November 6, 2023

MCS Victim Information Page

Craig Reynolds and James McGinnis founded and ran Medical Cost Sharing (MCS) as a non-profit health care sharing ministry, based in St. Joseph, Missouri.

MCS promised its members that if they paid monthly "contributions," MCS would pay its members' medical claims. From 2015-2022, MCS collected over $8 million in dues but paid just 3.1% of medical claims. Instead, Reynolds and McGinnis took most of the dues as income for themselves.

Update as of May 22, 2024: 

The sentencing hearing for defendant(s), Craig Anthony Reynolds, has been set for June 26, 2024, 02:00 PM at Charles Evans Whittaker Courthouse, 400 E. 9th Street, Courtroom 8D, Kansas City, MO, before Judge Greg Kays. You are welcome to attend this proceeding; however, unless you have received a subpoena, your attendance is not required by the Court. If you plan on attending, you may want to verify the date and time by using the VNS Call Center or website. If you are a victim of the charged offense(s) and wish to speak at sentencing, please call our office well in advance of the scheduled hearing date.

A U.S. Probation Officer prepares a report for the Court and may contact you to discuss the impact the crime had on you financially, physically, and/or emotionally. If you are contacted, please make every effort to provide accurate and detailed information.

Because of the Court's schedule, hearing dates could change on very short notice. If you plan on attending, you may want to call the VNS Call Center or check the website to confirm the date and time. Please note, there is a 24-hour delay in information transfer to the website.

Explanation of Losses Subject to Restitution

In accordance with federal law, you may be entitled to an order of restitution for certain losses suffered as a result of the commission of the offense(s) for which the defendant was convicted. The types of losses for which the statute provides restitution are explained below. You have the right to explain these losses in detail in the enclosed Declaration of Victim Losses.

In the case of an offense resulting in damage to or loss or destruction of property of a victim of the offense, the Court may order: The return of the property to the owner of the property or someone designated by the owner; or, if return of the property is impossible, impractical, or inadequate, the Court may order payment of an amount equal to the greater of the value of the property on the date of the damage, loss, or destruction, or the value of the property on the date of sentencing, less the value (as of the date the property is returned) of any part of the property that is returned.

In the case of an offense resulting in bodily injury to a victim, the Court may order: Payment of an amount equal to the cost of necessary medical and related professional services and devices related to physical, psychiatric, and psychological care, including non-medical care and treatment rendered in accordance with a method of healing recognized by the law of the place of treatment; payment of an amount equal to the cost of necessary physical and occupational therapy and rehabilitation; and reimbursement to the victim for income lost by such victim as a result of such offense.

In the case of an offense resulting in bodily injury that also results in the death of a victim, the Court may order payment of an amount equal to the cost of necessary funeral and related services. In a case involving a conviction of 18 U.S.C. §§ 2248 (sexual abuse of a minor), 2259 (sexual exploitation of children), or 2264 (domestic violence), the Court may order restitution for any losses suffered by a victim, including, in addition to those listed above, costs for medical services relating to physical, psychological care, physical and occupational therapy or rehabilitation; necessary transportation, temporary housing, child care expenses, lost income, attorney's fees, as well as other costs incurred, and any other losses suffered by a victim from the offense.

In any case, the Court may order reimbursement to the victim for lost income and necessary child care, transportation, and other expenses related to participation in the investigation or prosecution of the offense or attendance at proceedings related to the offense. In any case, if the victim (or if the victim is deceased, the victim's estate) consents, the Court may order the defendant to make restitution in services in lieu of money, or make restitution to a person or organization as designated by the victim or the victim's estate.

In addition, the victim may at any time assign the victim's interest in restitution payments to the Crime Victims Fund in the Treasury without in any way impairing the obligation of the defendant to make such payments. If the victim has received compensation from insurance or any other source with respect to a loss, the Court shall order that restitution be paid to the person who provided or is obligated to provide the compensation; but the restitution order shall provide that all restitution of victims required by the order be paid to the victims before any restitution is paid to such a provider of compensation. (18 U.S.C. section 3664)