Christian Healthcare Ministries (CHM) is a nonprofit, voluntary cost-sharing ministry through which participating Christians have helped to pay each other's medical bills for more than 30 years. CHM is based on Galatians 6:2 and Acts 2 and 4. In the last 20 years, CHM members have shared more than $1 billion in medical bills. The ministry is a 501(c)(3) tax-exempt organization.
Please see How it works for information.
•Affordable and compassionate
• Generous maternity program
• Choose your own health care providers
• No waiting period
• No application fee or annual fee
• No one is dropped or denied participation due to medical conditions
• Monthly financial gifts are not increased based on age, weight, medical conditions, etc.
• Medical bill reductions can reduce out-of-pocket expenses
• Longevity, integrity and accountability
• One free month for each new individual or family you bring to CHM
• Knowing that each financial gift goes to help a fellow Christian as fellow Christians are standing by to help you! (Luke 6:38)
Anyone who is a member of a health cost sharing ministry is exempted from penalty under the national health care bill (Affordable Care Act) signed into law on March 23, 2010. Christian Healthcare Ministries meets each of the qualifications set forth for health cost sharing ministries in the U.S. health care legislation.
The U.S. Supreme Court ruling on June 28, 2012, does not alter CHM members' ability to meet each other's health care costs. The ministry will continue to provide affordable, quality health cost sharing support.
Questions about submitting medical bills
Christian Healthcare Ministries is not an insurance company. As a voluntary cost-sharing ministry, we do not assume responsibility or the legal obligation for your medical bills. CHM members reimburse each other for qualifying medical bills through monthly, pre-set financial gifts. In the past 20 years, Christian Healthcare Ministries members have shared more than $1 billion in medical costs!
The eligibility of any bill is ultimately determined by Christian Healthcare Ministries Guidelines.
To obtain a copy of the Guidelines, click here or contact CHM at 1-800-791-6225 and ask for the Ministry
You can submit bills for conditions or incidents involving signs or symptoms that began after your start date (a future day you specify or the day Christian Healthcare Ministries receives your printed or online member application). Members in each participation level (Gold, Silver, Bronze) may submit bills for inpatient or outpatient hospital visits or surgery, provided all other criteria are met. Gold level members also may submit bills for medical tests, office visits, and prescriptions if all other criteria are met.
Christian Healthcare Ministries offers a maternity program at no extra cost to members. CHM participants share qualifying bills for Gold level members up to $125,000 (unlimited sharing support with Brother's Keeper) per pregnancy for pre-natal care, delivery, home births, midwives, postnatal care and birth complications. Silver and Bronze exclude most maternity costs. Click here for more information and to learn how maternity works with our Silver and Bronze programs.
A pre-existing condition is any medical illness with signs, symptoms or treatment predating membership in Christian Healthcare Ministries (even if it has not been diagnosed). During the first three years of membership, Gold level members may receive assistance with certain bills for pre-existing conditions according to an annual schedule. For more information and further opportunity to receive help with certain pre-existing conditions, see the Pre-existing conditions section.
Christian Healthcare Ministries shares a maximum lifetime limit of $125,000 for each illness that qualifies according to CHM Guidelines. For information about health cost support of up to $1 million or more, see the Catastrophic bills page.
In general, eligible medical needs are shared by CHM members in the order they are received at the Christian Healthcare Ministries office. The time it takes to share needs is dependent on numerous factors. For example, the bigger the health care provider's reduction, the sooner the need is shared. Recent average sharing time has been under three months from the date medical bills are received at our offices. We continually work to shorten sharing time.
Unlike health insurance companies, monthly financial gifts to CHM are not increased because you become sick or injured. You are not priced out of participation, neither are you removed from participation because you suffer an expensive illness. We will do everything we can to meet your medical costs as quickly as possible.
When you have an eligible medical need, submit the following items to the CHM office (Christian Healthcare Ministries / Attn: Needs Processing / 127 Hazelwood Ave. / Barberton, OH 44203):
•Copies of itemized medical bills
•Forms in the Needs Processing packet (Needs Processing Form and Authorization for Release of Health Information Form)
•A brief letter giving the details of the condition
Faith requires mutual sharing of needs. According to Galatians 6:2-5, every believer should “carry his own load” in addition to bearing the burdens of others. Christian Healthcare Ministries practices this principle through the concept of personal responsibility. Personal responsibility for Gold members is $500 per membership unit, per year. Silver and Bronze participation levels are $1,000 and $5,000 per incident, respectively. Bill reductions, insurance, Medicare, or other assistance can apply towards your personal responsibility amount and reduce out-of-pocket costs.
