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CHM has two programs to share pre-existing conditions: Gold Schedule and Prayer Page. Here’s what you need to know about CHM and medical bill sharing for pre-existing conditions:
Gold level members can receive assistance with medical bills for maintained pre-existing conditions according to the following schedule:
After the third year of membership, the condition is no longer considered pre-existing.
Eligible medical expenses incurred during the first three years of membership that exceed the schedule limits for Gold members will be considered for sharing on CHM's Prayer Page.
If you are a Gold level member with a maintained pre-existing condition and your medical bills exceed the Gold Schedule limits—or if you're a Silver or Bronze member—the excess amount may be eligible to appear on the ministry’s Prayer Page, which is published in CHM's monthly Heartfelt Magazine. Members give CHM permission to include their names, addresses, summary of their condition, and current donation amounts.
All CHM members are invited and encouraged to give to Prayer Page needs (above regular monthly gifts) as they feel led. Prayer Page donations sent to the CHM office qualify as tax-deductible charitable contributions.
This portion of our ministry is an amazing testimony to the power of the Holy Spirit to change people’s hearts. In 2020, CHM members donated over $6 million to one another’s medical bills.
This information also appears in the CHM Guidelines Z and AA
Definition: A pre-existing condition is any medical condition for which you experience signs, symptoms, testing or treatment before joining Christian Healthcare Ministries (CHM), even if you have not been diagnosed.
Active vs. maintenance: We distinguish between pre-existing conditions in “active” treatment and “maintenance” treatment. Medical bills cannot be shared if, at the time you join CHM, the bills are for pre-existing conditions that are actively undergoing treatment other than with maintenance (routine) medications. After the incident is over and your doctor states that you are on a maintenance treatment regimen, bills for any new incident related to the pre-existing illness are eligible for sharing according to the information below.
Schedule: If these criteria are met, Gold level members can receive assistance with medical bills for pre-existing conditions according to the following schedule:
Prayer Page: Bills exceeding the three-year schedule listed above may be eligible to appear on the ministry’s Prayer Page printed in the monthly Heartfelt Magazine. All CHM members are invited and encouraged to give to Prayer Page needs (above regular monthly gifts) as they feel led. Members’ names, addresses, medical need explanation and gift updates are included on the page. Prayer Page contributions are tax-deductible, unlike CHM regular program monthly financial gifts. To learn more about the Prayer Page, call 1-800-791-6225 (ask for the Prayer Page) or send us a message.
Maternity: If a member joins CHM while she is pregnant, bills for that pregnancy cannot be shared through the regular CHM sharing program or through the Prayer Page. Members must have a due date for delivery at least 300 days after joining CHM for bills to be eligible for sharing. Please note: Our Gold program offers a generous maternity program. Silver and Bronze exclude most maternity costs. To learn more about maternity, visit our maternity page.