Jane Dotson
Christian Healthcare Ministries (CHM) is a non-profit, faith-based alternative to health insurance. It is a health cost-sharing ministry, where members voluntarily share medical expenses to reduce the financial burden on other members. This model is based on the biblical principle of Galatians 6:2, which encourages Christians to share each other's burdens. CHM offers four different programs with flexible options for individuals at any age or stage of life, including protection against catastrophic medical bills. Members are typically free to choose their own healthcare providers and can save up to 50% on their healthcare costs compared to traditional insurance.
| Characteristics | Values |
|---|---|
| Type of Organization | Christian Healthcare Ministries is a non-profit organization and a health cost-sharing ministry, not an insurance company. |
| Membership Requirements | Individuals need to adhere to a Christian lifestyle and agree to live according to biblical principles. |
| Cost | Monthly costs range from $98 to $255, depending on the program chosen. The CHM Plus add-on option is $32 a month. |
| Eligible Medical Expenses | Inpatient and outpatient hospital incidents and surgery, maternity care, physical therapy, home healthcare (up to 45 visits per injury/sickness), and incident-related doctor’s office visits and prescriptions. |
| Illness Cap | $125,000 per illness unless adjusted by the CHM Plus add-on option. |
| Number of Members | Over 2 million members |
| Provider Network | Members can choose their healthcare provider freely and are not restricted to a specific network. |
| Bill Payment Process | Members inform their healthcare providers that they are self-pay patients, provide a valid CHM card, and submit itemized medical bills to CHM for reimbursement. |
| Satisfaction | 98% member satisfaction reported by Medi-Share, another Christian healthcare sharing ministry. |
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What You'll Learn
- Christian Healthcare Ministries (CHM) is a non-profit organization founded on Christian principles
- CHM is a faith-based alternative to health insurance
- CHM members voluntarily share medical expenses
- CHM offers four different programs with optional add-ons
- CHM is not an insurance company but a bill-sharing group
Christian Healthcare Ministries (CHM) is a non-profit organization founded on Christian principles
CHM is a faith-based alternative to health insurance. It is a membership-based ministry, with members stepping in to help fellow Christians pay eligible medical bills according to the CHM Guidelines. Members contribute monthly financial amounts, called "shares", which are used to cover the eligible medical expenses of other members. This model is based on the biblical principle of sharing each other's burdens, as outlined in Galatians 6:2.
CHM offers four different programs: CHM Gold, CHM Silver, CHM Bronze, and CHM SeniorShare™. Each program includes telemedicine services, inpatient and outpatient hospital incidents, surgery, maternity care, physical therapy, home healthcare (up to 45 visits per injury or sickness), and incident-related doctor's office visits and prescriptions. The CHM Plus program can be added to protect against catastrophic medical bills.
CHM members submit their medical bills through the Member Portal, and their fellow believers help to alleviate the burden of eligible medical expenses. CHM shares 100% of eligible medical bills and has satisfied over $7 billion in members' healthcare costs. The monthly costs of the programs range from $98 to $255, which is often lower than traditional health insurance premiums.
CHM is not regulated as insurance, and members are advised to inform their healthcare providers that they are self-pay patients. CHM members can also apply for all financial assistance and ask for discounts from their providers.
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CHM is a faith-based alternative to health insurance
Christian Healthcare Ministries (CHM) is a faith-based non-profit organization founded on Christian principles. It is not an insurance company but operates as a ministry, serving as a health cost-sharing program for its members. CHM is the nation's original health cost-sharing ministry, founded in 1981, and has been operational for over four decades with over 2 million members.
The concept of health sharing plans is deeply rooted in the Christian tradition of mutual aid, with Amish and Mennonite communities in the United States historically pooling money to help members facing medical debt. This approach to healthcare is based on the biblical principle of Galatians 6:2, which encourages believers to share each other's burdens. CHM members voluntarily contribute monthly financial amounts, called "shares," which are used to cover the eligible medical expenses of other members.
CHM offers four different flexible programs: CHM Gold, CHM Silver, CHM Bronze, and CHM SeniorShare™. Each program includes telemedicine services, inpatient and outpatient hospital incidents, surgery, maternity care, physical therapy, home healthcare (up to 45 visits per injury/sickness), and incident-related doctor's office visits and prescriptions. Members are free to choose their healthcare providers without being restricted to a specific network.
