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Christian Healthcare Ministries (CHM), is the longest-serving and most popular health share ministry in the United States. Christian Healthcare Ministries has supported the needs of their members since 1981, with over $6 billion in medical bills shared as of 2021. Their mission statement is to glorify God, show Christian love, and experience God’s presence as Christians share each other’s medical bills.
Christian Healthcare Ministries is a Better Business Bureau Accredited Charity and has been featured on The Ramsey Show.CHM offers international sharing, maternity sharing for the top plan, and also an optional add-on feature, Brother’s Keeper, for increased sharing for illnesses. Additionally, CHM claims only 1% of members’ monthly contribution amounts are used for administrative costs.
You should know that to be a CHM member, you must be a member of a Christian denomination who worships as regularly as health permits. You must also use moderation with alcohol and completely avoid illegal drugs, nicotine, tobacco, smoking devices, and sexual immorality. As the original Christian health share, these requirements are to be expected.
Eligible bills are shareable after a member has paid their Personal Responsibility amount for the year. Members submit their bills and a few forms to CHM, then wait for reimbursement.
CHM stresses that you will be handling your healthcare, though they do have departments to help you work with providers and are always eager to help with any questions you may have. Some ministries deal with providers directly so members don’t stress about the bills, but this doesn’t seem to be one of them. That isn’t necessarily a bad thing: enough medical providers resist working directly with health care sharing ministries that reimbursement may actually be more simple. Just be aware that CHM’s focus on reimbursement and responsible payment of medical bills is in the membership guidelines. Members must pay their providers within 30 days of receiving their reimbursement.
Pricing for membership with Christian Healthcare Ministries is determined by the program and number of people taking part in the same membership (membership units).
One individual member is one unit; a husband and wife, adult and their dependent children, or two or more children without a parent are two units; a husband, wife, and dependent children are three units.
There are three participation levels: Gold, Silver, and Bronze:
The Gold program is their most extensive, and costs $235 per unit, per month. The annual, per unit personal responsibility amount is $1,000, with an additional $1,500 personal responsibility per pregnancy. The sharing limit for each condition is $125,000. The Gold program removes the $125,000 per condition cap when you add Brother’s Keeper.
The Silver program has a personal responsibility amount of $2,500 (maternity not included), and costs $135 per unit, per month.The Silver program has a $125,000 sharing limit per condition. However, this limit can be extended up to $1 million over time through Brother’s Keeper.
The Bronze program is the least expensive at just $90 per unit, per month, with an annual personal responsibility of $5,000 (maternity not included). The Bronze program has a $125,000 sharing limit per condition. However, this limit can be extended up to $1 million over time through Brother’s Keeper.
Christian Healthcare Ministries has a program for catastrophic medical expenses called Brother’s Keeper. This program removes the $125,000 sharing limit per illness. Members on the Gold program can receive unlimited sharing for eligible medical bills. While members on the Silver or Bronze program will see the sharing limit increase each year of membership, reaching up to $1 million per illness. To add Brother’s Keeper, you will pay and additional $22 per unit.
Christian Healthcare Ministries has designed a program specifically for members 65 and older. Any member on the Gold program may be automatically moved to this program upon turning 65, and other members who are eligible for Medicare may also participate in the program. The program costs $115 per unit, per month, and there is a $500 annual personal responsibility amount. Not many health shares have options for members over 65, so this is a nice bonus. Visit their website for information about the program.
You can sign up through their application page. After you join, CHM staff will send you a welcome packet and membership cards to the address you listed.
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