How Christian Healthcare Ministries works

How it works

What people say about CHM

There is much to be said for taking control of your health care costs. CHM membership caused us to pay attention to the cost of care. It went against the attitude that we were owed something for paying into insurance. We also had great peace knowing that CHM was there for us if we ever experienced a traumatic health situation that we couldn’t handle on our own.-Paul & Carrol Schlett, De Soto, MO

The check from Christian Healthcare Ministries arrived the week before our third son’s birth and was a great encouragement to us. It reminded us that the Lord was providing for all of our needs. It is a blessing to be a part of this ministry and know that our monthly gifts go to help other believers in Christ. -David & Shari Boshart, Durham, NC; $6,677 need met

More testimonials

The New Testament says Christians should carry each other’s burdens. That is the foundation of our voluntary cost-sharing ministry.

Christian Healthcare Ministries is not a health insurance company. Rather, we are a group of thousands of Christians across the United States and around the world who share each other’s burdens in the area of health care costs. We also pray for and encourage one another.

In the last 20 years, members have helped each other by sharing more than $1 billion in medical costs.

Christian Healthcare Ministries members select one of three participation levels: Gold, Silver or Bronze. Monthly financial gifts assigned to each level are the shared funds used to meet medical costs.

Each month members receive a statement (Member Gift Form) with the amount of their voluntary sharing financial gift. The amount is sent directly from one member to another through an escrow account that is audited according to generally accepted accounting principles (GAAP), as is required by federal law. CHM staff members then process members' submitted medical needs quickly and efficiently so that members can pay their medical bills.

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

The CHM Guidelines explain what medical expenses are met through this cost-sharing, Bible-based program. Click here for more information.