines. Services for administration of vaccinations and charges for vaccinations and immunizations used to prevent disease are not eligible for sharing. However, Healthcare Services received to treat complications from vaccinations are eligible for Sharing.
War. Any Healthcare Services due to a declared or undeclared act of war.