- How it works
- Member resources
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Christian Healthcare Ministries (CHM) is a Bible-based, voluntary medical cost sharing ministry. CHM members have shared more than $3.5 billion in medical costs.
CHM is an eligible option for individuals under the U.S. Patient Protection and Affordable Care Act (PPACA). This information can be found under 26 U.S.C. §5000A(d)(2)(B)(ii); p. 128.
CHM has worked with more than 100,000 healthcare providers. CHM members may receive treatment from any facility or physician that meets accepted standards of care as long as the treatment is within CHM Guidelines.
You don’t need to seek approval or permission from CHM to treat your patient. All medical decisions are made by the doctor and the patient.
Your patient’s membership in CHM means less paperwork for you (patients should be billed directly) and fewer overhead costs because you don’t need the services of a billing specialist.
The only item our member needs from you is either an itemized medical bill or a standardized billing form (CMS-1450, UB-04, CMS-1500 or HCFA-1500). Please note that itemized bills must include the following information:
Members are self-pay patients that we ask receive consideration in pricing and discounts.
Christian Healthcare Ministries is secondary to other potential payment sources, after which bills are presented for sharing to the CHM membership. This process can take up to 120 days but may be considerably shorter if you offer a significant discount. Authorization for medical bill sharing is determined by CHM Guidelines. Provider references are available. Please bill patients directly (see above for billing requirements).
We encourage our member—your patient—to follow these steps:
• Explain to you that he or she is self-pay and should be billed directly
• To ask for a "bundle" rate if treatment requires several services
• As early as possible, preferably before services are performed, discuss pricing and discounts; request a self-pay bill discount to receive the same consideration given to insurance patients. The larger the discount, the faster CHM and the patient can work together to pay the bill
• Ask you if there are financial assistance programs available for self-pay patients
• Set up an interim payment schedule to demonstrate your patient's desire and ability to pay
• To pay you promptly once the patient has received the necessary funds from the CHM office.