CHM members are free to choose their own healthcare providers, take advantage of our preferred CHM providers (who give unique discounts to CHM members), or use a provider we’ve helped you select for certain medical events (maternity or non-emergency surgical procedures). Our CHM Care Solutions offer specialized care components to help you navigate your healthcare journey, often leading to savings, superior treatment and peace of mind. For example, you can also use HealthTap providers through our Virtual Care Solution for your primary or urgent care needs.

Whether you choose to use a provider CHM recommends or another provider, we can give you the tools to effectively communicate with your provider about your medical bills.

3 tips for talking to your doctor

These principles can go a long way when communicating with your healthcare provider and establishing a relationship with them.

1. Open communication: Be clear and upfront about your billing status and how you intend to pay your bills.
2. Proactive approach: Ask upfront for itemized bills and about discounts that are available to you. Ask questions to aid your understanding of their billing process.
3. Owning the “stewardship” responsibility that all Christians share: Be diligent to negotiate fair pricing with your providers and be quick to pay them fully for services they’ve rendered.

Communication in healthcare

As you follow these steps, you’ll be on your way to building an effective, professional relationship with your healthcare provider.

Being a self-pay, uninsured patient gives you the perks, flexibility, and opportunity to make the best decisions for your medical care. It’s another great advantage of being a part of the CHM family.

Being engaged in your healthcare decisions makes all the difference. The more you talk with your providers, the more you’ll be equipped to navigate the marketplace with ease. Plus, remember that the CHM staff is standing by, ready and willing to help along the way!

Ready to grow your family?

We want this experience to be full of joy and excitement as you welcome a new life into the world! Ready to dive into our maternity solution?

If you’re a member, call us within the first 16 weeks of pregnancy so we can:

• Take $500 off your Personal Responsibility
• Connect you to the best care in your area
• Offer prayer, spiritual support, and Christian community

Please note: You must have joined CHM at least 300 days before the estimated delivery date. Please see the CHM Guidelines for more information.

Please call 1-800-791-6225 and select the maternity line to get started! Or learn more about the maternity sharing process here.

More about our maternity solution

Below is additional information about our maternity solution. Download our free Maternity Guide to learn more about how CHM supports you during this exciting stage of life.

Is CHM’s Maternity Care Solution available on all programs?

Yes. The maternity event will be shared according to the member’s program participation 300 days prior to their expected due date, as verified by a medical professional.

Eligible maternity events must satisfy the following maternity Personal Responsibility amounts before any reimbursement funds can be distributed:

• CHM Gold—$2,500
• CHM Silver—$5,000
• CHM Bronze—$9,000

For more information about maternity Personal Responsibility and switching programs with respect to your maternity event, see the CHM Guidelines.

What’s eligible under the maternity solution?

CHM shares qualifying medical bills for prenatal care, delivery (including cesarean and multiple births), home births, midwives, postnatal care, and complications that arise for mother and baby.

For prenatal care, CHM shares:

• routine office visits
• lab tests
• maternity-related prescriptions and immunizations
• three ultrasounds

For delivery, CHM shares costs associated with:

• facility labor and delivery
• physician labor and delivery
• anesthesiology services
• complications that arise for mother and baby

Note: CHM shares expenses from either a midwife or a physician, not both. (For an exception, see CHM’s maternity Guidelines.) We cannot share expenses from more than one midwife.

For postnatal care, CHM shares:

• mother’s postpartum check-ups
• lactation consultations
• postpartum depression treatment
• wellness visits, circumcision, and tongue tie for baby*

For a list of ineligible maternity expenses, please refer to CHM’s maternity Guidelines

*See maternity Guidelines for more information on baby’s eligibility under mother’s membership unit.

What can I expect after submitting my maternity incident?

Once CHM receives all the necessary paperwork and invoices, we’ll review the bills to make sure they’re properly itemized and eligible according to CHM Guidelines. Once CHM issues your reimbursement check, you’re responsible to promptly pay your healthcare provider.

Documents required for sharing include:

• your prepayment agreement/global fee
• Medical Information Release and Patient Delegation Form
• Maternity Verification Form
• itemized bills for services not included in your prepayment agreement

Failure to submit the necessary documents can result in sharing delays. We recommend uploading via the Member Portal, as all the necessary forms are fillable directly from the Portal.

Please note: CHM will process your prepayment agreement near the 30th week of pregnancy. We ask that you plan on checks going out around that time.

A prepayment agreement for facility charges must include the length of the hospital stay and whether or not the baby’s facility charges are included.

 

What is a prepayment agreement/global fee?

Your physician or midwife may provide you with a prepayment agreement/ global fee. This usually includes:

• prenatal appointment
• physician/midwife delivery charges
• postpartum appointments (for mom)

In order to process your prepayment agreement, it must include:

• provider information
• patient name
• a list of all services included in the fee
• total fee for services
• the payment due date or payment plan details

You’ll need to obtain itemized bills for any medical services performed outside of the global fee. Charges outside of the global fee typically include:

• lab work
• ultrasounds
• additional appointments
• hospital/ER visits

Note: Some prepayment agreements/global fees include lab work and ultrasounds. Please review your agreement before sending in itemized bills.

What’s the difference between a prepayment and an estimate?

An estimate is a ballpark figure that’s subject to change.

A prepayment agreement is an agreed-upon price that stays the same as long as the conditions of the agreement are met.

While prepayment agreements are preferable, if you receive an estimate, please submit it so our team can work with you and your provider to receive additional information.

If you need assistance obtaining a prepayment agreement, please contact the Maternity Care Team at 1-800-791-6225.

Does CHM reimburse facility/hospital prepayment agreements?

Our Maternity Care Team (MCT) wants to help our members receive bundled facility flat rates. Please contact the MST at 1-800-791-6225 for assistance finding flat rates available in your area.

Facility/hospital prepayment agreements (or flat rates) must include:

• the patient’s name
• provider or place of service
• CPT codes or descriptions of services
• the total charge for each service
• length of your hospital stay
• whether newborn charges are included
• due date of the prepayment agreement

Anesthesiology charges are eligible for sharing, but CHM cannot share these expenses prior to the birth. You’ll need to pay these charges out of pocket if your provider requires payment before delivery. You can upload the estimated bill into the CHM Member Portal prior to delivery, then submit the actual bill after the birth. Following this suggestion will significantly shorten sharing time.

Note: You may receive additional medical bills for your baby’s after-delivery hospital care, such as lab work, hearing tests, pediatrician visits, etc. You can submit the itemized bills as “maternity add-on” bills.

Is genetic testing eligible for sharing?

Genetic testing may be eligible for sharing if:

1. It’s non-invasive and required to determine treatment for a current medical condition.
2. Medical records or healthcare provider notes are provided for verification.

Note: An amniocentesis may be considered for sharing when medical records confirm that the procedure is necessary to determine life-preserving medical care for the baby and/or mother.

Are medical bills for congenital conditions eligible for sharing?

For members whose birth was shared through CHM’s maternity program, CHM shares up to $200,000 for medical bills related to their congenital condition if the following conditions are met:

1. For a dependent child, the child’s mother must be a CHM Gold member with an account in good standing and must remain a CHM Gold member until $200,000 is shared.
2. The individual who incurred the bills has continuously been a CHM Gold member (no interruptions in membership) since birth or adoption.

For CHM Silver and CHM Bronze members, or CHM Gold members who don’t meet the above requirements, you can submit expenses for congenital conditions for sharing with a maximum total of $25,000 per illness.

Note: Babies with a congenital birth defect must transition immediately from their mother’s membership unit to their own unit.

For more information, please reference the CHM Guidelines.

How does CHM spiritually support members?

We believe supporting each other spiritually is as important as the financial support members receive. Our Maternity Care Team will pray for you, provide you with spiritual resources, and encourage you to participate in a community with each other.

CHM members lift each other up in prayer through the Prayer Wall, located on the Member Portal. See prayer requests submitted by your fellow CHM members, and submit prayer requests of your own so your CHM family can pray for you, too.

Through Prayers Unceasing, included in your Monthly Contribution Form, members have the opportunity to reach out to each other through prayer, cards, and notes of encouragement. By visiting us every Wednesday on social media, you can join members across the country in praying for one another.

CHM staff also pray daily for members, especially those who have submitted prayer requests by mail, email, or phone. Staff members are dedicated prayer warriors available to pray with you over the phone at your request.

Medical costs are stressful enough without having to navigate a complicated system. Christian Healthcare Ministries (CHM) offers a different approach.

Health cost sharing is not a new idea. Christians have been bearing one another’s burdens for generations [Galatians 6:2]. Christian Healthcare Ministries was founded on that principle, bringing believers together to share one another’s eligible medical expenses.

Members support one another through a simple, transparent process. This guide provides a quick overview of how CHM works and what members can expect.

How health cost sharing works at CHM

The process follows three simple steps:

1. You choose the program that best fits your needs and send your monthly contribution. These contributions help meet eligible medical bills for fellow members.
2. When you have an eligible medical need, you submit your bills to CHM for review.
3. Eligible medical bills are shared based on the program you selected.

All sharing follows the CHM Guidelines, which are accessible to all members, so you always know what to expect.

Picking your CHM Program

CHM offers four main programs, each designed to meet you where you are: CHM Gold, CHM Silver, CHM Bronze, and CHM SeniorShare. CHM also offers additional solutions and perks to support members beyond the core programs.

Why CHM programs are easy to use:

• Every program follows the same process, so sharing works consistently no matter which option you choose.
• You choose your own healthcare provider. There are no networks to navigate, and you can often negotiate self-pay discounts directly with your provider.
• Monthly contributions stay the same each month, so you always know what to expect.

Ready to choose? Keep these tips in mind:

• Consider how frequently your family requires medical care. Households with higher usage often benefit from a more comprehensive program like CHM Gold.
• Consider your budget. CHM offers programs at various contribution levels, from the affordable CHM Bronze to the comprehensive sharing of CHM Gold.
• If you are 65 or older and on Medicare, CHM SeniorShare is designed specifically for you. It works alongside Medicare to help fill coverage gaps.

Still not sure? Use CHM’s Find Your Program tool to pick your perfect fit.

Soul care is the intentional practice of nurturing your relationship with God. It CHM members share a wide range of medical needs. Some of the most common include:

These shared needs reflect the everyday realities members face and the practical support CHM provides. With a few simple steps, the sharing process can stay smooth from start to finish.

3 tips to make sharing simple

Getting the most out of CHM starts with a few simple habits:

1. Ask your provider to bill you directly instead of paying up front at the time of treatment. If needed, you can request a payment plan to allow CHM time to complete the sharing process.
2. Mention your CHM membership at every appointment. Many providers will work with you on pricing when they know you’re a self-pay patient. Building that relationship early makes the process smooth.
3. Submit bills promptly through the CHM Member Portal. It is your main hub for uploading bills, tracking sharing requests, and staying up to date. Submit an itemized bill as soon as you receive it to keep everything moving.

The CHM Guidelines form the foundation for how health cost sharing works at CHM. They outline eligibility requirements, how to submit medical needs, and what members receive through sharing.

CHM makes the Guidelines available to both current and prospective members. Reviewing them before joining helps you understand the process and what to expect.

Health cost sharing made simple

Christian Healthcare Ministries provides a practical, faith-based approach to managing medical costs. Once you understand the basics, the process is clear and easy to follow.

Learn more about Christian Healthcare Ministries and explore the available programs by clicking here.

In my virtual primary care practice, I often see patients who come in with a variety of complaints—insomnia, chronic headaches, digestive issues, or just a general sense of being “unwell.” While we always investigate physical causes, more often than not, the trail leads back to a silent, pervasive orchestrator: stress.

Understanding stress isn’t just about “relaxing more.” It’s about understanding the biological machinery of your body and learning how to operate the controls.

What exactly is stress?

At its core, stress is a survival mechanism. It’s the body’s reaction to any change that requires an adjustment or response. When you perceive a threat—whether it’s a car swerving into your lane or an aggressive email from your boss—your body initiates the “fight-or-flight” response.

This process starts in the brain’s hypothalamus, which signals your adrenal glands to release a surge of hormones, primarily adrenaline and cortisol.

• Adrenaline: Increases your heart rate, elevates your blood pressure, and boosts energy supplies.
• Cortisol: The primary stress hormone, which increases sugars (glucose) in the bloodstream and enhances your brain’s use of glucose.

This system is magnificent for protection. However, the modern world triggers this high-intensity response for non-life-threatening situations, and many of us never “turn it off.”

How stress manifests: The body’s alarm system

Stress doesn’t just stay in your head; it speaks through your body. Because the stress response affects almost every biological system, the symptoms are incredibly diverse:

• Physical: Tension headaches, muscle pain (especially in the neck and shoulders), chest pain, rapid heartbeat, and frequent colds due to a suppressed immune system.
• Emotional: Irritability, anxiety, feeling overwhelmed, or a lack of motivation.
• Cognitive: Racing thoughts, constant worrying, “brain fog,” and poor judgment.
• Behavioral: Changes in appetite (eating too much or too little), procrastinating, or using negative coping mechanisms.

The domino effect: What chronic stress leads to

When the “fight-or-flight” system stays activated for days or months, it leads to chronic stress, which is a primary underlying driver for several serious health conditions:

1. Cardiovascular disease: Constant high blood pressure and heart rate can damage arteries.
2. Metabolic issues: Cortisol increases cravings for “comfort foods,” leading to weight gain and potentially Type 2 diabetes.
3. Gastrointestinal disorders: Stress can exacerbate GERD (acid reflux), IBS, and stomach ulcers.
4. Mental health disorders: Long-term exposure to stress hormones is a major risk factor for clinical depression and anxiety disorders.

