Disclaimer: CareXchange is not an insurance company nor is it offered through an insurance company, rather a Life Wellness Collective functioning as a "discipleship first" Health Care Sharing Ministry, a Benevolence Access Organization. The principal foundation CareXchange is based on religious beliefs and mutual support among participants and is not regulated by state insurance departments nor does it participate in federal or state insurance guarantee funds. Additionally, its participants are not exempt from state or federal insurance individual mandates. CareXchange 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 any insurance policy. Whether you receive any payments for medical expenses and whether CareXchange continues to operate, you are always liable for any unpaid bills.