Caring and Sharing membership is not issued by an insurance company, nor is it offered through an insurance company. Membership does not guarantee or promise that your eligible medical needs will be shared by the membership. Membership should never be considered as a substitute for an insurance policy. If the membership is unable to share in all or part of your eligible medical needs, or whether or not this membership continues to operate, you will remain financially liable for any and all unpaid medical needs. Please visit our website at caringandsharing.org/Legal to view notices specific to your state, if any.