Managing the storm: Daily habits and routines

To manage stress, we must focus on down-regulating the nervous system. Think of it as bleeding off the pressure from a steam engine.

1. The power of “micro-rest”

You don’t need a week in the tropics to reset. Implementing “micro-rests” throughout the day can prevent stress from compounding.

• The 90-Minute Rule: Our brains work in ultradian rhythms. Every 90 minutes, take 5 minutes to step away from your screen, stretch, or simply stare out a window.

2. Nutritional resilience

Stress depletes B vitamins and magnesium. Focus on a “stress-busting” diet:

• Complex carbohydrates: Oatmeal and whole grains prompt the brain to produce serotonin.
• Fatty fish: Omega-3s can prevent surges in stress hormones.
• Hydration: Even mild dehydration increases cortisol levels.

3. Sleep hygiene

Sleep is when your brain “cleans” itself of metabolic waste. High cortisol makes it hard to fall asleep, and lack of sleep raises cortisol—it’s a vicious cycle. Aim for a “cool, dark, and tech-free” bedroom.

Inventive ways to cope and prevent

Beyond the standard advice, I encourage my patients to try “system interrupts”:

• The “temperature reset”: If you feel a panic spike, splash ice-cold water on your face or hold an ice cube. This triggers the mammalian dive reflex, which naturally slows the heart rate.
• Box breathing: Breathe in for 4 seconds, hold for 4, exhale for 4, and hold for 4. This is a manual override for your autonomic nervous system.
• Cognitive reframing: Instead of saying “I am stressed,” try saying “I am experiencing a high-energy state.” Reframing the physiological arousal as “readiness” rather than “fear” can change how your body processes the hormones.

When to reach out to your doctor

Self-management is vital, but it has its limits. You should schedule an appointment with your primary care physician if:

• Stress is interfering with your ability to work or maintain relationships.
• You are experiencing physical symptoms like chest pain or chronic digestive issues.
• You feel a sense of hopelessness or are using negative behaviors to cope.

How we can help

A doctor is your partner in your journey to well-being. When you come to us for stress, we don’t just “hand out pills.” We provide:

• Diagnostic screening: To ensure your symptoms aren’t caused by something else, like a thyroid imbalance or vitamin deficiency.
• Referrals: We can connect you with specialized therapists or nutritional counselors.
• Pharmacotherapy: If lifestyle changes aren’t enough, we can discuss short-term or long-term medications to help balance your brain chemistry while you work on other management strategies.
• Actionable monitoring: We can track your blood pressure and markers of inflammation to see how your stress management is physically improving your health.

Stress is an inevitable part of being alive, but it does not have to be the pilot of your life. By understanding that stress is a physical process, you can use physical and mental tools to manage it. You are not “weak” for feeling stressed; you are simply human, reacting to a high-pressure world. Start small. Choose one habit—perhaps just five minutes of breathing or a consistent bedtime—and build from there. If you’re ready to take the first step, schedule an appointment with your HealthTap primary care physician for an evaluation. Virtual visits are included as part of CHM membership! Start today by clicking here, or visit www.healthtap.com/for/chm/.

Editor’s note: It’s important to note that any associated lab, testing, or treatment costs with HealthTap are not included, however, eligible bills can be submitted to CHM for sharing per your program as outlined in the CHM Guidelines. Please refer to the CHM Guidelines and applicable web pages for the most up-to-date information regarding sharing eligibility, CHM membership, and ministry news.

Despair. Depression. Doubt. Defeat. Darkness.

These are the “dragons” we face.

When these attacks of the enemy strike, we’re naturally equipped for battle, right? We always brandish our “swords” with fervent hearts and Christ-centered spirits, never frightened or shaken by the enemy.

If only this were true.

Instead, we often find ourselves struggling to stand—let alone fight back—against the lies of the enemy. It might be one small pesky dragon that continually nips at our heels and wears us down. Or perhaps there are many gigantic dragons, rearing their heads and filling our minds with fire and fog so thick we can’t find a path forward.

Either way, fighting a “dragon” requires confidence, courage, and tenacity. After all, there’s a reason why “Slay a Dragon Day” falls within the National Month of Hope. For without hope, we find ourselves stressed, worn, and weary:

“Hope deferred makes the heart sick, but a longing fulfilled is a tree of life.” [Proverbs 13:12, NIV]

Hope is what our soul craves.

Definition of hope

Finding hope in a world so void of faith often feels futile. It’s not a quest for the fainthearted, it’s true.

But here’s the good news: hope in the Bible isn’t about “making wishes” and expecting them to magically appear. It isn’t about putting our faith in fanciful dreams or living in a state of constant yearning for our “maybe someday” moment to finally show up.

Biblical hope is based on something far greater.

“May the God of hope fill you with all joy and peace as you trust in him, so that you may overflow with hope by the power of the Holy Spirit.” [Romans 15:13, NIV]

“We have this hope as an anchor for the soul, firm and secure. It enters the inner sanctuary behind the curtain, where our forerunner, Jesus, has entered on our behalf. He has become a high priest forever, in the order of Melchizedek.” [Hebrews 6:19-20, NIV]

As defined in scripture, hope is found in the person of Christ. He is our high priest, seated at the right hand of the Father, working out goodness in our lives on our behalf:

“Who then is the one who condemns? No one. Christ Jesus who died—more than that, who was raised to life—is at the right hand of God and is also interceding for us.” [Romans 8:24, NIV]

Hope means having a confident expectation of good. It means putting our hope in Christ, and His goodness, despite the times when the dragon of despair rears its ugly head.

It’s easier said than done, but when we redefine what hope means to our hearts, we can trade feeling hopeless for feeling hopeful.  We can tread upon the dragons out to defeat us [Psalm 91:13].

George and the dragon

There are many “dragon legends” across history and culture, but one of the most prominent is that of “George and the dragon” from medieval literature.

So the tale is told, George, a brave knight, sets out to save a kingdom from a terrible fire-breathing dragon. This dragon has been terrorizing the kingdom, demanding sacrifices and killing the villagers. In fact, the situation eventually reaches such a heightened state of evil that the dragon decides to capture the princess herself! However, just when all seems lost, George arrives and slays the dragon with his spear. By doing so, he frees the village from the bondage of the dragon’s darkness.

This legend highlights the battle of good versus evil, reminding us that light and hope will always win in the end. However, as believers, we have more power than George’s skills, spear, and steadfast heart combined.

We can fight our dragons with the hope of Christ, pushing back the darkness of despair and “slaying” the enemy forces that suffocate our souls.

Words of hope

Even when we’re feeling hopeless, we can take heart and root our spirits in God’s promises.

Here’s what’s true – we never go into battle alone. Jesus walks through the valleys with us, guiding us and shepherding our souls [Psalm 23]. What’s more, we’re armed with the “sword of the Spirit”, which is the Word of God [Ephesians 6:17]. When we speak words of hope into the darkness, we reflect the light of the Lord. When we call on His name, we can set our confidence on things above, knowing that His name is above every other name [Philippians 2:9-11]. He reigns above it all – hallelujah!

This doesn’t mean that we won’t face deep despair, discouragement, or depression. It doesn’t mean that we won’t fall short or take the wrong path. It doesn’t mean we won’t stumble and fall, bruising our hearts in the process. It doesn’t mean that we won’t give up sometimes, letting the dragons gain more ground over our minds.

This is okay, because even then, especially then, Bible verses about hope remind us that despair doesn’t win. God reminds us that we are still His beloved children.

The dragons may roar. The flames of fear may burn bright. The smoke of shame may seem stifling. But God will fight for you – you only need to be still [Exodus 14:14].

“What if hope’s not a rope you hold onto.
What if it’s the arms that have always held you.
On the edge when it feels like you’re not gonna pull through
Is the place you discover that hope’s gonna find you.” -Ellie Holcomb, Hope’s Gonna Find You

Embracing the adventure of living with Christ means embracing all the parts of our lives. Yes, that includes the dragons, too.

Despair. Depression. Doubt. Defeat. Darkness.

These are the “dragons” we face.

But what is life, if to not to confront and slay our dragons with Christ so we can serve His kingdom?

After all, as author J.R.R. Tolkien writes:

“It simply isn’t an adventure worth telling if there aren’t any dragons.”

Every year on World Health Day (April 7), people around the globe pause to reflect on a simple but powerful idea: healthcare should be accessible.

For millions of families, however, that ideal still feels far out of reach. In the United States, the cost of healthcare has become a source of fear, stress, and uncertainty. During the most recent presidential cycle, surveys consistently showed that catastrophic healthcare costs ranked as the number one concern on the minds of American voters.

We understand this concern is not theoretical—it’s deeply personal. CHM is designed to help Christians gain access to the healthcare they need without being crushed by financial burdens. Over the years, CHM has helped hundreds of thousands of Christians receive care that might otherwise have been delayed, denied, or financially devastating.

By bringing Christians together, we create a community where members help carry one another through times of medical need. Scripture calls us to fulfill the law of Christ through carrying each other’s burdens [Galatians 6:2]. CHM is a living expression of that calling.

Access to care, however, is about more than paying medical bills. It also means being able to get care when it’s needed. One of the most important ways CHM supports members is by providing virtual primary care and urgent care visits through HealthTap—CHM’s Virtual Care Solution. For many members, this has been a gamechanger. Instead of waiting weeks for an appointment or hesitating because of cost or inconvenience, members can connect quickly with a qualified clinician for common medical concerns, guidance, and reassurance. Early access often prevents small problems from becoming larger, more expensive ones—and it gives members peace of mind knowing help is just a tap away.

A third and equally critical way CHM improves access to high-quality care is through our other medical support teams, also known as our Care Solutions. These include Maternity Care Solution, Complete Surgical Care Solution, and Cancer Care Solution. Each of these solutions are designed and staffed with a clear goal: to help members receive excellent, accessible medical care while avoiding unnecessary cost, confusion, and delay.

Our Care Solutions have already saved CHM members millions of dollars in aggregate healthcare costs, but the financial impact tells only part of the story. Through these solutions, members are connected with high-quality physicians, surgeons, hospitals, and treatment centers—often leaders in their fields. Good outcomes are not accidental; they are the result of thoughtful coordination and informed decision-making.

Central to the success of these Care Solutions are our contract nurse navigators. These dedicated professionals work closely with members and care teams, helping guide individuals through complex medical situations. A cancer diagnosis, a planned surgery, or a complicated pregnancy can feel overwhelming. Nurse navigators help members understand treatment options, coordinate care, gather medical records, and stay focused on the best path forward.

On World Health Day, it’s worth reflecting on what access to care truly means. It means care without fear. Care without financial ruin. Care that respects both the dignity of the patient and the wisdom of stewardship. CHM exists to make that vision real— not through government mandates or insurance bureaucracy, but through a community of believers choosing to care for one another.

In a world where healthcare often feels broken and impersonal, CHM stands as a reminder that there is another way. When Christians come together in faith, responsibility, and compassion, access to meaningful healthcare without hardship is not just possible—it is already happening.

References

World Health Organization
https://www.who.int/campaigns/world-health-day

The alarm goes off. The exhaustion lingers. Your soul is tired in ways you didn’t know were possible. Your mind races through everything that needs to be done, so you drag yourself out of bed to begin a day you aren’t ready for.

Maybe this isn’t how you imagined motherhood would feel—moving through your days on autopilot and struggling to find joy in an ordinary morning. Yet even in seasons that feel heavy, your days still hold meaning.

I found myself in a season that took everything I had. The deep weariness wouldn’t lift. I felt lost and without purpose. I tried to push through and manage it on my own, but nothing worked. One day, I finally understood: I had lost my joy.

In the busyness of motherhood, I forgot to care for my soul. It wasn’t that God had left me, but somewhere along the way I had drifted from Him. In trying to carry everything myself, I had overlooked what I needed most: a reconnection with Jesus.

If you are a Christian mom feeling this deeply, you are not alone. Maternal burnout is real and well documented. Mothers consistently report higher rates of burnout than fathers, even when duties are shared. This is not a personal failure. It may be a sign that your soul needs care.

Jesus speaks directly to this moment:

“Come to me, all you who are weary and burdened, and I will give you rest. Take my yoke upon you and learn from me, for I am gentle and humble in heart, and you will find rest for your souls.” — Matthew 11:28–29 (NIV)

He is not asking you to fix yourself first. He is asking you to come to him.

Soul care is the intentional practice of nurturing your relationship with God. It creates time and space for connection, renewal, and reflection, especially when life feels busy or hard.

This does not have to be complicated or perfect. For Christian moms, soul care could look like:

• Whispering a prayer while washing dishes
• Playing worship music during the drive to and from school
• Listening to your Bible app read Scripture while folding laundry
• Sitting quietly for a few minutes before the chaos begins

It is not about perfection. It is about intention. Soul care meets you where you are, not where you think you should be.

“Be still, and know that I am God.” — Psalm 46:10 (NIV)

Daily devotions and spiritual life: where soul care begins

You carry a lot. Motherhood adds more. You’re used to multitasking, tending to everyone else’s needs, and keeping things moving. But your soul also needs attention. When you slow down long enough to rest with Jesus, it shapes how you carry the rest of your day.

Daily devotions don’t have to be long. Even brief moments with God can quiet the noise inside you. Research suggests that regular spiritual practices—such as prayer, Scripture reading, and worship—are associated with lower anxiety and improved overall well-being. Studies on spirituality and mental health also show that a steady faith life is linked to emotional resilience.

Some practical starting points:

• Choose one psalm or proverb to read each morning
• Keep a small journal for one-sentence prayers
• Use a daily devotion on your Bible app so you can listen on the go
• Set a daily reminder to pause and pray

Scripture reminds us that strength in motherhood isn’t about doing more or doing it flawlessly. Proverbs 31:25–26 reveals a steady assurance—strength that grows from trusting God, not from controlling every outcome. Soul care gently shifts the focus back to faith instead of performance.

