Welcome to the CHM family!

Your fellow CHM members are ready to support you financially and spiritually if you encounter an illness, injury, or other healthcare need.

When we share each other’s burdens, we act as the hands and feet of Christ (Galatians 6:2, Acts 2 and 4). Cost-savings, excellence in healthcare, and prayerful encouragement are at your fingertips!

Download welcome pack    Member Portal login

Getting Started
How long will it take, and when will I receive proof of my membership?

If your application is complete, your membership will begin as soon as you click the “submit” button on the online application or on the postmark date of your mailed application (unless you have a specified future start date). You’ll receive confirmation and a temporary membership number. When your application is processed, you’ll receive an email containing your member number, Member Portal access code, and start date. Once you receive this information, you’re able to register for the Member Portal and download your digital membership cards, submit medical bills, view the Guidelines, and more!

You’ll also receive a new member Welcome Packet in the mail within a few weeks of submitting your application that will contain printed membership cards, a copy of the Guidelines, and more.

What is the medical bill sharing process?

As a CHM member, you are considered a self-pay patient. That means providers will send you the bills directly. This gives you the ability to have a direct say in your healthcare. You have flexibility to choose your own providers and the advantage of transparent pricing. When you receive medical bills from your providers, you ask for self-pay discounts, and then submit itemized bills to CHM.

Once you submit your bills, the CHM staff have five tasks to complete the medical bill sharing process.

How do I find CHM friendly providers?

Since CHM is a ministry serving you, we don’t have a provider network you must abide by. As long as the expenses are eligible for sharing within our Guidelines, your healthcare provider options are countless. Click here to use our tool to find recommended providers.

Important Details
Why do you use different terminology?

As a health cost sharing ministry—and not insurance—we use terms that reflect our passion and ministry. These terms further separate us from insurance. You can find a helpful glossary of our most commonly used terms in the back of your Guidelines and here.

How can I get additional resources?

Connect with CHM staff and fellow members on our social media channels and groups! Visit our blog to receive spiritual encouragement—created just for you. We also encourage you to opt in to our email updates. Doing so means we can communicate tips about your CHM membership, share timely news and provide other helpful information.

What else should I know about my membership?

Though no further action is required, here are some things we highly recommend:

  • Activate your Member Portal account. You can add a person to your membership, change your contact info, download your digital membership cards, make one-time gift payments, set up and manage recurring gift payments, submit medical bills for sharing, and access tools to help you share CHM with friends and family. (When activating your free portal account, your portal access code can be found under your CHM member number on your monthly billing statement.)
  • Read Heartfelt Magazine. You’ll receive Heartfelt at the beginning of each month. Please read it carefully; it contains helpful information about being a member, ministry news, member testimonies, advice for healthy living and more.
  • Make sure you’re on the right program and part of Brother’s Keeper. The Gold level offers considerably more services than Silver or Bronze, and adding Brother’s Keeper means more sharing assistance for you when medical bills exceed $125,000 per illness.
  • Engage with other members on our social channels. Be encouraged through prayer, testimonies, and other helpful content on CHM’s social media channels. Look for us @iheartchm.
Make the most of your membership

Did you know there’s ways to save and get even more out of your membership? It’s true!

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