Brother's Keeper


Change beginning January 1, 2022
CHM’s Brother’s Keeper program will be billed monthly rather than quarterly at a rate of $20 per unit.

CHM's catastrophic bills program

Brother’s Keeper is your safeguard against catastrophic illness or injury. Brother’s Keeper is a low-cost, Bible-inspired program enabling CHM members to meet medical bills that exceed the $125,000 limit per illness specified in the CHM Guidelines.

Gold level members: Signing up for Brother’s Keeper provides unlimited cost support per illness (diagnosis).

Silver and Bronze members: Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, participants receive an additional $100,000 of assistance, up to $1 million per illness.

For medical needs exceeding $125,000, Brother’s Keeper members send a quarterly designated gift amount (average* amount: $45 per membership unit; see our cost calculator) to the CHM office, where it is deposited in an audited Member Sharing Account. There is also a $40 annual, nonrefundable fee per membership.

Members must be enrolled in Brother's Keeper prior to experiencing any signs, symptoms, testing or treatment for sharing of bills over $125,000. Please note, however, that there is no Brother's Keeper sharing for congenital conditions or birth defects. Please also see CHM Guidelines Z and AA for information about pre-existing conditions. To join Brother’s Keeper, check the box on the CHM Member Application. If you are already a CHM member and want to join Brother's Keeper, please call our Member Services department at 1-800-791-6225, ext. 5993.

*Please note: Brother’s Keeper operates differently than the Gold, Silver or Bronze programs. Quarterly amounts are calculated by taking the total dollar amount of medical bills eligible for Brother’s Keeper sharing and dividing by the number of Brother’s Keeper participants. This is why CHM recommends budgeting an average amount of $45 per membership unit, per quarter.

Read More: How CHM will take care of you

BK sharing limits

What CHM members say

Seven weeks early—watch Amanda’s story of premature birth and CHM members’ faithfulness

At 32 weeks, Amanda Burton’s water broke. With one thought racing through her mind—it’s too early!—she rushed to the hospital. After a week-long hospital stay and the baby’s 10 days in intensive care, the bills piled up around her. She was confident that her fellow CHM members would take care of her—and they did.

Miraculous holiday healing

Sonya Lewis-Picon had no idea how sick she was. What she though was a normal cold or flu brought her a medically-induced coma with a machine breathing for her and a 30 percent chance of surviving. See how God worked a miracle in Sonya's life!

Defeating cancer: a child's fight against leukemia

Not long after their two-week-old son passed away, the Standring family learned that their two-year-old daughter, Mazy, had leukemia. They tell their story of God's faithfulness through CHM members sharing over $400,000 in cancer treatment costs!

A doctor's perspective on CHM

Dr. Ryan and his wife, Jonna, built The Physician’s Practice from the ground up. Then, the unexpected happened: Jonna was diagnosed with ovarian cancer. Learn a doctor’s thoughts on CHM and see how CHM members shared over $180,000 in cancer medical bills for Jonna.

30 years of CHM membership: What we learned

Over the 30 years the Dobraskas have been CHM members, they have faced a multitude of injuries and illnesses. Hear the Dobraskas’ tell their story of CHM’s faithfulness and over $150,000 in shared medical bills.

"Less than a year to live"

Barb and her husband, Brian, share their journey of stage four liver cancerkand express their gratitude for CHM members sharing about $150,000 after nearly $150,000 in discounts.

With God, "it's a beautiful masterpiece"

CHM staff member Dreama Whitlow walks through her cancer journey, reflects on what she learned, and shares how CHM members shared her medical bills totaling more than $180,000.

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