Peace doesn’t come from having everything under control. It comes from trusting the One who does.

You were never meant to walk through motherhood alone

God created us for connection, and that need becomes clear in the beautiful, exhausting seasons of raising children.

Whether you’re an overwhelmed working mom and wife trying to hold everything together at the end of a long day or a stay-at-home mom who feels unseen in a busy house, you were not meant to carry this quietly by yourself. You need other Christian mothers, not to compete with, but to be honest with. To be seen and encouraged, even on the hard days.

A simple text from a friend who says she’s praying for you. Coffee with a mom who understands the chaos. A small group where no one pretends to have it all together. These aren’t extras. They are part of God’s love expressed through the people around you.

Research suggests that belonging to a faith-centered community is associated with lower feelings of isolation and greater resilience during stressful seasons. Scripture affirms this truth:

“And let us consider how we may spur one another on toward love and good deeds, not giving up meeting together… but encouraging one another.” — Hebrews 10:24–25 (NIV)

Other Christian moms feel what you feel—the exhaustion, the questions, the quiet longing for deeper peace. Allow someone to sit beside you in it, to pray with you, to remind you that you are seen and loved.

Returning to Joy

Joy isn’t found in your circumstances. It grows out of your relationship with Jesus. When you neglect your spiritual rhythms, joy can feel distant. The good news is you don’t have to change everything to find it again. It begins with small, consistent steps as you turn back toward Him.

Soul care and community are not luxuries. They are part of how God sustains you through every season. You have a God who walks with you and a biblical community that stands beside you.

Start with one thing. A whispered prayer. A single verse. A five-minute walk where you talk with God. Let that be enough for today. Then do it again tomorrow.

For Christian moms, caring for your soul isn’t selfish. It is part of staying rooted and present in everyday life.

References

Koenig, H.G. (2012). Religion, spirituality, and health: The research and clinical implications. ISRN Psychiatry. https://pmc.ncbi.nlm.nih.gov/articles/PMC3671693/

Lucchetti, G., Koenig, H.G., & Lucchetti, A.L.G. (2021). Spirituality, religiousness, and mental health: A review of the current scientific evidence. World Journal of Clinical Cases, 9(26), 7620–7631. https://pmc.ncbi.nlm.nih.gov/articles/PMC8462234/

Ren, X., Cai, Y., Wang, J., & Chen, O. (2024). A systematic review of parental burnout and related factors among parents. BMC Public Health, 24, 376. https://pmc.ncbi.nlm.nih.gov/articles/PMC10840230/

Health cost sharing has grown in popularity over the last few decades, especially among Christians looking for an alternative to traditional health insurance. Because of this, there are often misunderstandings about what it is and how it works.

At Christian Healthcare Ministries (CHM), we prioritize transparency about who we are and how we operate. Below, we’re tackling some of the most common myths we hear about health cost sharing to set the record straight.

Many don’t really know how health cost sharing works—creating suspicion about the approach in general. Anyone enrolling in CHM needs to fully understand our sharing process and requirements so they’re empowered throughout any bill submissions.

Since 1981, Christian Healthcare Ministries has satisfied 100% of all eligible medical bills. CHM follows clear, written Guidelines that define what kind of medical bills are qualified for sharing. Any bill that meets these requirements will be shared after a member’s Personal Responsibility (PR) amount has been met.

Our Guidelines are available before joining so you can determine if CHM is the right fit for your needs. These rules exist to protect our members and steward the ministry’s resources responsibly. Members can also reach out to CHM directly with questions regarding their bill submissions.

Every month, members contribute a fixed amount to the ministry that is used to satisfy the health expenses of fellow Christians. Reimbursing eligible bills has been and continues to be a time-honored tradition for over 40 years at CHM.

Myth 2: “Health cost sharing ministries are unreliable”

This myth is often spread by people who have been misled or hurt by disreputable health cost sharing organizations. Before joining any health insurance alternative, it’s always best to research the company thoroughly to make a wise decision.

CHM is the nation’s first and longest-serving health cost sharing ministry. Below are some of the ways we’ve established accountability and transparency as a ministry:

• Third-party independent accreditation through Demotech
• Better Business accredited charity since 2013
• Nationally endorsed by The Ramsey Show
• Yearly audits through an independent accounting firm

Likewise, our CHM Gold, CHM Silver, CHM Bronze, and CHM SeniorShare™ programs are also designed to be transparent and understandable. Things like monthly contributions, PR amounts, and sharing limits are all disclosed up front before joining.

Because many health cost sharing organizations abide by faith-based rules and ethics, they’ve often been misjudged by skeptics and critics alike. While thoroughly Christian, CHM does not belong to a specific denomination, church, or tradition that informs our rules for sharing.

Myth 4: “Health cost sharing only works for the young and healthy”

CHM welcomes members of all ages and health histories. While pre-existing conditions are handled differently than new medical issues, CHM offers helpful options for those in need. CHM Gold includes a scheduled sharing option for maintained pre-existing conditions, and CHM Give provides a way for members to receive support for eligible needs through voluntary donations from fellow members.

Programs like CHM SeniorShare™ are specifically designed for members age 65 and older to work alongside Medicare. Because Medicare only pays for 80% of medical bill costs, SeniorShare™ takes care of the remaining 20%; saving retirees lots of money in the long run.

For larger or more complex medical needs, CHM has a Complete Surgical Care Solution which helps members find quality surgeons, secure major discounts, and arrange any needed travel accommodations.

CHM also offers a Cancer Care Solution. It’s designed to simplify the treatment process, offer spiritual encouragement, save money, and get you the right care with the right provider. This makes health cost sharing an option not just for the young or those with a clean bill of health.

Myth 5: “Health cost sharing ministries can’t help you with prescriptions”

CHM shares eligible, incident-related prescription medications according to program Guidelines. While the initial eligible 90-day prescription supply can be shared for, members also have access to CHM’s Prescription Care Solution after the first 90 days. This connects members to different tools to help find coupons, generic brands, and the cheapest prices near you.

Additionally, members have access to our Virtual Care Solution through HealthTap, making it easier to receive primary care and get a prescription for many common needs without an in-person appointment.

CHM’s financial and spiritual support isn’t a myth

While lots of misinformation about health cost sharing exists, there are real reasons why so many Christians trust it as a viable solution. For singles, families, and retirees, CHM’s affordable programs are a great alternative to health insurance. If you want to see how our ministry works practically for believers like you, check out our member stories or join CHM today!

What does the Bible say about women? It’s the question we ask when faced with trials and triumphs both great and small. It’s what we ponder when we try to make friends but still feel so out of place. It’s the echo in the back of our minds when we see Nancy bring her famous pie to the church potluck, and we’re left wondering if we’d be admired if we were just more like her.

Our culture has a lot to say about women, who they should be, what they should prioritize, and which things they should strive to achieve. In fact, there’s even an International Women’s Day each March, dedicated to women everywhere.

However, only one voice truly matters when we consider biblical womanhood, and that’s the voice of Christ. God has a lot to say about women, their importance, and their critical role in biblical community.

Great women of the Bible

God intentionally included examples of women in the Bible to help us learn what it means to live as one of His daughters. By considering snapshots of some of their lives, we can discover practical takeaways and put them into action in our own homes and hearts.

Use this list as a jumping-off point for further in-depth study on your own, in your church small group, or in your daily devotional time with God. As you take the time to look up each woman’s story and dive deeper, your faith will grow:

Ruth

Ruth’s story, recorded in the book of the same name, gives us a peek behind the scenes of a woman struggling with heartache. We often incorporate her statements on wall art, plaques, mugs, and even purses. However, upon further evaluation, the value of her story echoes much deeper.

“‘Look,’ said Naomi, ‘your sister-in-law is going back to her people and her gods. Go back with her.’ But Ruth replied, ‘Don’t urge me to leave you or to turn back from you. Where you go I will go, and where you stay I will stay. Your people will be my people and your God my God. Where you die I will die, and there I will be buried. May the Lord deal with me, be it ever so severely, if even death separates you and me.’ When Naomi realized that Ruth was determined to go with her, she stopped urging her.” – Ruth 1:15-18 [NIV]

Upon the death of her husband, Ruth intentionally decided to stay with Naomi, her mother-in-law. Not many women would make such a choice, let alone what Ruth decided to do: take a journey and settle in a foreign land. Ruth would live as a stranger, an immigrant, with no community, no support, no family connections, and no hope of a future. However, she decided to put her trust in the hope of the Lord, and what a turn her story took!

Practical takeaways: As women, we’re important to the Kingdom of God. Our choices make a difference in the lives of those around us – but it can also change the course of history. We can take chances when God is calling us to move forward in faith. When we obey His voice, He is faithful to lead us and build community around us.

Esther

The story of Esther, also found in the biblical book of the same name, demonstrates to us that God cares for His people and is faithful to rescue us even when hope seems lost.

“When Esther’s words were reported to Mordecai, he sent back this answer: ‘Do not think that because you are in the king’s house you alone of all the Jews will escape. For if you remain silent at this time, relief and deliverance for the Jews will arise from another place, but you and your father’s family will perish. And who knows but that you have come to your royal position for such a time as this?’” – Esther 4:12-14 [NIV]

Esther didn’t want to approach the king on behalf of her people. She was full of fear and doubt, concerned that her position, and even her life itself, would be taken from her. She’d already been through a lot of pain, having been orphaned at a young age. Later, she was also taken from the only family she knew to see if she’d be worthy enough to become the king’s wife. Now, with a stable position in life, she was faced with an impossible choice: approach the king to save her people’s lives or try to keep her stable position. At the urging of Mordecai, she decided to take the risk.

Practical takeaways: As women, we’re intentionally placed in our roles: wife, mother, sister, daughter, friend, co-worker, teacher, leader, and many more. If we let Him into those roles, God transforms heartache into healing. He meets us in each calling and uses our unique gifts to bring about His glory.

Abigail

Abigail’s story is found in 1 Samuel 25, showing us what it means to be a strong woman in the face of difficult decisions and delicate situations.

“One of the servants told Abigail, Nabal’s wife, ‘David sent messengers from the wilderness to give our master his greetings, but he hurled insults at them. Yet these men were very good to us. They did not mistreat us, and the whole time we were out in the fields near them nothing was missing. Night and day they were a wall around us the whole time we were herding our sheep near them. Now think it over and see what you can do, because disaster is hanging over our master and his whole household. He is such a wicked man that no one can talk to him.’ Abigail acted quickly…” – 1 Samuel 25:14-18

Abigail was faced with a tricky situation, as her husband (who was said to be wicked) made a grave mistake in insulting the future king – David. David intended to destroy not only Nabal, but his whole household. However, Abigail didn’t hesitate. She knew what needed to be done to restore the relationship and prevent disaster. She stood in the gap, approached David herself, and asked for mercy. As a result of her bold choice, David decided to marry her upon the death of her husband Nabal. This secured Abigail’s position and status in life, giving her a bright future.

Practical takeaways: As women, we’re gifted with wisdom and grace from God, and we’re called to use those gifts to seek mercy and unity. We can step out in boldness when God calls us forward.

Strong women: You have a place in biblical community

What if there was one thing that each of these women have in common? In fact, what if it’s something all the biblical women have in common?

Spoiler alert: they do! It’s their flaws.

Not one woman listed in the Bible reacted perfectly, lived flawlessly, or had every aspect of their heart and home in order. Far from it.

In fact, we see many examples of women who tried their best, but sinned. We see examples of women who were misguided or intentionally chose harder paths. We see examples of women who faced trauma, abuse, anxiety, brokenness, homelessness, and heartache. We also see snapshots of women’s lives where it seemed like they made good choices, however, it’s important to remember that we truly only see one story out of the entire tapestry of their existence.

We know there are no human beings without sin. No one, except Jesus, was perfect. This fills our hearts with hope, because we can approach God’s throne of grace through the blood of Christ. We’re not perfect, and we’ll never be on this side of heaven. This means that we’re not disqualified, nor should we be discouraged. Rather, God calls His imperfect daughters to important roles in biblical community. From homemakers and homeschool moms, to teachers, lawyers, missionaries, writers, artists, leaders and so many more, women have crucial skills to offer our world.

God wants His daughters to know how valuable they truly are. He says that we are fearfully and wonderfully made [Psalm 139:14], beautiful and beloved [Song of Songs 4:7], and that He has good plans for our lives [Jeremiah 29:11]. He calls us to be women of valor and virtue, stepping out in faith to allow God to work through our lives and hearts. As we do, we can be sure that we’ll be living out God’s call to biblical womanhood.

Living out our faith is less about perfection and more about daily commitment—allowing Christ to shape how we think, love, and act. Here are five creative, practical ways to embrace faith in everyday life:

On March 30, communities across the U.S. will honor the service of physicians—not just as medical professionals, but as stewards of healing and compassion in a broken world. National Doctors’ Day was first observed in 1933 in Winder, Georgia, when Eudora Brown Almond and fellow members of the Barrow County Alliance wrote cards, sent flowers, and placed memorial blossoms on the graves of physicians who had passed. This tradition eventually grew into a national observance, officially recognized in 1991 by Congress. 

As a physician myself, I appreciate this day. And as believers, we recognize that healing is both a physical art and a divine calling. As it is written in James 5:14 [NIV], “Is anyone among you sick? Let them call the elders of the church to pray over them and anoint them with oil in the name of the Lord.”

Doctors have a principal role in a sacred ministry of care and restoration—one that often reflects God’s heart for the suffering.

