[bgill]

THESE MINISTRIES ARE NOT INSURANCE. With that in mind, know that they are NOT obligated to pay any of your claimed medical bills, either in part, or in whole. Count your contribution as a donation, not as a premium.

Then what's the point of them?

[Alberta's Child]

They are a charitable organization. If something happens and they run out of money, then you're out of luck.

I've never heard of this happening with any of them, but they warn you about it just so their members know the deal.

[fwdude]

Then what's the point of them?

The point is sharing through a Christian worldview. Although they make that disclaimer, the point is that they are not OBLIGATED to pay, although they almost always do. If there is even the slightest HINT that these ministries constitute the equivalent of "insurance coverage," they will fall under the onerous yoke of massive bureaucracy, as insurance companies can attest to.