You may receive treatment from any health care provider if the treatment is within CHM Guidelines. The CHM Reductions department—a valuable resource—helps members obtain bill reductions from medical providers and qualify for assistance programs. We recommend that you visit www.healthcarebluebook.com and www.hospitalvictims.com for helpful information on fair pricing for medical services. You also can contact the Reductions department at 1-800-791-6225 or e-mail email@example.com.
Questions about participation & cost
Christian Healthcare Ministries offers three participation levels: Gold ($150 per unit, per month), Silver ($85 per unit, per month) and Bronze ($45 per unit, per month).
CHM is very affordable. Comparisons based on results from the 2011 Annual Employer Health Benefits Survey (Kaiser Family Foundation and Health Research and Educational Trust) show that even at the highest level (Gold), CHM participation is more than 65 percent less than the average price of HMO, PPO, and POS health insurance plans.
For detailed information about participation levels and costs, click here.
While it is impossible to predict the future health, well-being and medical costs of our members, it is our goal to keep gift amounts as low as possible. Our record shows that we are meeting this goal in spite of rising medical costs.
CHM financial gift amounts have been increased only once since 2000 due to the large increase in the cost of medical care and in order to keep bill sharing time to a minimum. Even then, the increase was minimal. For example, monthly Gold level financial gifts went from $135 to $150 per month. Helping us to keep gift amounts low is the fact that we are a ministry, not a for-profit corporation.
Your normal monthly gift amount required for membership is not tax deductible; however, all extra giving over and above your minimum monthly gift to Christian Healthcare Ministries (including Prayer Page giving sent to the CHM office) qualifies as a charitable contribution for tax purposes. Christian Healthcare Ministries, Inc. is exempt from federal income tax under Section 501(c)(3) of the Internal Revenue Code.
Monthly gifts (and any extra giving) should be sent to Christian Healthcare Ministries at the following address:
Christian Healthcare Ministries
Attn: Gift Processing
127 Hazelwood Ave.
Barberton, OH 44203
Gifts are placed into a Member Escrow Account, which undergoes an annual, independent audit.
Members from the states of Maryland or Delaware are asked to contact the Member Assistance department at 1-800-791-6225 to find out where to send their monthly gifts. Automatic, recurring giving through credit card or bank withdrawal can be set up by filling out the applicable section of the Member Application.
Questions about becoming a member
Please see How it works for information.
No. No one is excluded from participating in sharing. However, Christian Healthcare Ministries cannot share bills for treatment of ineligible medical conditions (see the CHM Guidelines). For detailed information regarding pre-existing conditions, visit our Pre-existing conditions section or see the CHM Guidelines.
Yes. However, you must have Medicare parts A and B to submit medical needs for sharing. Your fellow members will help meet the costs of what Medicare will not pay (according to your participation level).
Yes. But please note that CHM members must have access to a U.S. mailing address or reliable Internet service capable of receiving e-mails with attached files. All bills submitted must be translated into English and converted to U.S. dollars.
There is no waiting period. Your CHM start date begins: (1) on the postmark date of the envelope in which you submit your completed Member Application, (2) the date you submit your completed application online or (3) the future date you specify on your paper or online application.
A unit is typically defined as one qualifying individual. Monthly gifts are given based on the number of units, whether individual or family. Any family with three or more qualifying immediate family members would be considered three units total. (For example, a father, mother and their four children would be considered three units.) For more information, click here.
Questions about telling others about CHM
Bring-a-Friend is a program in which members encourage Christian friends, neighbors and extended family to join CHM and benefit from the joy of knowing that their monthly gifts will also help other Christians.
A member will receive a free month for every new membership he or she brings into CHM. The free month is applied after the friend submits his or her third monthly gift. Those who bring a friend each month can be part of Christian Healthcare Ministries gift-free! Please see Bring-a-Friend for more information.