The journey to medicine: Commitment, cost, and calling

Becoming a physician isn’t a casual decision, but a long and demanding pilgrimage requiring:

• 4 years of undergraduate study,
• 4 years of medical school, and
• 3–7+ years of residency training (with additional fellowship years for some specialties)

From the first pre-med course to independent practice, it often takes 11–15 years or more of rigorous study and clinical training before a young doctor truly begins to serve patients on their own.

The financial cost is significant, with graduates carrying an average educational debt of $200,000–$250,000. Many physicians spend their first decade after college paying down loans while working long hours for modest residency salaries.

Rewards of the calling

Despite the challenges, the work is deeply rewarding. Every day offers moments to use skills and compassion.

Some of the most meaningful rewards include:

• The privilege of bearing witness to life’s most tender moments such as birth, healing, forgiveness, and reconciliation.
• Easing suffering and restoring function so people can return to family, work, and purpose.
• The trust placed in physicians by patients and families—a human echo of God’s own invitation to care for one another.
• The daily reminder that healing, even when imperfect, brings hope and dignity.

Like the good Samaritan who “binds up wounds” [Luke 10:34, NIV], physicians act as agents of comfort and care in the brokenness of our world.

Challenges of physicians today

Modern medicine often feels like a marathon, and physician burnout is a growing concern. Recent surveys indicate that nearly half of U.S. physicians report symptoms of burnout, including emotional exhaustion, depersonalization, and reduced sense of accomplishment.

• Despite improvement after the pandemic, the burnout rate remains significantly higher for physicians than many other professions.
• Primary care doctors (who often serve as the front line of community health) have especially high stress levels compared with other specialties. 

Burnout correlates with decreased job satisfaction and diminished well-being for clinicians and patients alike. As a physician myself, I’ve found that this burnout is rarely rooted in caring for patients, but rather in working within healthcare systems that reduce physicians to data-entry clerks or productivity units rather than honoring the relational and vocational heart of medicine.

Yet, many physicians still find joy and meaning in their vocation. Recent data suggests that many doctors still report overall job satisfaction, particularly when their work allows them to practice medicine in ways that preserve meaningful patient relationships and professional integrity. Many doctors express enduring pride in their role and a sustained sense of calling, even as they navigate challenging healthcare systems.

Gratitude heals doctors, too

This Doctors’ Day, consider saying thanks to your personal physician. A simple, heartfelt “thank you for helping me” matters more than we often realize—especially to physicians who work long hours and carry heavy burdens.

Here are ways to express gratitude to your physician:

• Write a handwritten note sharing how a doctor’s care changed your life.
• Pause to say “thank you” during visits—genuine encouragement sticks with caregivers.
• Mention specific qualities (kindness, attentiveness, clarity of explanation) you noticed during your visit.
• Pray for your doctor privately or as part of your church prayer time. Ask God to give them wisdom, strength, and rest.
• Encourage others to share thanks! A culture of gratitude strengthens communities and reinforces a doctor’s calling.

A simple “thank you” is a small seed, but with faith and care, it grows to make a lasting impact.

A culture of care

On National Doctors’ Day, we honor my physician colleagues for what they do, and for what they give—long nights, listening ears, steady hands, and compassionate hearts.

As a community of faith, we celebrate the gift of healing, and pray God sustains doctors with wisdom, resilience, and peace. Jesus reminds us in Matthew 25:40 [NIV], “Whatever you did for one of the least of these brothers and sisters of mine, you did for me.”

If you need a physician who prioritizes your care, explore CHM’s Virtual Care Solution through HealthTap for convenient access to caring, licensed doctors. Learn more by visiting www.healthtap.com/for/chm/.

With every compassionate diagnosis and restorative treatment, God’s love is reflected through the doctors He calls to serve.

References

Wikipedia – National Doctor’s Day https://en.wikipedia.org/wiki/National_Doctors%27_Day?utm_source=chatgpt.com

AMA Measuring Physician Burnout May 15, 2025. https://www.ama-assn.org/practice-management/physician-health/measuring-and-addressing-physician-burnout?utm_source=chatgpt.com

AMA National Physician Burnout Survey, May 15, 2025 https://www.ama-assn.org/practice-management/physician-health/national-physician-burnout-survey?utm_source=chatgpt.com.

Mohr DC, Elnahal S, Marks ML, Derickson R, Osatuke K. Burnout Trends Among US Health Care Workers. JAMA Netw Open. 2025 Apr 1;8(4):e255954. doi: 10.1001/jamanetworkopen.2025.5954. PMID: 40257797; PMCID: PMC12013355.

AAFP. Family Physician Burnout, Well-Being, and Professional Satisfaction (Position Paper). 2023.

My cancer journey came out of nowhere, with no warning. I experienced shoulder pain, and when I went to the doctor, he told me there was nothing wrong with my shoulder. However, they decided to do an MRI to check everything out. That’s when they found cancer in my left lung, which meant I needed to begin chemotherapy.

Prior to my cancer diagnosis, we never submitted any medical bills for sharing with CHM, so we didn’t know what the process would look like or how it would unfold.

However, when we started submitting medical bills, we discovered a level of support that went beyond our expectations. Every time we reached out, we spoke with real people who listened to us. When my husband, Danny, needed to review bills or ask questions, everything was handled smoothly. The conversations would end with encouragement, reassurance, and prayer.

In fact, one of the very first things my husband and I noticed about CHM, and one of the things we are most grateful for, is CHM’s staff. From the start of our experience, every staff member we’ve encountered has been incredibly kind, supportive, and full of faith. I can see and feel the Holy Spirit at work in the way they serve.

We live in Tennessee, but I was being treated in Ohio for my needs. It was difficult to be away from home. However, further into my treatment, we found out about CHM’s Cancer Care Solution. I contacted them and they embraced me with support. They helped with finding an oncologist for immunotherapy in Tennessee and answered any questions. CHM’s Cancer Care Solution team became advocates for my treatment.

The whole process has reminded me of how the early church gathered and shared one another’s burdens in Acts. Similarly, CHM and its members are living by faith. We are connecting as brothers and sisters in Christ, and I’d like to say thank you to the members who faithfully contribute towards each other’s eligible medical bills.

Please continue to pray for my healing on this side of heaven, as well as for our family as we continue to be examples for the Lord and share God’s love. My journey isn’t over yet!

Throughout the year, CHM members share stories about the financial and spiritual support they receive from fellow believers. The impact of participating in the CHM family is invaluable! Here’s a look back at the numbers from 2025 and what you, our CHM members, made possible.

2025 by the numbers

CHM members submitted $1,557,807,000 worth of eligible medical bills in 2025. Discounts and financial assistance received amounted to $693,469,000 which was an average of 45%—allowing member dollars to go even further. That’s over 54,000 individual members who were helped through sharing support in 2025.

Members received medical bill reimbursement for eligible illnesses, including pre-existing conditions, surgeries, maternity, cancer, and more.

• CHM Plus: Over $83,000,000 was shared in medical bills for catastrophic medical illnesses exceeding $125,000.
• Pre-existing conditions: $14,707,000 was shared in medical bills for maintained pre-existing conditions. This included $11,540,000 shared through the Maintained Pre-existing Schedule and $3,167,000 which was shared through CHM Give donations.

CHM Care Solutions

In 2025, CHM developed CHM Care Solutions—specialized components that allow members to save on costs and receive quality healthcare.

• Complete Surgical Care Solution (CSCS): CHM members who use a CSCS medical provider can receive a $1,250 membership credit.
• Maternity Care Solution: CHM members who call within the first 16 weeks of pregnancy receive $500 off their Personal Responsibility.
• Cancer Care Solution: CHM members who use a CCS provider receive a $1,250 membership credit.
• Virtual Care Solution: With CHM’s Virtual Care Solution, members can utilize HealthTap for urgent care and primary care needs.
• Prescription Care Solution: CHM members can save on prescription costs by taking advantage of CHM’s prescription discount resources.

Referral rewards

Members can save on monthly contributions and Personal Responsibility costs by referring their friends and family to CHM. Last year, thousands of members earned reward credits in the enhanced Refer-a-Friend program. Additionally, 8,799 new members received a 50% welcome credit when a friend referred them. Thank you for spreading the word about CHM!

When we reflect on all that was made possible in 2025, we glorify God for His goodness and thank you for your faithful support.

Looking ahead

As a CHM member, you can be confident knowing that 90 cents of every dollar you send to CHM goes directly to help another member in need. Our commitment to transparency and accountability led CHM to become the nation’s first health cost sharing ministry to earn independent accreditation. Demotech, a firm that conducts independent, certified financial stability ratings, gave CHM a score of 97 out of 100.

In 2026, CHM is positioned to share more eligible medical bills than ever before—helping members access quality care and meaningful savings. Thank you for being part of this ministry.

Raising a family with a lot of kids comes with plenty of joy and major expenses—healthcare being one of them. Many parents wonder why family health insurance has to be so pricey and if there are any viable alternatives out there.

For Christian families who want to steward God’s money wisely, Christian Healthcare Ministries (CHM) offers a unique approach compared to the traditional insurance model. As a nonprofit ministry, CHM allows Christians to share each other’s eligible health expenses.

Instead of paying premiums to an insurance company, members send monthly contributions that directly help fellow believers. Let’s explore how CHM can help bigger families save money while allowing access to high-quality, flexible care.

Marketplace health insurance is already expensive for just one person, let alone a whole family. Add a spouse and multiple kids and things start to add up quickly. Traditional family health insurance is often priced per person, which means costs increase with every additional child—stretching an already tight budget.

For households with low to modest income, financial planning and family planning can turn into a complex juggling act. Many health insurance plans for families present the following challenges:

• High monthly premiums plus added costs for each dependent
• Large deductibles that must be met before coverage starts
• Limited networks of private practices and hospitals

Parents wanting affordable family health insurance often feel financially constrained or priced out altogether, but it doesn’t have to be that way. CHM exists to help Christians live out God’s calling without worrying about the price of medical care.

CHM offers flexibility for your family budget

When managing a family budget with a lot of kids, having some wiggle room goes a long way. CHM’s monthly contributions are designed to be affordable and adaptable.

As your family’s needs change, your membership can be updated at any time. If you need to upgrade or downgrade your family’s program, you can do so within the Member Portal or by calling CHM’s member support team (1-800-791-6225) to assist you. This flexibility is helpful for parents who might need to adjust their spending during different seasons of life.

Just note that any bills submitted with your previous program will be shared under the rules of that program. Any new bills submitted after you change your membership will then be shared under the rules of the new program.

Compared to traditional insurance, CHM doesn’t lock you into a fixed year-long contract; allowing you to switch your program at any time. While health insurance plans can only be adjusted during an enrollment period or after a qualifying life event. CHM makes it easier for families to pivot so they can get the pricing and support they need when they need it.

Because CHM isn’t insurance, members also can benefit from self-pay discounts, adding even more to their savings. Many private practices and hospitals are eager to work with patients who can pay upfront instead of dealing with insurance.

Having a family is one of God’s greatest earthly blessings. For that reason, CHM is committed to supporting growing families as much as possible—and maternity care is one of the ways we do that. Our generous Maternity Care Solution shares many expenses related to prenatal care, delivery, and postnatal needs according to CHM Guidelines.

Members can also receive a reduction of $500 to their maternity Personal Responsibility if they call and speak with the Maternity Care Team within the first 16 weeks of pregnancy. This kind of discount is rare under traditional family health insurance plans. Not only that, but CHM fully reimburses mothers for eligible physical therapy sessions during pregnancy and postpartum treatment up to 90 days after delivery.

The Maternity Care solution also allows our members access to a nurse navigator to help with various things related to pregnancy like:

• Finding reputable healthcare providers nearby
• Clarifying your options for childbirth
• Explaining lab test results and possible health risks
• Answering questions and providing helpful resources

Because CHM doesn’t use a provider network, that means mothers can go to the certified OBGYNs and hospitals they prefer without worrying about extra fees or hidden charges. Or, you can share eligible costs for legally practicing midwives and birthing centers. Being able to choose your provider allows families to find the best care they need without unnecessary limitations.

CHM’s commitment to help Christian families

If God has blessed your home with many children, there’s no need to worry about unexpected medical debt or exorbitant health insurance fees. CHM serves families big or small by providing financial flexibility, greater provider options, robust maternity care, and compassionate member service. Check out our free cost comparison tool or join CHM today and feel the difference of a biblical alternative to traditional health insurance.

Hospitals often present self-pay as straightforward. You get care, you receive a bill, and you pay it. But if you’ve ever opened a hospital bill and felt that overwhelm set in, you know it’s rarely that simple.

For many families—especially moms already juggling what seems like a million things—self-pay can feel confusing and overwhelming. Prices aren’t clear. Discounts aren’t advertised. And no one explains your options unless you know exactly who and what to ask. That confusion can turn a stressful health moment into a long season of financial strain.

Here’s what hospitals often don’t explain—and what you should know before assuming that first bill is final.

Many people assume self-pay only applies if you don’t have insurance. In reality, self-pay simply means you are responsible for the bill.

That can include people who:

• Don’t have insurance
• Are getting care that isn’t covered
• Choose to pay cash or pay out of pocket instead of submitting a claim

Hospitals typically start with a chargemaster price. This is the internal list of charges for services ranging from lab work to imaging and procedures. These prices are often much higher than what most people end up paying, but they’re frequently the first numbers self-pay patients see.

It’s important to understand that those prices are usually a starting point, not the final amount you can expect to pay.

If you’ve ever wondered why hospital bills are so expensive, you’re not alone.

Healthcare pricing can vary widely depending on where you receive care, how services are billed, and how you pay. Research shows that the same test or medical procedure can cost very different amounts—even within the same community.

