CHM and Medicare

Many members use CHM as a Medicare supplement. If you’re eligible for Medicare, you must have parts A and B in order to join CHM. If you’re Medicare age but choose not to participate in Medicare, CHM can only share the amount of your eligible medical bills that Medicare would not have paid.

Medicare-eligible CHM members participate in one of the ministry’s cost-sharing programs (Gold, Silver, or Bronze). Whichever program you choose, Christian Healthcare Ministries is always secondary to other payment sources, which means financial provision through Medicare must be exhausted before CHM members can share your medical bills.

Out-of-pocket expenses: The amount Medicare pays for any eligible medical incident applies toward your personal responsibility amount (Silver: $1,000 per incident; Bronze: $5,000 per incident).

Gold Program

Gold level membership does not include expenses from routine doctor visits, maintenance prescriptions or medical treatment below $500 retail (before any discounts are applied). To learn what types of expenses are eligible for sharing at the Gold level, visit our programs page.

Silver and Bronze programs

Silver and Bronze do not include expenses from any doctor visits, prescriptions or hospital treatment below $1,000 retail (Silver) or $5,000 retail (Bronze). To learn what types of expenses are eligible for sharing at the Silver and Bronze levels, visit our programs page.

CHM and Medicare Frequently Asked Questions
  • What is Medicare and who is eligible?
  • What are Medicare Parts A and B?
  • What are the differences between Medicare and a Medicare Advantage Plan (Part C)?
  • How does Medicare Part C relate to CHM?
  • Should I join Medicare Part D for prescriptions?
  • Where can I get more information about Medicare?
  • Is it common to use CHM as a Medicare supplement?
  • Why should I be a CHM member while I’m on Medicare?
  • Why do I have to go on Medicare? Why can’t I join or continue with CHM only?
  • Will CHM ever create a program specifically for people on Medicare?
  • What CHM program works best with Medicare?
  • If I have both Medicare and CHM, what happens when I incur medical bills?
  • What about Personal Responsibility and out-of-pocket costs?
  • Does CHM share bills for nursing home or travel expenses?
  • Will CHM help with my medical costs if I’m away from home?
  • What happens if I receive treatment from a doctor or hospital that doesn’t accept Medicare?
  • Do Bring-a-Friend credits still apply if I have both Medicare and CHM?
  • When should I let CHM know I’m dropping because of Medicare?