Dr. Carol Ministries and Christian Healthcare Ministries (CHM) are working together to bring you a biblical, budget-friendly solution to healthcare 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 $5 billion in each other’s healthcare costs.
Here's a list of what you can expect with CHM membership:
- 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