Although hospitals are now required to post pricing information, it can be challenging to find. You may still need to call or ask for a written estimate to get a clearer picture of what you may owe.

Financial assistance and charity care

Many hospitals often don’t specifically promote that financial assistance is available, even though it usually is.

Nonprofit hospitals are required to offer financial assistance programs—sometimes called charity care—as part of their tax-exempt status. These programs can help reduce medical bills for patients who meet specific income guidelines.

Hospitals must have written policies explaining:

• Who qualifies
• What help is available
• How to apply

While these programs aren’t always offered initially, you certainly have the right to ask about them—especially when a bill feels unmanageable.

Another important protection for self-pay patients is the Good Faith Estimate.

When you schedule non-emergency care in advance, providers are generally required to provide self-pay patients with a written estimate of expected charges. This estimate should reflect the planned care and include related services when possible.

If the final bill is much higher than the estimate, you may have the right to question or dispute those charges. Simply knowing you can request an estimate puts you in a stronger position before care begins.

These questions don’t make you difficult. They help you understand your options and take an active role in managing healthcare costs.

Always request an itemized bill

One of the simplest ways to review a hospital bill is to ask for an itemized statement.

Itemized bills break down charges line by line, making it easier to spot errors such as duplicate charges, services you didn’t receive, or charges that don’t match your care. If something doesn’t look right, asking questions can often lead to corrections.

You can compare prices for non-emergency care

For non-emergency services, you may have more choices than you realize.

Imaging, lab work, physical therapy, and some outpatient procedures can vary widely in cost. Calling ahead to ask about self-pay pricing or cash pay discounts can help you make more informed decisions.

A few phone calls won’t take much time, but they can save hundreds—or even thousands—of dollars.

What happens if you can’t pay a hospital bill?

If you’re worried about what happens if you can’t pay a hospital bill, here’s some reassurance: most hospitals would rather work with patients than send bills to collections.

Many facilities offer payment plans, prompt-payment options, or financial assistance. Reaching out early and asking questions often leads to a better outcome.

A different way to handle healthcare costs

For those seeking an alternative to traditional insurance, Christian Healthcare Ministries (CHM) offers a different approach.

CHM is a faith-based health cost sharing ministry where members voluntarily share one another’s eligible medical bills. Members are considered self-pay patients, which may allow them to ask about self-pay pricing and available options when receiving care.

CHM also has staff available to help members understand medical bills, explore options, and navigate next steps. Since 1981, CHM members have shared nearly $13 billion in eligible medical bills.

When support and discounts make a difference

One couple joined Christian Healthcare Ministries (CHM) shortly before learning they were expecting triplets. Their pregnancy, delivery, and extended NICU stay resulted in nearly $1 million in hospital charges. By securing self-pay pricing and provider discounts, the total eligible bills were reduced to $600,000—a savings of roughly $400,000 before bill sharing even began.

With guidance and support from CHM throughout the billing process, the family saw firsthand that asking questions and pursuing available discounts can significantly reduce even the largest hospital bills.

A more hopeful way to look at the bill

What hospitals often don’t explain is that the first bill you receive isn’t always the final bill.

Prices can vary. Financial assistance may be available. Self-pay patients have the right to estimates and clearer information. Knowing this can turn that next medical bill in the mail into a starting point instead of a dead end.

Asking questions isn’t being difficult. It’s being informed. Informed patients are better equipped to manage both their health and their finances.

If you’re exploring ways to manage healthcare costs while staying rooted in faith and community, learning more about Christian Healthcare Ministries may be a helpful next step. CHM exists to support members with clarity, compassion, and shared responsibility.

References

• Centers for Medicare & Medicaid Services. No Surprises: Understand your rights against surprise medical bills. https://www.cms.gov/newsroom/fact-sheets/no-surprises-understand-your-rights-against-surprise-medical-bills
• Centers for Medicare & Medicaid Services. What is a good faith estimate?
  https://www.cms.gov/medical-bill-rights/help/guides/good-faith-estimate
• Consumer Financial Protection Bureau. What is a surprise medical bill, and what should I know about the No Surprises Act?https://www.consumerfinance.gov/ask-cfpb/what-is-a-surprise-medical-bill-and-what-should-i-know-about-the-no-surprises-act-en-2123/
• Jiang, J. X., Dunn, A., McLaughlin, C. G., & White, C. Comparison of U.S. hospital cash prices and commercial negotiated prices for shoppable services. JAMA Network Open. https://doi.org/10.1001/jamanetworkopen.2021.40526
• Kaiser Family Foundation. Hospital charity care: How it works and why it matters. https://www.kff.org/health-costs/issue-brief/hospital-charity-care-how-it-works-and-why-it-matters/

Toward the end of 2025, I had hip replacement surgery at an orthopedic surgery center. Everything went smoothly, the surgery costs were extremely reasonable, and I was soon back at work.

However, before surgery I had to receive health clearance. While my primary care doctor is through CHM’s Virtual Care Solution (HealthTap), for this specific surgery-related appointment, I went in person to see a doctor.

I used a physician service set up specifically to clear patients for surgery through the surgery center. For 29 minutes and 30 seconds of that appointment, an orthopedic nurse from the surgery center asked health history questions and recorded my vital signs. For the last 30 seconds, the subcontracted doctor came in, listened to my heart, asked a couple questions, pushed a button on the computer keyboard, and was finished. Upon his exit, I jokingly said to the nurse, “There’s an $800 bill.”

However, the bill was no joke; it was $1,250 just for the physician portion of the bill. I called the company and said the cost was unreasonable. The representative spoke with her manager and indicated they would accept $400 if I paid it that day.

I told her that wasn’t good enough. “My credit score is great,” I said, “so it won’t be a problem if this bill goes to collections, and you’ll only receive 20 cents on the dollar. I’m willing to pay you $200 today.” Once again, she talked to her manager, came back, and told me they would accept the $200 as payment in full.

I saved $1,050 with a short phone call to politely challenge exorbitant charges. You can, too.

Here are three tips for negotiating discounts with healthcare providers:

1. Always ask for an itemized or “super” bill and check for errors. That way you can ensure that you are only paying for services that were performed or items that were used.
2. If your provider is a nonprofit, review their financial assistance policy. They are required to give back to the community in exchange for their tax-exempt status and this could help you reduce your costs.
3. Always ask for a self-pay or uninsured discount.
4. If you’re able, pay in cash if it will increase the discounted amount.

After I retired from the Air Force, I contemplated how I might best use the final season of my professional life. In a meeting with a coach, he—out of nowhere—asked, “Where did you lose your heart?”

The question caught me off guard, but it stirred my curiosity. Instead of explaining, he gave me an assignment: go to a park, watch children play—notice their laughter, joy, and freedom from worry, and then ask myself, “When was the last time I felt that alive?”

Interestingly, the medical term for a heart attack is “myocardial infarction.” Infarct is Latin for “stuff it” and that’s exactly what I’d learned to do with my emotions.

His question became my quest to answer.

Emotional health is physical health

In my quest, I learned about a physical health measurement for the heart called Heart Rate Variability (HRV). HRV refers to the variation that occurs between each of your heart beats. If your heart rate is 60 beats per minute, that’s your average—your heart is not actually beating at a fixed rate of 60.  Instead, the heart beats a little faster for a few beats, then slows for a few, then speeds up again, and so on. This variation represents a normal, healthy autonomic nervous system, alternating between accelerating and decelerating the heart in a smooth pattern.

The heart can also beat in abnormal, unhealthy patterns, in which the HRV is chaotic and dysregulated. A negative HRV pattern is the single best predictor of sudden cardiac death.

Positive emotions are associated with a healthy, smooth-beating HRV. Conversely, negative emotions create an unstable, chaotic pattern. By improving your emotional state, you improve your HRV pattern, lowering your cardiac risk.

Further, the heart is the most powerful oscillating (rhythmic) organ—far more powerful than the brain. From a neurobiological perspective, this explains why people who are calm make better decisions than those who are upset. As the heart goes, so goes the rest of your body.

Heart and mind

As a child, I was taught through our family’s dynamics that emotions were irrelevant, opposed sound thinking, reflected weakness and instability, and that I should ignore them. Yet, as an adult, it was clear that science was telling me that emotions were of paramount importance. I was shocked.

Additionally, the Bible suggests that the heart and mind are connected. For example, Proverbs 23:7 [NKJV] says, “As he thinks in his heart, so is he…” Through this, I learned:

• The heart “thinks”
• The heart’s thoughts are shaped by our emotions
• Our feelings tell us what we believe to be true

Our hearts can influence the way we think. However, Jeremiah 17:9 [ESV] warns that “The heart is deceitful above all things, and desperately sick….”  We can’t trust our hearts; we need a fixed point of reference—the Bible.

Hebrews 4:12 [ESV] says, “For the word of God is living and active, sharper than any two-edged sword, piercing to the division of soul and of spirit, of joints and of marrow, and discerning the thoughts and intentions of the heart.”

Emotional intelligence

I came across a helpful book called “Running On Empty: Overcome Your Childhood Emotional Neglect” by Jonice Webb. The book explains how a child develops emotional intelligence. She advises that, when a child is upset, a parent needs to attune to that child’s heart by doing three things:

• Feel an emotional connection with the child,
• Empathize with and validate the child’s emotions (in other words, don’t condemn feelings or tell a child that they shouldn’t feel that way), and
• Respond competently to the child’s emotional need.

When we do that for another person, they no longer feel alone, their distress typically dissipates, and we can help them back to a place of joy.

That was where my upbringing fell short. When my siblings or I were in emotional distress, we dealt with it alone. Neuroscientist Curt Thompson said, “We can grow up in homes in which the food finds the table, the money finds the college fund, and the family even finds the church on Sunday, but somehow our hearts remain undiscovered by the two people we most need to know us, our parents.”

King David gives us an example of what such attunement looks like. In Psalms 13:1-6, David was very upset. He felt like God had abandoned him. However, David knew the secret of what to do when his soul was cast down—he expressed raw emotion to God and found comfort in his time of need.

One of the greatest gifts I’ve ever received is that coach who asked me where I’d lost my heart. Through my quest, I discovered that I had not actually lost my heart—my problem was that no one had ever listened to it or the feelings I experienced as life happened, so neither did I. I had never learned its language. And I’d ask you: Where is your heart? Have you ignored it or shoved it away? Has anyone ever bothered to listen to it? Have you learned its language?

Once you find your heart, “guard your heart, for everything you do flows from it” [Proverbs 4:23, NIV].

References

1. Webb, J., & Musello, C. (2019). Running on empty: Overcome your childhood emotional neglect. Morgan James Publishing. p. 6.

Todd and Emilee Henry: A surprise heart attack

My husband Todd had a heart attack in November 2022. Up until that point, he had no heart issues of which we were aware. He was in good health and on no medications.

Todd’s initial heart attack sent us to the ER: at the hospital, he had an additional heart attack. After the second heart attack, he was put on a nitroglycerin drip, and surgery was scheduled the day after Thanksgiving.

His recovery went well, but I thought about how we would pay his medical bills. I called CHM; the woman that answered the phone was truly a blessing to me. She prayed with me, encouraged me, and told me step by step exactly what to do. Most importantly, she said, “Just take your time and do what you need to do with your husband first.” I was blown away by God’s goodness.

His recovery went so well that we were eager to start an exercise regimen, but two weeks after his quadruple bypass, he suffered another heart attack. That was quite a blow as his recovery had gone so well.

Today, Todd is doing well since his surgery and the heart attack afterwards. We eat healthily and feel great.

CHM made it an easy process and reimbursed us quickly. The provision of other believers sharing our costs with us through CHM was far more than we had hoped or imagined. When I called shortly after we got home from the hospital to find out exactly how much would be shared, they let me know that since we had CHM Plus, we had additional sharing for our medical costs (ultimately totaling $279,748.95). Another kindness from the Lord.

We’ve been eager to share our experience with everyone. It’s our belief that, if all Christians joined a health cost sharing ministry like this, no Christian would have to use insurance and the medical costs of God’s family would decrease substantially.

God is showing us to trust Him more. God is Sovereign and God is good. When we can stand on those truths, it helps us have great peace when the world could be falling around us.

Mary Solomon: An “accidental” diagnosis

Right before Mother’s Day, I felt pain and numbness in my left hand that spread up my arm. Thinking it wasn’t serious, I drove myself to the hospital. Halfway there, things worsened and I fervently prayed to our Heavenly Father for help.

When I finally reached the ER, I had lost depth perception, and my speech was not clear. A nurse called a code, and I realized this was serious. I needed an MRI which terrified me because of claustrophobia. I prayed for peace, and the techs were kind, giving me headphones to calm my nerves. My favorite hymn “Be Still My Soul” was playing. I knew this was no coincidence.

The neurologist came and told me that I did not have a stroke, but they found something unexpected: a brain aneurysm.

When my husband arrived at the hospital and learned of my diagnosis, he asked if all the symptoms I had were related to my aneurysm. The doctor said no. She then explained that all my symptoms were on the left side of my body, and my aneurysm was also located on the left side. She proceeded to explain that the left side of the brain oversees the right side of the body. It was all an accidental medical find. I told the doctor that it was not an accidental find; it was guided by God.

After surgery, I stayed in the ICU overnight due to risks of stroke or stent rejection. Recovery was slow, but I felt incredible love from family, friends, CHM members, and my church. Their prayers carried me.

I’ve had two procedures—making the total cost eligible for sharing through CHM Plus—and my aneurysm has since shrunk.

Through this trial, I’ve been told many times that it was an accidental find. I have repeated that it never was. I had to feel exactly how I felt for the medical personnel to look exactly where they did. The kind techs that did my MRI had to be Christians playing the beautiful music that calmed my soul. I was sent to a neurosurgeon that not only did the surgery I needed, but also did research on it.  

