Samaritan Ministries

Section I	Table of Contents	Section III
II. Need Sharing A. Only needs eligible for publication in CHCN will be qualified to be published in Save to Share™. The only CHCN publishable needs that would not qualify for publication in Save to Share™ are needs resulting from: 1. A heart condition, a cancer or diabetes that existed prior to joining Save to Share™; or 2. Any other condition that developed while a person was a member of SMI, but before they enrolled (or re-enrolled) in Save to Share™, and a twelve-month period without symptoms, treatment, or medication had not elapsed. This twelve month waiting period also applies to a condition which developed while a person was enrolled in Save to Share™, and the person later dropped out of Save to Share™ and then re-enrolls. NOTE: Members of SMI who joined Save to Share™ prior to January 1, 2004 are able to have published needs from conditions that existed prior to their Save to Share™ participation but first occurred after they became SMI members. B. Save to Share™ needs will only be published and sent to participants when there is a qualified need to share. New SMI members who join Save to Share™ at the same time as they join CHCN will not be asked to share in Save to Share™ needs until they begin sharing with regular needs. C. When a CHCN member who participates in Save to Share™ has a publishable need that is more than $100,000, the amount of that need that exceeds $100,000 will be eligible for publication to other Save to Share™ participants. It will only be the amount of the need over $100,000 that is published even though the CHCN Guidelines may not have published all of the first $100,000 of the need due to pro-ration or a special limit. See sections VIII.A.7 and IX. Large needs frequently are the result of the reality that most health care providers charge patients without insurance substantially more than insured patients. Therefore, Save to Share™ needs are not published until satisfactory negotiations with providers D. In order to have a Save to Share™ need published, a Save to Share™ participant must have the appropriate amount on deposit in his Save to Share™ account, must have given to all Save to Share™ needs that have been assigned to him, must be current in sharing with all CHCN needs assigned to him, and must be a member of SMI in good standing, current with all annual fees. E. Needs that qualify for publication will be divided among participating households in proportion to the amounts set aside by Save to Share™ participants by year. Example: If a Save to Share™ participant has a publishable need of $200,000 after negotiations, the first $100,000 would be published in CHCN according to those Guidelines (including implementation of the pro-rata provision if necessary). The remaining $100,000 would be published in Save to Share™.If the total amount set aside by participants for the current year is $500,000, then each household would be asked to share 20% ($100,000/500,000) of their current year set aside amount balance. So a couple which had not yet shared for the current year would be asked to share $200 x 20% = $40.00. F. If the amount qualifying for publication in Save to Share™ exceeds half of the funds for the current year held on deposit by the participants, only half of these funds will be assigned for sharing. Funds held on deposit from the previous years would then be assigned to the remaining unmet portion of the need, up to half of these funds. Example: After the example in II.E., there is another need amounting to $300,000 (after the first $100,000 was published under the CHCN Guidelines). There is $400,000 available in the current year set aside amount after publishing the need in the II.E. example. Only $200,000 of the 300,000 need will be allocated to the current year to stay within the half limitation mentioned above (200,000/400,000 = 50%). So the married couple that now has remaining $160 set aside for the current year ($200 – 40 to the II.E. example need), will be asked to share 50% of the balance, i.e. $80 with the second need. If the previous years’ set aside balance is $300,000, then those Save to Share™ members with previous years’ set aside amounts will be asked to share 1/3 of that balance (100,000/300,000) with the second Save to Share™ need to help with the remaining $100,000. If at any time there are multiple Save to Share™ needs in process, and the order in which they are published could affect the maximum amount published for a particular need, then the need given priority for calculating the publishable amount will be the need for which the properly completed form (and all required documentation) first arrived. G. The minimum amount that households will be asked to share for a need is singles - $1.00, couples/single parent families - $2.00 and families - $3.00. To the extent the amount shared exceeds the need, the member in need will be expected to contribute the excess toward the cost of professionals hired to negotiate reductions in medical bills and may retain amounts that are due to bill reductions from his own negotiation. H. Giving to Save to Share™ needs is done through the monthly newsletter mailing. The publishable amount of the Save to Share™ need is determined and then divided proportionally among all Save to Share™ member households according to their level of membership (i.e. single, couple, family). The correct Save to Share™ amount is then added to the regular share amount for each of these Save to Share™ households. The Save to Share™ gifts are added to the total amount of share money available, and then enough of this larger amount is assigned to selected Save to Share™ members to be given to the Save to Share™ need(s). The other Save to Share™ members are directed to send their entire amounts (including the Save to Share™ amount) to regular needs. In this way the members with Save to Share™ needs receive the amount they should receive, but instead of being inundated with a large number of small gifts coming from every Save to Share™ member, they receive a more manageable number of larger gifts. New SMI members who join Save to Share™ will not be assigned to give to a Save to Share™ need during their first three months of SMI membership because those month's shares are sent to the office for administrative expenses.
Section I	Table of Contents	Section III

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