The average national cost of giving birth to a healthy baby in a hospital is between $5,000 and $10,000. C-section deliveries are usually twice as much.

Christian Healthcare Ministries offers a comprehensive maternity program at no extra cost to members. CHM participants share qualifying bills up to $125,000 per pregnancy* for pre-natal care, delivery, home births, midwives, postnatal care and birth complications.

See CHM Guideline J for complete maternity information, including premature births, infertility, circumcision and adoption.

Please evaluate our participation levels before becoming pregnant to decide which level is right for you.

*Your Personal Responsibility amount cannot be shared by Christian Healthcare Ministries.

Step-by-step guide to maximizing the CHM maternity program

1. Obtain medical care as soon as you know you’re pregnant.

2. Ask for an estimate of charges on your clinic/hospital/doctor’s letterhead. These charges are often bundled as a one or two-day stay (sometimes called a “Stork Package”) and are significantly less expensive than being admitted to a facility when it’s time to give birth.

3. Submit the estimate of charges and/or bills to the Christian Healthcare Ministries office. Early submission speeds the time for bill sharing. Notify the CHM office immediately if your health care provider sets a time limit for reduced charges (seven months is common.)

4. Any charge (lab, sonogram, etc.) incurred after the original estimate/bills are submitted should be sent to the CHM office as an “add-on” to the initial amount. Add-on and original bills will be presented for sharing at the same time.

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