For God, there are no coincidences. My testimony and faith have increased because I know He loves me. He loves each one of us. He is with us. It does not matter who we are or what we have done. For Him, we are His Children; and He will always be there. We need to see the beautiful miracles we are given day by day and trust Him with all our hearts. I am so grateful each day to be here and to enjoy my family, His creation, and be His hands.

The Lord gave me a miracle, and I intend to share it with anyone that I can.

No one goes through life unscathed by pain or hardship. In fact, we’re guaranteed to face them. In John 16:33 [NIV], Jesus says, “…In this world you will have trouble. But take heart! I have overcome the world.”

Too often, when trials come, we push down the negative emotions that surface. We think that, because Jesus overcame the world, we shouldn’t feel troubled. But we were created to feel, and even Jesus experienced deep emotion [John 11:35]. Ignoring what our hearts and bodies are communicating has consequences because suppressed emotions linger, affecting our relationships, habits, and even physical health.

Here are five scriptural principles to pursue healing for your heart:

1. Bring your pain before God

Genuine healing begins when we come honestly before God with our hurt. Crying out, writing down your prayers, and lamenting before Him releases emotional weight. The Psalms are full of raw, honest expression—they remind us that God already knows our hearts, so we can freely bring Him every emotion.

Reflect on these passages as you come before God:

• Psalm 62:8 [NIV] — “Trust in him at all times, you people; pour out your hearts to him, for God is our refuge.”
• Psalm 34:18 [NIV] — “The Lord is close to the brokenhearted and saves those who are crushed in spirit.”
• 1 Peter 5:7 [NIV] — “Cast all your anxiety on him because he cares for you.”
• Psalm 23:4 [NIV] — “Even though I walk through the darkest valley, I will fear no evil, for you are with me…”

2. Facing rejection? Rest in God’s love

If you’ve faced rejection, your heart may say, “I’m not enough… nobody will stay.” But Scripture speaks truth: “You are deeply, unconditionally loved.” No matter how others treat you or how many times you’ve been rejected, your Heavenly Father—who knows you completely—chooses you and will never leave you.

Consider these verses:

• Jeremiah 31:3 [NIV] — “I have loved you with an everlasting love; I have drawn you with unfailing kindness.”
• Romans 8:38–39 [NIV] — “For I am convinced that neither death nor life, neither angels nor demons, neither the present nor the future, nor any powers, neither height nor depth, nor anything else in all creation, will be able to separate us from the love of God that is in Christ Jesus our Lord.”

3. Forgive and release

Forgiveness doesn’t excuse the offense; it frees your heart from bitterness and bondage. Healing truly takes root when we let go of the desire for retaliation and entrust justice to God.

Scriptures on forgiveness:

• Ephesians 4:32 [NIV] — “Be kind and compassionate to one another, forgiving each other, just as in Christ God forgave you.”
• Romans 12:19 [NIV] — “Do not take revenge, my dear friends, but leave room for God’s wrath… ‘It is mine to avenge; I will repay,’ says the Lord.”

4. Surround yourself with Godly community

Isolation doesn’t produce healing—you’re not meant to walk through heartbreak alone. Biblical community offers support, wise counsel, and an environment that encourages growth and restoration.

Scriptures that highlight the importance of community:

• Galatians 6:2 [NIV] — “Carry each other’s burdens, and in this way you will fulfill the law of Christ.”
• Ecclesiastes 4:9–10 [NIV] — “Two are better than one… If either of them falls down, one can help the other up…”

5. Trust God’s timing for healing

Healing isn’t instantaneous. Setbacks don’t mean you’ll feel this pain forever—they’re simply part of the healing journey. Ecclesiastes 3:1, 4 [NIV] says, “There is a time for everything… a time to weep and a time to laugh, a time to mourn and a time to dance.”

Your time to laugh and dance will come again.

Medical expenses for catastrophic or chronic illness can easily surpass $125,000—the standard sharing limit per illness on CHM’s main programs (CHM Bronze, CHM Silver, CHM Gold). Furthermore, medical bill expenses for both short-term and long-term medical needs are projected to keep rising. For example, annual U.S. spending for cancer treatment is expected to increase from $183 billion in 2015 to $246 billion in 2030 according to the American Cancer Society. The need for CHM Plus, CHM’s optional program for medical bills exceeding $125,000 per illness, has never been greater.

The price tag for medical care

Medical conditions that easily—and regularly—exceed $125,000 include heart disease, stroke, cancer, serious motor vehicle accidents, and even maternity events involving complications or multiple births.

Medical costs can vary widely by state, level of care needed, length of care, and other factors, making it difficult to assess the specific costs. However, we’ve compiled some general statistics that show the magnitude of today’s healthcare costs:

Cancer: On average cancer treatment is estimated to be $150,000, with chemotherapy costs ranging from $1,000 to more than $12,000 per month.

Motor vehicle accident: Medical bills for severe injuries from a car accident can easily be $50,000 or more, and may include emergency room visits, hospitalization, medical treatment, and even life-saving medical transportation.

Maternity: Maternity expenses, which are $20,416 on average, can exceed $125,000 when there are multiple births or complications. The average cost for giving birth to twins is $104,831, and for triplets—or more—is $407,199. If complications or a premature birth require a Neonatal Intensive Care Unit (NICU) stay, the average cost in 2021 was $71,158, not including prenatal or delivery costs, or postpartum care for mothers.

How CHM Plus safeguards you

For a monthly cost of $42 per unit, CHM Plus, an add-on to CHM Bronze, CHM Silver, or CHM Gold*, increases the $125,000 per illness sharing limit, so you’re protected even when costs go above $125,000. With CHM Gold and CHM Plus, you get the highest level of support—unlimited sharing for eligible medical bills.

Don’t be caught unprepared. For CHM Plus sharing to be active, CHM Plus must be added before any signs, symptoms, or testing occur and prior to becoming pregnant (the due date must be at least 300 days from the CHM Plus start date). The best time to add CHM Plus is now! In 2025, CHM members shared more than $64 million through CHM Plus, which is 3.11% of the total dollars shared. This includes 956 individual members who were helped through CHM Plus sharing, relieving the burden and stress of expensive medical costs. You can have the peace of mind that comes from knowing if expensive medical bills arise, you have support from your fellow CHM members through CHM Plus.

*Editor’s note: CHM SeniorShare™ members don’t have a sharing limit, meaning the perks of CHM Plus are already included with the program.

CHM has an exciting savings opportunity for 2026! You can save 3% on your monthly contributions (effective the month after you sign up) by setting up recurring automatic bank withdrawal, downloading the CHM Member Portal App, and opting in to email and text messages*.

Update your payment information to make automatic bank withdrawals through your Member Portal or on the CHM Member Portal App by following these steps:

• Log in to the Member Portal 
• Select “Billing” in the navigation 
• Select “Manage monthly contributions” 
• Select “Payment Methods” to update, edit or add your payment methods, and choose “ACH”
• Select “Manage Auto Pay Preference”
• Select “Yes” beneath “Auto Payment Consent”

Haven’t downloaded the CHM Member Portal app yet?

By downloading the app, you can easily stay connected with all the Member Portal features right at your fingertips—anytime, anywhere. Plus, you can upload photos of your medical bills directly from your phone.

Stretch your healthcare dollars even further

Choose your provider:

With CHM, you can choose your own healthcare providers, take advantage of preferred CHM providers who offer exclusive discounts to CHM members, or work with providers we recommend for specific medical events like maternity care or non-emergency surgeries. These options prioritize quality while keeping expenses low.

CHM Care Solutions:

Our CHM Care Solutions provide specialized support to guide you through your healthcare journey, often resulting in significant savings, better treatment, and peace of mind. For example, using HealthTap providers through our Virtual Care Solution for primary or urgent care needs can help you avoid costly in-person visits. These virtual visits are already included with your CHM membership.

Refer-a-Friend:

Another way to save is through CHM’s Refer-a-Friend program. By referring friends and family, you’ll earn a one-time $200 reward credit toward your monthly contribution or Personal Responsibility. Plus, your friend will get a welcome credit of 50% off one monthly contribution.

No matter where you are in your healthcare journey, CHM gives you the tools to save money, simplify your experience, and stay connected.

*Editor’s note: Automatic bank withdrawal is not available for Maryland members because giving is member-to-member.

Being a parent in a world overrun with screens, apps, and notifications is no easy job. Many want to protect their kids from the pitfalls of digital media but have no idea where or how to start.

With smart phones, tablets, television, video games, streaming, and social media—it’s natural to feel overwhelmed. But no need to worry! Applying simple lessons from Scripture can help your family’s tech habits honor the Lord.

A big question for parents today is the amount of screen time appropriate for kids. This is challenging as most of us use tech for almost every part of life. And for teenagers, social pressure to be always online and reachable continues to rise.

While every child is different, studies show that a limited and gradual introduction to tech proves better in the long run. Too much screen time creates harmful side effects—negatively impacting a child’s sleep, focus, and emotional development.

According to the Canadian Paediatric Society, “High exposure to background TV has been found to negatively affect language use and acquisition, attention, cognitive development and executive function in children younger than 5 years.”

It’s no surprise that companies design videos, apps, and games to hold a user’s attention as long as possible. As you make decisions about your family’s screen time, be mindful of how vulnerable kids are to digital media. This is especially true for younger children whose brains are still developing.

Portioning screen time based on your child’s age and maturity is key here. Children’s Hospital Los Angeles (CHLA) suggests the following limits:

• For children under 2, no screentime at all except for video calls with friends and family.
• For 2–5-year-olds, 1 hour a day of high-quality kid’s media (watching with them is encouraged).
• For 5–12-year-olds, set clear screen time rules and make sure 9-12 hours of sleep and over an hour of exercise are a priority.
• For kids 13 and older, monitor online activity and limit social media use. Ensure they get 8-10 hours of sleep and over an hour of exercise.

Because of the unpredictable nature of parenthood, this standard isn’t always realistic. So don’t feel bad if you’re struggling to maintain this every day. Long weekends, vacations, and sick days can be exceptions to the rule!

It’s also important to remember that screen time controls only go so far (kids can often find ways around app restrictions). That’s why building positive habits together will encourage them away from obsessive tech use.

Discernment in media: guarding your child’s heart

Healthy boundaries matter, but it’s also crucial to decide what kind of content your kids will consume. This is even more important than the amount of time they spend on it!

Thankfully, there are great online resources for Christian parents to find quality movies, shows, games, and videos for kids. While no piece of media is perfect, asking the questions below can also help you decide what’s best for your family:

• Does this media celebrate sin or normalize it?
• Does it promote good morals and life lessons?
• Are the themes and visuals appropriate for my child’s age?
• Does it encourage compulsive or addictive behavior?

Christian parents play a vital role in teaching children not just what to consume, but how to discern if something is spiritually healthy. Helping your kids ask these questions on their own can nourish spiritual growth and critical thinking.

With many helpful tools for parents out there, God’s word should still be at the heart of any decision. In fact, the Bible sheds meaningful light on all the issues we’ve covered. Below are a few helpful verses to meditate on and memorize:

• “Turn my eyes from looking at worthless things; and give me life in your ways.” —Psalm 119:37, ESV
• “Finally, brothers, whatever is true, whatever is honorable, whatever is just, whatever is pure, whatever is lovely, whatever is commendable, if there is any excellence, if there is anything worthy of praise, think about these things.” —Philippians 4:8, ESV
• “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” —Ephesians 5:15-16, ESV
• “But the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, self-control; against such things there is no law.” —Galatians 5:22-23

As these verses engage your mind and spirit, use that wisdom to make informed media guidelines for your family. Remember, you’re not alone either! If you’re ever unsure about what to do, reach out to your pastor or fellow Christian parents for advice.

Parenting as a Christian in a digital landscape 

Raising godly children is a big challenge—and the stakes have never been higher for their attention. But with biblical wisdom, they can swim upstream in a world of endless distractions.

When setting boundaries, the goal isn’t perfection. Focus on building healthy habits as a family every day. Over time, you’ll enable your kids to glorify God while having a balanced relationship with technology.

Resources/References

• Screen Time Guidelines for Kids, at Every Age: CHLA Experts Weigh In | Children’s Hospital Los Angeles
• Screen time and young children: Promoting health and development in a digital world – PMC

“He has filled them with skill to do all kinds of work as engravers, designers, embroiderers in blue, purple and scarlet yarn and fine linen, and weavers—all of them skilled workers and designers.” – Exodus 35:35 [NIV]

God has a unique design for each of our lives, and that includes how he created us to engage with the world. Hobbies can help us lean into those gifts and areas – both to serve others and take care of the mind, body, and spirit God’s given us.

According to an article by University Hospitals, when we engage in creative activities (like hobbies), we improve our overall health. Creative hobbies release stress, increase mental wellbeing, strengthen problem-solving skills and memory function, boost physical health, and more. That’s why having hobbies is important – it makes a positive impact on our lives!

How to find a hobby

God gave us our minds and our imagination to spark new innovations, ideas, and service opportunities. When we engage with our gifts and passions through finding hobbies, we ultimately reflect parts of His character to our biblical community. When picking or trying a new hobby, it’s important to decide what matters most, and what we hope to achieve.

What is a hobby?

A hobby is a pastime or activity that we pursue for enjoyment, relaxation, or out of the interests God’s placed in our hearts. It can be creative, artistic, physical, intellectual, social, or based in the natural world. Oftentimes, hobbies are part of obtaining a solid work-life balance, creating quality family time, or cultivating restorative soul care.

