CHM GOLD
Shares 100% of any eligible medical incident totaling $1,250 or more, up to $125,000 per illness. More details.
$255
per unit*, per month
Faith-Based Health Care That Puts People Over Profit
Christian Healthcare Ministries (CHM) is a biblical alternative to health insurance. They let you choose your doctors and share health care costs with an entire community. Also, you won’t get denied (or charged more) based on your medical conditions or history.
Choose Your Program
CHM SILVER
Shares eligible medical expenses totaling $3,000 or more, up to $125,000 per illness. More details.
$148
per unit*, per month
CHM BRONZE
Shares eligible medical expenses totaling $6,000 or more, up to $125,000 per illness. More details.
$98
per unit*, per month
CHM SENIORSHARE TM
Shares eligible medical expenses totaling $500 or more. More details.
$115
per unit*, per month
*Understanding CHM Unit Setup
Each unit can choose from any program—Gold, Silver or Bronze.
Those 65 or older (who have Medicare Parts A and B or a Medicare Advantage Plan) are eligible to choose SeniorShare™.
1 Unit = 1 Adult
2 units = 2 adults (husband and wife) or 1 adult + dependent children or two or more children without a parent on the membership
3 units = 2 adults (husband, wife + and dependent children up to 26 years old)
Calculate Your Program Cost
Not sure which CHM program is right for you? Just answer a few simple questions and find out which one is best for you and your family.
How Does Christian Healthcare Ministries Work?
With Christian Healthcare Ministries, each member of the health sharing plan pays a monthly contribution. Part of those contributions are set aside to help fellow plan participants with their bills. So, when you get a medical bill, you pay it yourself. Then you submit your bill to Christian Healthcare Ministries to confirm that it’s eligible for sharing. Once it’s approved, you’ll receive reimbursement for the covered portion of your bill.
What's Included?
No Contracts
At Christian Healthcare Ministries, you never have to sign a contract. Plus, you can join (or cancel) at any time.
Doctors You Want
Forget tiny networks! At CHM, their no-network approach gives you options.
Maternity Included
When you're having a baby, the last thing you should be doing is stressing over bills. That's why CHM offers maternity sharing for mothers on each program.
Virtual Care Perks
Members have access to both primary care and urgent care appointments. (Yep—no more waiting and waiting to see your doctor.)
Get Your Free CHM Info Pack
Want to learn more about what CHM has to offer? Get answers to your questions and find out if CHM is right for you with this free PDF.
What to Know About Health
Share Plans
Health share plans are nonprofit ministries. That means members get to combine health care support with serving others as an expression of faith. And these plans are getting more popular all the time. That’s not surprising when you realize how much money they can save you compared to traditional health insurance plans.
Learn all about the differences between health cost sharing and traditional health insurance. We’ll break down the pros and cons so you can figure out if a health share plan is right for you!
Want to Learn More Before You Apply?
Get all your need-to-know info on CHM.
Top Questions About Christian Healthcare Ministries
Let’s look at the top questions asked by people considering a health cost sharing program. We’ll go over topics like:
- What is Christian Healthcare Ministries (CHM)?
- What programs does it offer?
- Who does it make sense for?
- What if I have a preexisting condition?
- Do doctors accept CHM?
Get answers and discover if CHM is right for you and your family!
Christian Healthcare Ministries is a RamseyTrusted® provider—and that’s a big deal! RamseyTrusted is our seal of approval in the marketplace. And we don’t give it to just anyone. Only providers who do whatever it takes to help you win earn the RamseyTrusted shield.
What Is Cost Sharing?
Traditional health cost sharing is the portion of your medical bill the insurance company shares with you after you meet your own out-of-pocket payment responsibilities (deductibles, coinsurance and copays). Then, depending on your coinsurance split, they’ll kick in a partial payment for your health care bill.
There’s also a new way of sharing health care costs that’s cheaper and simpler. It’s called health sharing or health cost sharing. Health share plans are like cooperatives where members share a portion of each other’s medical costs.
We’ll dive deeper into both types of health cost sharing and then talk about how the new kind can benefit you.
Ready to Get Started?
CHM Gold Program
$255 per unit, per month
Shares 100% of any eligible medical incident totaling $1,250 or more, up to $125,000 per illness.
Includes:
• Inpatient or outpatient hospital incidents and surgery
• Urgent care
• Independent lab work and radiology
• Maternity, $2,500 personal responsibility applies
• Physical therapy (up to 45 visits per injury or illness)
• Home healthcare (up to 45 visits per injury or illness)
• Incident-related doctor’s office visits
• Incident-related prescriptions (up to 90 days per incident)
• CHM Gold Schedule shares maintained pre-existing conditions
• Option to add CHM Gold + CHM Plus* for unlimited sharing
*CHM Gold + CHM Plus
CHM Plus is your safeguard against those major illnesses or injuries that can come out of nowhere. For an additional $32 a month, you can add it to your CHM Gold program and receive unlimited cost-sharing support.
CHM Silver Program
$148 per unit, per month
Shares eligible medical expenses totaling $3,000 or more, up to $125,000 per illness.
Includes:
• Inpatient or outpatient hospital incidents and surgery
• Surgery done at facilities that meet accepted standards of medical care
• Option to add CHM Plus* for extra sharing
• Maternity, $5,000 personal responsibility applies
• Physical therapy (up to 45 visits per injury or illness)
• Home healthcare (up to 45 visits per injury or illness)
• Incident-related doctor’s office visits
• Incident-related prescriptions (up to 90 days per incident)
*CHM Silver + CHM Plus
CHM Plus is your safeguard against those major illnesses or injuries that can come out of nowhere. For $32 more per month, you can add it to your CHM Silver program and get an extra $100,000 of sharing per year (up to $1 million per illness over the lifetime of the membership).
CHM Bronze Program
$98 per unit, per month
Shares eligible medical expenses totaling $6,000 or more, up to $125,000 per illness.
Includes:
• Inpatient or outpatient hospital incidents and surgery
• Surgery done at facilities that meet accepted standards of medical care
• Option to add CHM Plus* for extra sharing
• Maternity, $9,000 personal responsibility applies
• Physical therapy (up to 45 visits per injury or illness)
• Home healthcare (up to 45 visits per injury or illness)
• Incident-related doctor’s office visits
• Incident-related prescriptions (up to 90 days per incident)
*CHM Bronze + CHM Plus
CHM Plus is your safeguard against those major illnesses or injuries that can come out of nowhere. For $32 more a month, you can add it to your CHM Bronze program and get an extra $100,000 of sharing per year (up to $1 million per illness over the lifetime of the membership).
CHM SeniorShare™
$115 per unit*, per month
Shares eligible medical expenses totaling $500 or more.
Includes:
• Inpatient or outpatient hospital incidents and surgery
• Urgent Care
• Independent labwork and radiology
• Physical therapy (up to 45 visits per injury or illness)
• Home healthcare (up to 45 visits per injury or illness)
• Incident-related doctor's office visits
• Incident-related prescriptions (up to 90 days per incident)
• CHM Plus* is automatically included with SeniorShare.
CHM SeniorShare™ is available for individuals who are age 65 and older who have Medicare Parts A and B (or a Medicare Advantage Plan). It's best used as a complement to Medicare.
*CHM Plus
CHM Plus is your safeguard against those major illnesses or injuries that can come out of nowhere. For an additional $32 a month, you can add it to your CHM Gold program and receive unlimited cost-sharing support.