A biblical covenant,
not a contract

SEE HOW IT WORKS

How it works

CHM is a faith-based alternative to health insurance. It’s a membership-based, nonprofit ministry. As part of a biblical covenant, CHM members step in and help fellow brothers and sisters in Christ pay eligible medical bills according to the CHM Guidelines.

Choose from one of four programs—CHM Gold, CHM Silver, CHM Bronze, or CHM SeniorShare™—and add CHM Plus as an option to protect against catastrophic medical bills.

For Maryland residents only: Learn additional information regarding CHM membership for Maryland residents here.

What happens when you need care as a CHM member?

1. Choose your provider
CHM has no provider network restrictions. Pick the doctor, specialist, or facility that’s right for you, provided the care meets the standards and eligibility requirements.
2. Submit your bills
Answer a few simple questions and upload your medical bills through the secure Member Portal. There, you can track your bills throughout the review and sharing process.
3. Eligible costs are shared
Once your medical expenses are reviewed and approved for sharing, CHM releases reimbursement funds according to your program.
EXPLORE Medical bill scenarios

Join today with anytime enrollment.

You can join CHM by completing our secure Speedy Enrollment form. CHM has no waiting period, so your start date can be as soon as the same day you complete the form. Click here to learn about our pre-existing conditions policy.

Join NOW
Women researching on tablet

CHM values

A BIBLICAL Option

Stewardship in the Bible means acting with integrity, which is one reason we have sought and earned independent accreditation. As stewards of our members’ financial resources, our faith-driven programs are uniquely cost-effective.

Guided by our values of respect, service, accountability, excellence, and gratitude, we prioritize faith in all we do. Compare health insurance plans or other healthcare options to CHM’s programs and discover your potential savings!

calculate your savings
“I’ve been a member for 5 years. I’m impressed how helpful the people are and how easy it is to submit bills online. I couldn’t be happier with being a member. I love CHM.”
– Peggy P., Dallas, TX

What happens after joining?

You’ll officially be part of the CHM family, working alongside your fellow believers to alleviate the burden of eligible medical bills. Essential membership items will be sent within two to three weeks after your enrollment, and you’ll gain access to the Member Portal!

CHM is different by design. As a new member, you’ll experience freedom, flexibility, and faith in healthcare. To explore all the benefits of joining, download your free Information Pack.

Download Info Pack

Your questions answered

We’ve gathered some of our most commonly asked questions about CHM and joining our biblical community.

If you have more questions about how we work, the cost sharing process, or the advantages that CHM offers you, explore our frequently asked questions.

Explore FAQs