Evaluate where God is calling you

What lights you up with creativity and imagination? When you dive into those activities or passions that make your soul come alive, those are the hobbies you’d want to focus on. It’s always important to evaluate our desires against God’s will and purpose. As we do, remember that God is the ultimate source of all goodness, joy, and creativity.

Discover what you want to achieve

Are you hoping to spend time in solitude, gathering with community, or somewhere in-between? Do you prefer an activity that engages your body, your mind, or your soul? What is your ultimate goal? Jot down your answers to these questions, and you’ll uncover a corresponding hobby!

List of hobbies

If you’re feeling stuck, examples of hobbies can help us identify new ideas or areas we haven’t tried before. Take a peek at this quick-reference hobby list as a jumping-off point to get started:

• Painting
• Drawing
• Playing a musical instrument
• Paper crafting
• Solving puzzles
• Reading
• Scrapbooking
• Woodworking
• Running
• Collecting
• Hiking
• Sculpting/pottery
• Cooking
• Photography
• Building models or other projects
• Gardening
• Glassblowing
• Web design
• Camping
• Crocheting
• Paddleboarding
• Volunteering
• Baking
• Kite-flying
• Letter writing/pen palling
• Embroidery
• Calligraphy
• Thrifting
• Fishing
• Leatherworking
• Upcycling
• Graphic design
• Flower arranging or pressing
• Stargazing
• Bird watching

I joined Christian Healthcare Ministries because I liked the idea of sharing medical costs with other believers in a biblical way, rather than paying into traditional insurance that I didn’t fully trust. Though the monthly cost was less than health insurance, I was nervous. However, I knew if I was following God’s ways, I could trust Him to provide.

I’d been a member for a few years before needing to use CHM but, as a new empty nester, I was approaching the age where I needed to be more consistent with annual doctor visits. During my annual visit, it was determined that I needed to have some medical and blood tests done as preventative care.

Praise God that all my medical tests came back great!

When filling out my online forms, I had questions, and whenever I called CHM for help, I was always greeted by someone who was cheerful. I filled out the paperwork online and was delighted with how easy it was. I received cash-pay discounts from my providers and was able to get on low payment plans while CHM processed my sharing request.

One thing I’d like to tell fellow members: don’t hesitate to ask for self-pay discounts at your doctor’s office. To make sure you’re given the promised discounts, keep track of all the bills you’re submitting.

After a couple months, the CHM sharing checks began arriving in the mail, and I paid off my bills.

When I looked at my online health chart to verify the amount of my final payment to my provider, it was over $500 less than what my own records showed. I called the medical facility and explained the situation. The voice on the other end of the line said, “It looks like someone came back to your account and gave you a 40% discount. I don’t know who did it. This doesn’t usually happen.” I knew exactly who had done that—our generous and miracle-working God.

I called CHM to pay back my overshare and thanked Jesus for providing for our needs in the little things and in creative ways that we could never dream up. I told the young lady on the phone the story of why my bill was less, and she shared with me that she hears stories of how God provides for people daily. How encouraging!

Through Christian Healthcare Ministries, God has shown me His faithfulness and how He uses His children to provide for each other. He has also made me more aware of the “Big C” church all over the world that I am part of with CHM.

God knows exactly what we need. He is our provider. I love being a part of this ministry and giving toward other believers who have medical needs. Sharing monthly with a ministry that is honest and follows God’s Word gives me great joy. I also love praying over the prayer requests that I receive each month with my billing statement, and the opportunity to email that member with a word of encouragement.

I’ve gladly shared the good news about CHM with others. This ministry provides for believers’ medical costs in a biblical way and gives us the opportunity to give, pray for, and encourage those going through difficult times.

As I pray for fellow members, I ask that you pray for me to continue to have discipline in my life as I endeavor to eat healthier, exercise more, and manage my time wisely.

Thank you, CHM family, for your generous, faithful, and consistent giving. I look forward to meeting you in Heaven and sharing the amazing stories of how God provided for each one of us. God has, once again, shown me that He is always faithful.

We want to be loved, and, more importantly, God wants us to love, too [John 13:34]. One way to pour out God’s love to others is to build each other up in faith. Hebrews 10:24–25 [NIV] reminds us to “consider how we may spur one another on toward love and good deeds, not giving up meeting together, as some are in the habit of doing, but encouraging one another.”

Here are some meaningful ways to encourage one another:

• Pray for and with each other
• Speak life-giving words
• Show acts of kindness
• Celebrate victories and support through struggles

One way CHM members deliver this expression of love is through the notes of prayer and encouragement they send to fellow CHM members as they face seasons of difficult health issues. Through options like Prayers Unceasing, CHM Give, and the Prayer Wall, CHM members embrace the heart of the ministry by uplifting each other.

See how your prayers and encouragement strengthen your CHM family:

• Terri M., Brielle, NJ: I have received so many cards; I cried reading most of them. So much of God’s love is reflected in them.
• Tim H., Fremont, OH: As soon as I started my health journey with CHM, I was flooded with cards, letters, and prayers from my CHM family. The support and encouragement was immeasurable in its effect on my recovery.
• Colleen J., Cincinnati, OH: After the first appointment with the surgeon, we came home to multiple cards from CHM members who were praying for me! I received more cards with scripture verses over the coming weeks and was comforted knowing people whom I had never met were praying for me and trusting God with my health.
• Jerome B., Mansura, LA: For months after the surgery, I received cards from so many members. They all touched my heart.
• Nancy U., Brunswick, OH: During my illness, so many CHM members sent cards and prayers to help give me strength. I was overwhelmed with the caring and heartfelt messages, and they carried me through my illness.

We thank you, CHM family, for the love and generosity you pour out to your fellow members.

Download free encouragement cards that you can use to continue to show God’s love to fellow CHM members, friends, family, and more. You’ll find timeless truths tucked inside each card, along with space to personalize each note you share. It’s biblical community, lived out.

Imagine this: On your 18th birthday, you’re handed the keys to a brand-new car—any make or model you want. It’s spotless, powerful, perfectly tuned. But there’s a catch: You can never sell it, trade it, replace it. This is the car you’ll drive for life.

You’d maintain it carefully—get oil changes on time, park in the shade, check the tires before long trips, and never skip a tune-up. You’d treat it like a treasure—because it’s the only one you’d ever have.

In truth, that’s not just a metaphor. You have something you can never trade in: your body. And it’s far more precious than any car.

As the Apostle Paul reminds us in 1 Corinthians 6:19–20 [NIV],

“Do you not know that your bodies are temples of the Holy Spirit, who is in you, whom you have received from God? You are not your own; you were bought at a price. Therefore, honor God with your bodies.”

Our bodies are temples where God’s Spirit dwells. Yet many of us treat them like borrowed vehicles, running them hard, skipping maintenance, and hoping they’ll somehow hold together. As the new year begins, ask yourself:  What would it mean to honor God with the body He entrusted to you?

What the numbers tell us

Science affirms what Scripture says: Wise stewardship brings blessing. Numerous studies show that lifestyle choices—not genetics—account for most differences in health and longevity. Research from the Harvard T.H. Chan School of Public Health found that individuals who followed five simple habits—maintaining a healthy weight, eating a balanced diet, exercising regularly, not smoking, and limiting alcohol—lived, on average, 10–14 years longer than those who did not.

Other studies echo the same theme:

• Regular physical activity can reduce the risk of heart disease by up to 35% and certain cancers by 20–30%.
• Adults who eat fruits and vegetables daily have a lower risk of premature death from any cause.
• Quality sleep, stress management, and social connection all play measurable roles in physical and mental health.

Taking care of your body isn’t just about feeling better—it’s about living and serving God longer. The way we fuel, rest, and move our bodies directly affects how well we can fulfill the good works God prepared for us (Ephesians 2:10).

What motivates lasting change

Every January, millions resolve to “get healthy,” but most quit by February. Why? Because willpower alone rarely sustains lasting transformation.

Research in behavioral science and psychology suggests that lasting change comes when new habits align with deeper values and identity. The key isn’t just to lose weight or exercise more—it’s to see yourself differently.

In Romans 12:1–2, Paul writes:

“Therefore, I urge you, brothers and sisters, in view of God’s mercy, to offer your bodies as a living sacrifice, holy and pleasing to God—this is your true and proper worship. Do not conform to the pattern of this world, but be transformed by the renewing of your mind.”

Lasting health transformation begins with renewed thinking—seeing daily choices as acts of worship. When we walk, rest, eat, and care for our bodies unto the Lord, motivation shifts from guilt to gratitude, from “I have to” to “I get to.”

Studies from Duke University and the University of Michigan show that people who connect health goals to a higher purpose—faith, family, calling, or service—are more likely to sustain healthy behaviors. When exercise builds strength to serve others, and nutrition becomes a way to honor God’s temple, consistency follows naturally.

A renewed vision for the year ahead

So, as we step into a new year, consider this:

Your body isn’t disposable; it’s a sacred trust. It’s the vehicle through which you love, serve, and glorify God. It’s how you hold your children, lift up the weak, and live out the purposes He has for you.

You don’t need a gym or perfect diet to start honoring God with your body—just a renewed heart and a few small, faithful steps. Take a daily walk. Drink water instead of soda. Go to bed earlier. Pray as you move. Eat to nourish, not to numb your appetite.

Each of these choices says, “Lord, thank You for this temple. Help me care for it well.”

The car analogy reminds us that stewardship and gratitude go together. If you had one vehicle for life, you’d guard it carefully. You have one body—so honor God by keeping His temple strong, clean, and ready for every good work He has prepared for you.

References

1. Li, Y., et al. (2018). Impact of Healthy Lifestyle Factors on Life Expectancies in the U.S. Population. Circulation, 138(4), 345–355. – Harvard T.H. Chan School of Public Health study showing that adherence to five low-risk lifestyle habits (healthy diet, regular physical activity, healthy body weight, moderate alcohol intake, and no smoking) was associated with a gain of 10–14 years of life expectancy. https://doi.org/10.1161/CIRCULATIONAHA.117.032047
2. U.S. Department of Health and Human Services. (2018). Physical Activity Guidelines for Americans, 2nd Edition. – Summarizes evidence that regular physical activity reduces risk of heart disease by up to 35% and cancer by up to 30%. https://health.gov/paguidelines/second-edition
3. Oyebode, O., et al. (2014). Fruit and Vegetable Consumption and All-Cause, Cancer, and Cardiovascular Mortality: Analysis of Health Survey for England Data. Journal of Epidemiology & Community Health, 68(9), 856–862. – Found that higher fruit and vegetable consumption was associated with significantly lower risk of premature death. https://doi.org/10.1136/jech-2013-203500
4. Baumeister, R. F., & Tierney, J. (2011). Willpower: Rediscovering the Greatest Human Strength. Penguin Press. – Discusses the limits of willpower and why aligning habits with purpose and identity leads to sustainable behavior change.
5. Duke University Fuqua School of Business (2015). Purpose and Motivation: The Link Between Meaning and Sustained Effort. – Research highlighting that individuals who connect goals to a higher sense of purpose are significantly more likely to sustain behavioral change over time.
6. University of Michigan Center for Positive Organizations. (2016). The Role of Purpose in Behavior Change. – Explores how values-driven motivation improves adherence to health and wellness goals.
7. Holy Bible, New International Version. – Scripture references include 1 Corinthians 6:19–20, Romans 12:1–2, and Ephesians 2:10.

Words of encouragement can change a person’s day. As Christians, we believe that prayer transforms lives. That’s why our CHM staff prioritizes prayer and spiritual support for you, our members.

Through phone calls, emails, and devotionals to draw you closer to Christ, our desire is to glorify God.

God moves with each interaction

As we interact with you, our staff has the privilege of witnessing the power of God at work. Here are just a few moments
two team members shared from their experiences:

Ty Keller, CHM Member Support:

“We call members to pray with them in the midst of their pain, and God perfectly times these calls at exactly the right moment. Many members are encouraged and begin praising the Lord for His grace in their struggles.”

“I called a CHM member and asked If I could pray for her. She was having a very rough day, as she was grieving the loss of her husband and two children. She immediately recognized God’s timing in the call and was encouraged by His care for her in her sorrow. In turn, this grieving widow encouraged me! How great is God that He meets us in these small calls to magnify Himself and encourage His children.”

“I called a CHM family. When they answered, they were in the hospital with their seven-year-old son. They wondered how we could possibly know to call and pray with them at that moment! The doctors had been struggling to find out what was wrong, so his parents were very worried. Because of our call, they were encouraged that God heard their prayers. God is good!”

Tony Cucolo, CHM Authorization Specialist:

“I once called a mother who just miscarried. She was hurt and confused. I opened up about my own experience regarding the children I lost and how it affected me. She appreciated the call, and I was grateful to encourage her in Christ and His promises of life eternal.” – Tony Cucolo, CHM Authorization Specialist

“Praying with members shows them we aren’t merely part of a health cost sharing organization, but a body of Christians seeking to strengthen and encourage one another. Many times, I’ve made a call to a CHM member about an unrelated matter, only to hear that they were just diagnosed with cancer or lost a loved one. One member said she’d been praying that day for guidance from the Lord and took my phone call as a sign that the Lord was indeed hearing her prayers. The Lord, by His providence, leads me to these members. It’s not that I’m ‘special,’ but rather, that the Lord uses our interactions with members to encourage His sheep.”

