Christian Healthcare Ministries: Insurance Or Not?

Christian Healthcare Ministries (CHM) is a faith-based alternative to health insurance. It is a membership-based, non-profit ministry where members help fellow Christians pay eligible medical bills. It is not considered insurance because it is not a contractual agreement, and there is no guarantee of payment. Instead, CHM members operate within a biblical covenantal relationship, and members are ultimately responsible for their medical expenses.

Christian Healthcare Ministries is a faith-based alternative to health insurance

Christian Healthcare Ministries (CHM) is a faith-based alternative to health insurance. It is a membership-based, nonprofit ministry, where members are committed to helping fellow Christians pay eligible medical bills.

CHM is not insurance, but a ministry, and its members operate within a biblically-based covenantal relationship. There is no written contract or policy, and members are ultimately responsible for their medical expenses. The commitment to help each other is based on faith alone.

CHM does not have insurance agents, and its staff serve members directly, providing spiritual encouragement and prayers. There is no guarantee of payment, but CHM members have been able to meet 100% of eligible medical expenses since its inception in 1981. This is due to the biblically-based covenantal relationship upon which the ministry is founded, and members' faithfulness to each other.

CHM offers four programs: Gold, Silver, Bronze, and SeniorShare™. Members can also add CHM Plus as protection against catastrophic medical bills. There are no network restrictions, and members are free to choose their healthcare providers.

CHM has no waiting period, and membership is open to all, regardless of age, geographic location, or health history. Members voluntarily send monthly contributions to cover their medical costs and help fellow believers. CHM shares 100% of eligible medical bills and has satisfied over $10 billion in members' healthcare costs.

CHM is an affordable option for Christians who want more from their healthcare. It offers flexibility and values-based solutions, helping members save on healthcare without giving up their freedom.

Members of Christian Healthcare Ministries are part of a biblical community

Members of Christian Healthcare Ministries (CHM) are part of a biblical community. CHM is a faith-based alternative to health insurance. It is a membership-based, nonprofit ministry. Members of CHM are part of a biblical community because they operate within a biblically-based covenantal relationship. They are ultimately responsible for their medical expenses, and participation in the ministry is a commitment based on faith alone.

CHM members are part of a biblical community because they are united by a shared faith. They are committed to serving and operating out of common beliefs, empowering CHM staff to pray with members, offer words of encouragement, and extend Scriptural truths while assisting members with membership questions and medical expense sharing. This shared faith enables CHM staff to serve members directly and provide spiritual encouragement and prayer.

CHM members are also part of a biblical community because they step in and help fellow brothers and sisters in Christ pay eligible medical bills according to the CHM Guidelines. They voluntarily pay the burden of medical expenses for one another. CHM members are committed to carrying each other's burdens and fulfilling the law of Christ, as stated in Galatians 6:2. This sense of community and mutual support is a key aspect of the biblical covenant that unites CHM members.

In addition, CHM members are part of a biblical community because they come from all 50 states and around the world, reflecting a diverse and global Christian community. They are united by their shared faith and commitment to helping each other with medical costs. CHM offers four different programs to meet the diverse needs of its members, including CHM Gold, CHM Silver, CHM Bronze, and CHM SeniorShare™.

CHM members are also part of a community that prioritizes flexibility and freedom. They have the freedom to choose their healthcare providers without being restricted to a specific network. This flexibility allows members to choose quality care that aligns with their individual needs and preferences.

Overall, members of Christian Healthcare Ministries are part of a biblical community that is united by a shared faith and a commitment to serving and supporting one another. They voluntarily share the burden of medical expenses, reflecting the biblical principle of carrying each other's burdens. This sense of community, mutual support, and faith-based covenantal relationship sets CHM apart from traditional insurance models.

Christian Healthcare Ministries is not bound by a contractual agreement

Christian Healthcare Ministries (CHM) is a faith-based alternative to health insurance. It is a membership-based, nonprofit ministry. Members of CHM are part of a biblical covenant, meaning they are committed to loving and supporting each other. This is different from insurance, which is a contractual agreement.

CHM members are ultimately responsible for their medical expenses. They voluntarily send monthly contributions to cover their medical costs and help fellow believers. This is done through a shared faith and commitment to each other, rather than a legal contract.

CHM does not have insurance agents. Instead, CHM staff serve members directly and can provide spiritual encouragement and prayer.

CHM members have been able to meet 100% of eligible medical expenses since the ministry's inception in 1981. This is due to the biblically-based covenantal relationship and members' faithfulness to each other.

CHM offers four programs: Gold, Silver, Bronze, and SeniorShare™. Members can also add CHM Plus as protection against catastrophic medical bills. There are no membership restrictions based on age, location, or health history.

CHM is an affordable option for healthcare. Monthly costs range from $92 to $267, depending on the chosen program. CHM shares 100% of eligible medical bills and has satisfied over $10 billion in members' healthcare costs.

Christian Healthcare Ministries does not employ insurance agents

Christian Healthcare Ministries (CHM) is a faith-based alternative to health insurance. It is a membership-based, nonprofit ministry. Members of CHM are part of a biblical covenant, not a written contract or policy. As such, CHM does not employ insurance agents.

Insurance agents are trained to guide customers through the plan that works best for their needs. They receive specific training on the type of insurance they wish to sell, such as home, auto, or life insurance. Before they can sell insurance, agents pass a state-administered test and receive a license from their state's insurance department. They then receive a commission from selling insurance products.

CHM, on the other hand, does not contract with, incentivize, or authorize insurance agents to sell its plans. Instead, CHM staff serve members directly, providing spiritual encouragement and prayers for members as they interact.

CHM members are ultimately responsible for their medical expenses, and ministry participation and sharing are commitments based on faith alone. This is in contrast to insurance, where policyholders pay monthly premiums in exchange for a guarantee from the insurance company to pay for losses or claims.

Christian Healthcare Ministries has no network restrictions

Christian Healthcare Ministries (CHM) is a health cost-sharing ministry founded on biblical principles. It is a faith-based alternative to health insurance and is not considered insurance. CHM members are ultimately responsible for their medical expenses.

CHM has no network restrictions, meaning members have the freedom to choose their healthcare provider. This flexibility allows members to select quality care without being limited to a specific network of doctors or hospitals. This is in contrast to traditional health insurance plans, which often have preferred provider organizations (PPOs) that offer pre-negotiated rates within their network.

With CHM, members can choose from four programs: CHM Gold, CHM Silver, CHM Bronze, or CHM SeniorShare™. Additionally, members can add CHM Plus as an option for protection against catastrophic medical bills. The monthly costs for these programs range from $92 to $267, depending on the chosen plan.

CHM's unique approach to healthcare provides members with a values-based solution that aligns with their Christian beliefs. It offers an affordable option for individuals, families, businesses, and ministries seeking a community-oriented approach to managing their medical expenses.

Frequently asked questions