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Christian Healthcare Ministries uses a unit system. A unit is a participating individual within a membership. A single person is one unit, a married couple is two units (any two individuals must be two units), and a family is three units, regardless of the number of dependent children. Different units may participate in different programs (Gold, Silver, or Bronze).
Single-parent households: If you are legally and financially responsible for a child or children, your membership will be two units (the parent is the first unit and all children are the second unit).
Households with one participating spouse: If one spouse is a CHM member and the other spouse chooses not to be a member, the participating spouse is one CHM unit and all dependent children are an additional unit (a total of two units).
Adopted children: When a CHM member adopts a child or otherwise has obtained legal custody with legal responsibility for a child’s medical care, that child can be included in your CHM membership. If any other source is responsible, willing or available to pay the child’s medical bills, these resources must be exhausted before CHM members can share bills. CHM cannot share bills for adoption expenses or for any medical expenses incurred before you become legally and financially responsible for the child, nor can we share any birth expenses for an adopted child