Dental and vision
CHM is for major medical expenses (hospitalization, surgery, maternity, etc.) and therefore doesn’t help with dental, vision, or chiropractic-related expenses. However, here are some options to help you afford these types of costs:


  • 1.
    Set up a savings account just for health care expenses

    Most members find that using CHM for their major medical costs and a savings account for smaller expenses is still more affordable than having a health insurance policy. Dave Ramsey, a friend of CHM, and other Christian financial advisors such as Larry Burkett and Howard Dayton, advise using a budget to keep track of monthly expenses. Using a savings account for anticipated health expenses puts you in control and enables you to choose the right amount to save each month for your family’s needs.