The New Testament exhortation to carry one another’s burdens is the foundation for this voluntary cost-sharing organization.

Participation is voluntary; individual members are responsible for payment of their medical bills. What Christian Healthcare Ministries provides is a network of committed Christians who share these medical costs. The generosity of CHM members comes from hearts that have been affected and changed by Jesus Christ.

In the last 15 years, members have helped each other by sharing more than $450 million in medical costs.

Christian Healthcare Ministries members select one of three levels at which to participate: Gold, Silver or Bronze. These monthly financial gifts are the shared funds used to meet medical costs.

A monthly Member Gift Form contains financial gift amount information and instructions on sending gifts to the CHM office. The funds are placed in a Member Escrow Account,* enabling CHM staff to process medical needs  as efficiently and quickly as possible.

The Member Gift Form also facilitates member-to-member communication and prayer.

The CHM Guidelines explain what medical expenses are met through this cost-sharing, Bible-based program.

*Participants living in the state of Maryland are asked to send each monthly gift amount directly to another member. The name and address of the recipient is printed on the Member Gift Form.

*State regulations call for members living in Delaware to send each monthly gift amount to a Christian benevolence fund. The address is printed on the Member Gift Form.

Do I qualify?

Qualifications for joining are simple. To be CHM members, participating adults must:

• be Christians living by biblical principles
• abstain from the use of tobacco and the illegal use of drugs (1 Corinthians 6:19-20)
• follow biblical teaching on the use of alcohol
• attend group worship regularly if health permits (Hebrews 10:25)

How do I join?

1. Apply by completing and submitting the Member Application on this website. You can apply directly online or by downloading, printing and submitting our paper application.

You have a choice of two dates to specify as your start date. One is the date you submit your Member Application online or the postmark date on the envelope in which you mail your application. The second option is for you to choose a future date when you want your participation to begin.

Either choice marks the beginning of your 45-day waiting period. Your start date will affect your first gift date. (Please see CHM Guideline F.2 for the sharing of bills for accidents and emergency appendectomies during the waiting period, as well as waiting period restrictions.)

2. Receive your member welcome packet and CHM membership card within two weeks of submitting your application.

3. Send us the forms indicated in your member welcome packet.

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