Take charge of your healthcare with CHM.

If you don’t love how your health insurance works, maybe it’s time to leave traditional health insurance behind. Christian Healthcare Ministries (CHM) is an alternative that empowers you to take charge of your healthcare with savings, freedom, and flexibility.

Fill out the form to see what it looks like to join our family of believers. Together, we’ve satisfied over $11 billion in members’ eligible healthcare costs—and counting!

Discover the difference!

Complete the form to learn more about pricing information and other exclusive benefits of joining the CHM community!

CHM is the alternative to insurance that gives you freedom over your healthcare decisions.

40+ years of compassionate and faithful service

A federally certified healthcare cost option

No healthcare provider network restrictions

We’re not insurance.

We’re the alternative that believes you should decide what works best.

With CHM, you’ll have peace of mind knowing that 100% of eligible medical bills are reimbursed according to the CHM Guidelines. Plus, experience budget-friendly programs with perks!

For example, if the doctor you wanted isn’t in your network, maybe you shouldn’t have a network at all! With CHM, that’s reality. No network restrictions, cost-saving solutions, free anytime telemedicine, and more are at your fingertips.

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BE EMPOWERED TO TAKE CHARGE with CHM.

Flexible healthcare that’s designed with you in mind.

Step 1

You have the freedom to choose quality care and be eligible for a self-pay discount—no network needed!

Step 2

Submit eligible bills by answering a few simple questions on the Member Portal and uploading your medical bills.

Step 3

Receive your funds. Your CHM family takes care of your eligible medical bills. It’s that easy!

Choose one of our programs

Explore our programs, CHM Gold, CHM Silver, CHM Bronze, or CHM SeniorShare™, and add the optional CHM Plus program to protect against catastrophic medical bills. Christian Healthcare Ministries also has group program options for employers.

Per unit, per month

$255

$148

$98

$115

Minimum amount to qualify per incident/illness

$1,250

$3,000

$6,000

$500

Lifetime maximum per illness without CHM Plus*

$125,000

Telemedicine services at no additional cost

Inpatient and outpatient hospital incidents & surgery

Maternity care (including prenatal, home or hospital birth, postnatal, and infant wellness visits for 90 days)

Physical therapy & home healthcare (up to 45 visits per injury/sickness)

Incident-related doctor’s office visits & prescriptions

*As long as all other Guidelines are met. All programs have an illness cap of $125,000 per illness unless adjusted by the CHM Plus add-on option.

For Maryland residents only: Learn additional information regarding CHM membership. Learn More