Christian Healthcare Ministries (CHM) is a faith-based alternative to health insurance where members share the burden of medical expenses, providing a biblical and communal approach to managing healthcare costs.
Features
No network restrictions
Members have the freedom to choose any healthcare provider without being limited by network constraints.
Cost Sharing
Members share 100% of eligible medical expenses, organizing voluntary contributions to cover medical costs collectively.
Anytime enrollment
Allows members to enroll at any time, without being restricted by specific enrollment periods.
Programs for every stage of life
Offers flexible healthcare programs tailored for different ages and life stages to meet the diverse needs of members.
No application or annual membership fees
Members can join CHM without incurring additional application or membership fees, making it a cost-effective option.
Independently accredited
CHM is recognized as an independently accredited and federally certified healthcare cost sharing option.
Access to high-quality providers
Get connected with healthcare providers who meet high standards for your specific medical needs, ensuring quality care.
No itemized billing
Members do not have to worry about submitting detailed bills or waiting for payment, simplifying their healthcare process.
$1,250 Credit
Receive a $1,250 credit toward your Personal Responsibility amount annually when you undergo qualifying procedures.
Fast-tracked care with travel accommodations
Ensure your medical procedures are handled swiftly with necessary travel arrangements made for your convenience.
Not using insurance agents
CHM doesn't employ insurance agents or third-party vendors for member recruitment to ensure a direct and voluntary cost sharing approach.
Membership cost policy
Membership costs are consistent for everyone, unaffected by age or health status, offering a fair approach to all members.
Pre-existing conditions provisions
Provides special provisions for pre-existing conditions, allowing comprehensive member support.
Annual financial audits
Adheres to financial best practices by conducting annual audits by independent accounting firms, ensuring financial transparency and accountability.