CHM members submit their eligible medical bills through the Member Portal, and their fellow believers help pay these bills according to the CHM Guidelines. CHM shares 100% of eligible medical bills and has satisfied over $11 billion in members' healthcare costs. The monthly costs for CHM programs range from $98 to $255, often lower than traditional health insurance premiums.
CHM provides a faith-based alternative to traditional health insurance, allowing members to receive healthcare in alignment with their Christian values while also experiencing freedom, flexibility, and faith in their healthcare choices.
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CHM members voluntarily share medical expenses
Christian Healthcare Ministries (CHM) is a non-profit organisation founded on Christian principles. It is a faith-based alternative to health insurance. CHM is not an insurance company but a bill-sharing group of thousands of Christians across the country and around the world who share one another's healthcare costs and burdens.
As part of a biblical covenant, CHM members help fellow believers pay eligible medical bills according to the CHM Guidelines. Members submit their eligible bills by answering a few simple questions on the Member Portal and uploading their medical bills. CHM then takes care of these eligible medical bills.
CHM offers four different flexible programs: CHM Gold, CHM Silver, CHM Bronze, and CHM SeniorShare™. Each program includes telemedicine services, inpatient and outpatient hospital incidents, surgery, maternity care, physical therapy, home healthcare (up to 45 visits per injury/sickness), and incident-related doctor's office visits and prescriptions. Members can also add the optional CHM Plus program to protect against catastrophic medical bills.
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CHM offers four different programs with optional add-ons
Christian Healthcare Ministries (CHM) is a non-profit organization founded on Christian principles. It is not an insurance company but a health cost-sharing ministry. Members voluntarily share eligible medical expenses through monthly contributions called "shares". This model is based on the biblical principle of Galatians 6:2 that believers should share each other's burdens.
CHM Plus is an optional add-on program that members can choose to protect against catastrophic medical bills. For $32 a month, this add-on covers medical bills that exceed the $125,000 limit per illness specified in the CHM Guidelines.
The specific details of each program are not provided, but the monthly costs for all CHM programs range from $98 to $255. Members can also choose their healthcare providers freely without being restricted to a specific network.
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CHM is not an insurance company but a bill-sharing group
Christian Healthcare Ministries (CHM) is a non-profit organisation founded on Christian principles. It operates as a ministry, not an insurance company. It is one of the oldest health-sharing programmes in the US, with over 2 million members.
CHM is a faith-based alternative to health insurance. It is a membership-based, non-profit ministry. Members contribute monthly financial amounts, called "shares", which are used to cover the eligible medical expenses of other members. This model is based on the biblical principle that members should share each other's burdens. Members are expected to live according to biblical principles and Christian values.
CHM is a self-described budget-friendly, biblical, and compassionate healthcare cost solution for Christian believers in all states in the USA and worldwide. It is a community of members who voluntarily pay and share 100% of eligible medical bills, and overall has satisfied over $11 billion in members' healthcare costs. Members are encouraged to inform their healthcare providers that they are self-pay patients and to ask for discounts.
CHM offers four different flexible programs: CHM Gold, CHM Silver, CHM Bronze, or CHM SeniorShare™. Each program includes telemedicine services, inpatient and outpatient hospital incidents and surgery, maternity care, physical therapy, home healthcare (up to 45 visits per injury/sickness), and incident-related doctor’s office visits and prescriptions. Members can also add the optional CHM Plus program to protect against catastrophic medical bills.
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Frequently asked questions
Christian Health Ministries (CHM) is a non-profit, faith-based alternative to health insurance. It is a membership-based ministry with more than 2 million members worldwide. Members contribute monthly payments, or "shares", which are used to cover the eligible medical expenses of other members.
CHM members choose from one of four programs: CHM Gold, CHM Silver, CHM Bronze, or CHM SeniorShare™. Members then submit their eligible medical bills through the Member Portal and their bills are paid using funds from the shared monthly contributions.
Monthly costs range from $98 to $255, depending on the program chosen. The CHM Plus add-on option is available for a low cost of $32 a month and protects against catastrophic medical bills.
All programs include telemedicine services, inpatient and outpatient hospital visits, surgery, maternity care, physical therapy, home healthcare (up to 45 visits per injury or sickness), and incident-related doctor's office visits and prescriptions. All programs have an illness cap of $125,000 per illness unless adjusted by the CHM Plus add-on option.
