Dr. Carol Ministries

Dr. Carol Ministries and Christian Healthcare Ministries (CHM) are working together to bring you a biblical, affordable solution to health care costs. Dr Carol recommends CHM membership to her readers, listeners, and staff.

CHM is not a health insurance company; rather, we are thousands of Christians united in sharing each other's medical bills. As the original health cost sharing ministry (founded in 1981), members of this nonprofit ministry have shared more than $2.5 billion in each other’s healthcare costs.

Here's a list of what you can expect with CHM membership:

  • Affordability (average savings of 60 percent for individual or group memberships)
  • Compassionate service
  • Health cost sharing support for most major illnesses and injuries
  • Generous maternity program
  • Choose your own health care providers
  • No waiting period
  • No annual fee or application fee
  • No one is dropped or denied participation due to medical conditions
  • Costs are not adjusted based on medical conditions or history
  • Bill reductions often eliminate out-of-pocket expenses
  • Longevity, integrity, accountability
  • Programs for catastrophic medical bills and pre-existing conditions
  • Advice on planning for incidental medical expenses, including prescriptions


Podcast: Dr. Carol talks with Rev. Dr. Howard Russell, CEO of Christian Healthcare Ministries

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