Acts: Now! is a personal, loving outreach to people across the country who want and need what Christian Healthcare Ministries offers. To bolster and expand the Bring-a-Friend program, CHM staff and members work together to spread the news about CHM to members’ local churches.
Acts: Now! can be customized to fit an individual church’s specific preferences, schedule, needs and capabilities. It offers incentives for CHM members and their churches. Please see Share the Message for more information.
Please see our step-by-step guide to sharing CHM with friends in need.
We at Christian Healthcare Ministries believe that supporting each other spiritually is as important as the financial support members receive. Through the monthly Member Gift Form, the Prayer Page and the Brother’s Keeper program, members have the opportunity to reach out to each other through prayer, cards and notes of encouragement. CHM staff also pray daily for members, especially those who have submitted prayer requests by mail, email, or telephone.
Many staff members are prayer warriors available to pray with you over the phone at your request.
Christian Healthcare Ministries partners with companies that offer discounts on prescriptions. A free prescription card is included in the new member welcome packet. There is no discount guarantee or set discount amount. For more information, visit http://www.chmrx.org or http://m.chmrx.org (mobile site).
The legal notices are the result of discussions with several state regulators and are part of an effort to make sure that members understand that Christian Healthcare Ministries is not an insurance company and that it does not guarantee payment of medical costs. Our role is to enable Christians to help fellow Christians through voluntary financial gifts. For more than 30 years, CHM members have faithfully provided for one another in accordance with and as demonstrated in Scripture. In the past 20 years alone, members have shared more than $1 billion to meet each other's medical costs.
We at Christian Healthcare Ministries are committed to glorifying God, helping fellow Christians and doing the right thing for the right reasons. CHM abides by the following internal controls:
• Independent Board of Directors
• A stringent Board of Directors conflict of interest policy
• Regular review of financial statements and budgets by Board of Directors and management
• Annual certified audit conducted by an outside independent public accounting firm
• Employment of a highly qualified Chief Financial Officer
• Abides by the provisions of the Sarbanes-Oxley Act of 2002
• Checks and balances on the receipt and disbursement of member finances, check preparation and reconciliation of bank statements
• All disbursements reviewed by the President and Chief Financial Officer
Christian Healthcare Ministries also is a Better Business Bureau Accredited Charity. CHM financial statements are available by contacting the chief financial officer. For detailed information on CHM controls, see the CHM Guidelines.
General privacy statement regarding personal information:
Your privacy is very important to us. Therefore, Christian Healthcare Ministries does not share, sell, or rent your personal information to third parties for their marketing purposes. We only collect personal information from you necessary to supply you with the service(s) you request while on our website. By supplying your personal information, you agree that we may use it to perform the service(s) you have requested or contact you in the event that we cannot perform the service(s) requested.
Disclaimer for secure online application:
Christian Healthcare Ministries treats your data as an asset to be protected against loss and unauthorized access. We employ security techniques to protect such data from unauthorized access by users inside and outside the organization. However, since “perfect security” does not exist on the Internet, Christian Healthcare Ministries cannot be held liable for security infringements by unauthorized users outside the organization.
The Prayer Page, printed in the monthly CHM newsletter, is another way CHM members carry each other’s burdens. It communicates need amounts from pre-existing conditions, which are not eligible for sharing through the regular CHM program. The Prayer Page does not assist with pre-existing bills; that is, bills incurred prior to joining CHM. Members are encouraged to give to Prayer Page needs (over and above their monthly financial gifts) as they feel led. To make a donation to Prayer Page needs, please call 1-800-791-6225, ext. 5993.
Brother’s Keeper is a safeguard against catastrophic illness or injury. Brother’s Keeper is a successful, Bible-centered cost-sharing program enabling members to meet medical needs that exceed Christian Healthcare Ministries’ $125,000 lifetime limit per (related) diagnosis.
Brother’s Keeper is administered by the same standards as the Christian Healthcare Ministries program. Medical need eligibility is determined by CHM Guidelines and the member's participation level. You must enroll in Brother’s Keeper to participate.
Still have questions?
Ask a question online or contact us toll-free at 1-800-791-6225 and ask for the Ministry Information department. Hours: Mon-Fri 9am-Noon; 12:30-5pm (Eastern time)