Christian Healthcare Ministries participation levels & costs

Participation levels & costs

What people say about CHM

We want to thank our Savior, the Lord Jesus Christ. We are debt free once again thanks to Christian Healthcare Ministries and our brothers and sisters in Christ! All our hospital and doctor bills have been paid in full. -Larry & Julie Waid, Albany, KY; $20,910 need met

More testimonials

There are three participation levels from which CHM members may choose:

Gold = $150.00 per unit, per month

$500 personal responsibility per unit, per year. Total bills incurred per incident must exceed $500.
Includes:
• inpatient and outpatient hospital incidents* and surgery
• medical testing
• maternity (click here for more information)
• physical therapy and home health care (up to 45 visits)
• incident-related doctor's office visits
• incident-related prescriptions

Silver = $85.00 per unit, per month

$1,000 personal responsibility per incident*
• Includes only inpatient and outpatient hospital incidents and surgery performed anywhere
• Testing and treatment outside a hospital do not qualify for sharing
• The Silver level excludes most maternity costs. The only eligible costs are bills you incur as a hospital patient or bills from midwife services (up to $2,500 per pregnancy).

Bronze = $45.00 per unit, per month

$5,000 personal responsibility per incident*
• Includes only Inpatient and outpatient hospital incidents and surgery performed anywhere
• Testing and treatment outside a hospital do not qualify for sharing
• The Bronze level excludes most maternity costs (only bills you incur as a hospital patient can be shared).

Counting the cost: How CHM compares with health insurance costs


See the CHM Guidelines for more about what can be shared at the Gold, Silver, and Bronze levels


*Incident: An incident includes medical treatment or testing that lasts until one of the following events occurs: 1) a certain medical condition is cured according to official medical records; 2) treatment is at a routine maintenance level; or 3) you experience 90 days without any kind of treatment for that particular condition. The medical bills incurred from the first test to the last treatment before the doctor releases you to a regular, routine maintenance regimen are considered a single incident. If 90 days pass and you receive no further treatment, any future bills you incur will be considered a separate incident.