Everything changes when God steps in

These are examples of God’s faithful presence and comfort when His children pray for each other:

• “My heart is touched by the loving generosity and faith of this Body of Christ. You didn’t know me, yet you took time to pray for me, encourage me, and lift me up when I needed it most. I felt the crushing weight of my situation lifted off my shoulders, and I suddenly realized I am not alone.” – Charlene O., CHM member from Oakley, KS
• “I don’t remember the name of the sweet staff member I spoke with on the phone. Through tears, I explained my medical situation. One of the first things she did was to pray with me and reassure me. Then, cards and emails started flooding in! It was the most amazing feeling knowing that people all over the country were praying for us.” – The Watts family, CHM members from Springtown, TX
• “I am very grateful for the sharing of our eligible bills by CHM members. I also appreciate the fact that CHM staff who answered questions on the phone also promised to pray for me. What a blessing!” – Jon E., CHM member from Laurium, MI
• “It’s comforting to know we have friends that will stand and pray for us in times of great and deep sorrow. Once again thank you so very, very much.”- Clifford Y., CHM member from Doylestown, OH
• “I want to praise our Lord and Savior for answering prayer. Daily, I received encouragement and strengthening from CHM friends and family. We never know how much this means to us until we are the recipient. What a blessed ministry.” – Jan H., CHM member from Plains, MT

Finding faith in the hard times

“For where two or three gather in my name, there am I with them.”

– Matthew 18:20 [NIV]

Finding faith may be hard during life’s trials, but you don’t have to face those trials alone. We’re here to support you. It’s not just what we do, it’s who we are as a family of Christians.

The enemy seeks to divide, steal, and destroy our hearts. But Jesus came so we’d live fully [John 10:10]. Directed by the grace and goodness of Christ, we stand in the gap with you. Whether it’s a prayer of intercession, hope, or healing, we’re ready to bring your requests to God.

CHM is different from insurance—and that’s a good thing. Whether you’re new to CHM or a long-time member, we want you to be confident and informed when it comes to your CHM membership.

Below are resources that make it easier to submit and check the status of your medical bills, understand medical bill eligibility, engage with the CHM family, and more.

Five ways to become a “CHM pro”

We’ve compiled our insider tips and tricks to help you get the most out of your CHM membership.

1. Schedule your annual visits and preventative care at the same time of the year (and consider using CHM’s Virtual Care Solution, powered by HealthTap). Your preventative medical care for the year can be combined and submitted as one incident per individual if there isn’t a 90-day lapse between appointment dates. This includes annual doctor visits, standard bloodwork, mammograms, colonoscopies, and routine testing ordered by your primary care doctor, including preventative dermatological skin exams. The combined bills must reach your individual program’s Qualifying Amount to submit for medical bill sharing. Use CHM’s Virtual Care Solution to get access to virtual primary care with a physician or urgent care services all included within your CHM membership.
2. Take the CHM Member Portal “tour.” The “tour” walks you through key features of your Member Portal and is the first step to discovering resources like the Prayer Wall, cost-saving tools for surgery, maternity, cancer, and more. After logging in to your portal, click the “signpost” icon in the upper right corner.
3. When certain medical events come up, such as maternity, surgery, or cancer, check first with CHM Care Solutions. Our Care Solutions offer quality healthcare provider recommendations, a simplified process, and savings on Personal Responsibility or out-of-pocket costs. The sooner you connect with us on your medical journey, the sooner we can connect you with quality providers and help you reduce your out-of-pocket costs, such as Personal Responsibility.
4. Read about the sharing request process before you have an incident. Uploading your medical bills is simple. Reviewing the steps in advance can help you approach the situation with greater confidence as you’ll learn what questions to ask your provider, how to request itemized bills, and ways you can reduce your medical bill costs.
5. Opt in to periodic emails and monthly text messages. By opting in to email and text messages, you can receive the latest updates about the ministry, program information, giveaways and contests, Refer-a-Friend rewards, and so much more!

Top resources for managing your membership

Manage your CHM membership with ease using these essential resources.

“Where did the light go? Why do I feel so lost?”

These are questions we may ponder in the winter seasons of our souls.

The weather is cold outside, and inside, the winter creeps in and casts a chilly frost over homes and hearts. In the darkest months of the year, our spirits often feel the strain. Whether we’re facing the general winter blues or battling seasonal depression, the winter months can have a way of bringing a deeper, mental darkness into our lives.

But even in the winter, especially in the winter, you’re never alone in the cold.

Winter sadness and seasonal depression

“I have told you these things, so that in me you may have peace. In this world you will have trouble. But take heart! I have overcome the world.”

– John 16:33 [NIV]

• When frozen hearts turn into frozen plans.
• When chilly temperatures turn into chilly conversations.
• When apathetic souls turn into apathetic use of our skills and talents.

It’s then that we feel some of the strain of the “trouble” Jesus talks about in John 16.

Internal emotional and spiritual winter storms create flakes and flurries of hurriedness, hopelessness, or harmful thoughts that snowball and keep us from fulfilling God’s purpose for our lives. Winter sadness and seasonal depression are tangible trials believers can face, even before the first day of winter officially appears. If we’re stuck in a snowbank of spiritual darkness or mental struggle, we despair and sometimes believe that muddling through is the best we can do.

But God is still working during the winter season.

Jesus is the light of the world

“I am the light of the world. Whoever follows me will never walk in darkness, but will have the light of life.”

– John 8:12 [NIV]

Sometimes we can only see far enough ahead to make it through the day, and that’s okay. God gives us what we need for each moment [2 Corinthians 12:19]. Each day has enough trouble of its own, so we don’t need to borrow worry from the future [Matthew 6:34].

Instead, sometimes it’s about taking the time to rest and gather glimpses of light amidst the winter shadows.

Such shadows only exist where light peeks through the cracks and crevices of our hearts. God never stops showing us the warming light of His love, even when we feel frozen, sad, or numb. God doesn’t shame us for having “winter” thoughts, feelings, or spiritual struggles. He wants us to cast our burdens on Him because He compassionately cares about us [1 Peter 5:7].

Admittedly, that’s often easier said than done, but it doesn’t change the fact that we have a God who’s always ready, always willing, and always tends to our hearts amidst our trials.

He wants to care for us.

He wants us to draw close as His dearly beloved children.

He wants us to lean in and listen to His voice.

He wants us to thaw our hearts in His presence.

He wants to walk with us in the wintertime.

All we need to do is allow Him to restore and comfort our hearts into wholeness.

If the idea of giving or receiving comfort is a struggle, please know that you’re not alone. If you or someone you know is walking through a dark season of grief, illness, or trial, don’t be afraid to draw from God and seek the support of your biblical community. He created us for connection. Reach out to a trusted friend, family member, pastor, or counselor to connect and share your challenges.

If you’d like to learn more about comfort during hard times, we created a free e-book about giving and receiving care. Download your copy here today.

No matter what your winter brings, know that Jesus is the steady light.

Your annual check-up isn’t just about today’s risks: it’s about protecting your tomorrows.

Dr. Michael Jacobson

A fresh start for the new year: Why your annual check-up matters

Every December we look ahead to the new year with fresh determination. We set resolutions to eat healthier, exercise more, and get our finances—or our lives—in order. But when it comes to health, our momentum often slows or disappears.

Scheduling your annual check-up with your primary care physician is one simple step to jump-start your New Year. In fact, it sets a strong foundation for all your other health goals.

Why annual visits matter

If you’re feeling fine, you might assume you don’t need to see your doctor, but research shows otherwise. Annual visits serve as a cornerstone of preventive care, helping you catch potential problems early while building a strong relationship with your physician.

A study published in Health Affairs found that adults with regular primary care relationships had significantly better health outcomes and lower overall healthcare costs. Another study in The Journal of the American Medical Association highlighted that preventive care visits are linked to higher rates of recommended screenings and vaccinations, which reduce the risk of serious disease.

This research shows that your annual check-up isn’t just about today’s risks: it’s about protecting your tomorrows.

What to expect from a visit: Preventive, not just reactive care

Too often, healthcare is reactive—we go to the doctor when something is already wrong. The annual visit flips that script into a proactive approach. Your physician can review your medical history, assess risk factors, and guide you in lifestyle adjustments that can keep chronic conditions such as diabetes, hypertension, or heart disease at bay.

Whether you see your physician in person or through a virtual visit, your annual check-up will include a review of your vital signs, health history, and preventive screenings. You may be asked about lifestyle habits such as diet, exercise, and sleep. Depending on your age and health status, your provider may order lab tests or recommend screenings such as blood pressure checks, cholesterol panels, or cancer screenings.

The goal isn’t just to check the boxes but to give you and your physician a clear picture of your health and a roadmap for the year ahead.

Virtual or in-person: Both make a difference

For CHM members, a convenient way to make a primary care physician visit is through CHM’s Virtual Care Solution (VCS), powered by HealthTap. Virtual visits address much of what an in-person appointment offers: medical history, preventive advice, and ordering labs or screenings if needed. If you don’t have a primary care physician for issues that require physical exams or hands-on procedures, your HealthTap physician can refer you toward appropriate in-person follow-up. With VCS, you don’t have to wait until you can schedule an in-office visit. Instead, you can begin today from the comfort of your home.

It’s important to note that CHM’s Virtual Care Solution is valuable because CHM programs are designed to support eligible bills arising from illness or injury. Routine wellness visits are only eligible for sharing when the Qualifying Amount is met. VCS visits are already included as part of your CHM membership. If lab work, imaging, or treatment arises from the check-up, your eligibility for sharing will be determined according to CHM Guidelines and your CHM program.

Making it part of your goals

If you’re looking for a practical, high-impact resolution for the coming year, put annual check-up at the top of your list. It’s one of the simplest and most effective ways to invest in your health, honor the body God has entrusted to you, and care for your family by being proactive about your wellbeing.

Don’t wait until something feels wrong, and don’t let this year slip by without making this investment in your health. With a visit, you can catch small issues before they grow into larger ones and equip yourself with knowledge and encouragement for the year ahead.

Log on to schedule your virtual annual visit with a HealthTap physician today—or call your primary care physician. It’s a small step now that can make a big difference in the year to come.

References

1. Levine DM, Linder JA, Landon BE. “Association of Having a Primary Care Physician With Health Care Utilization and Spending.” Health Affairs. 2019;38(6):1057–1064.

2. Ganguli I, Souza J, McWilliams JM, et al. “Preventive Care Visits and Preventive Care Delivery in Accountable Care Organizations vs Other Practices.” JAMA Internal Medicine. 2020;180(4):463–472.

3. Starfield B, Shi L, Macinko J. “Contribution of Primary Care to Health Systems and Health.” Milbank Quarterly. 2005;83(3):457–502. Why Consider a Second Opinion?

When my cardiology appointments went from once a year to every six months and then every three months, anxiousness set in. I ultimately went from being healthy to needing two heart valve replacements, one valve repair, and a bypass of a partially blocked artery.

Before my appointment with the surgeon, we called CHM. From our first call, our questions were answered, we felt cared for, and were prayed for by the staff. They even added me to their prayer request list.

The appointment was overwhelming: We thought we were looking at multiple options, but open-heart surgery was my only choice. I was scared; however, God was there. After this appointment, we came home to many cards from CHM staff and members in our mailbox with words of encouragement, scripture, and prayers. My eyes welled with tears—receiving those cards immediately after learning I would need surgery could only be God’s timing.

Anxiety engulfed me in the 12 weeks leading up to my surgery. I reached for my phone to do my own research, trying hard to grasp what little control I could. One night, I felt God telling me that I was looking to science and technology for peace and hope instead of Him. It changed my perspective.

Moments of doubt and fear caused me to look toward Scriptures like Psalm 61:2 that says, “From the ends of the earth I cry to you for help when my heart is overwhelmed. Lead me to the Rock that is higher than I, my safe refuge and fortress where my enemies cannot reach me.” I collected Bible verses that included the word “heart” to read when I couldn’t sleep instead of picking up my phone or looking on the internet.

I was in the hospital for nine days post-surgery, home for a week, then re-admitted for another week after some unexpected complications. Those expenses added up. However, being a CHM Gold member gave me peace—we knew our financial expenses would be met. The hospital finance department’s experience with CHM made them confident they would be paid, so they were willing to set up a payment plan and extend self-pay discounts while I waited to be reimbursed.

Two years later, I’m doing well in my recovery process and even participated in an American Red Cross 5K heart walk in my city.

Health issues affect all of us at some point in our lives, and I’m thankful for CHM amidst mine. As the early believers in the book of Acts cared for one another, CHM likewise provides a modern example of caring for one another through our healthcare needs.

 

My husband had back surgery late February. When I checked the mail this morning, there was the check. CHM shared the balance we owed the hospital, and the money we paid down minus the Personal Responsibility. Thank you, CHM members! To God be the glory!

-CHM members Steve and Michelle Howard, Caribou, ME

This sequence—going to the mailbox and seeing a CHM reimbursement check—was repeated thousands of times this year in the homes of CHM members across the country. It goes beyond dollars for the mother who needs life-saving treatment for her child, for the grandmother who took an unexpected fall resulting in surgery and rehab, and for the father hearing a scary diagnosis. It’s peace of mind. It’s a burden lifted. It’s more than a gift. And it happened because of you.

As we look back on 2025, here are things you’ve made possible so far*.

• More than 39,000 families were helped through medical bill sharing in 2025.
• CHM members have shared over $460 million and counting, towards other members’ medical bills.
• CHM’s highest month of medical bill sharing totaled nearly $60 million, which included 15,387 checks in CHM members’ mailboxes.
• As part of the medical bills shared, over $2 million went towards CHM Give, helping members’ medical bills for pre-existing conditions, such as knee replacements, shoulder pain, and heart failure.
• CHM members shared over $59 million through CHM Plus for members with illnesses exceeding $125,000.
• CHM SeniorShare™ members were helped with over $6 million in medical bill expenses.

An additional way to make a difference

Each year, by giving above your monthly contributions, members have a unique opportunity to bless other members. This year, members donated over $2 million so far to CHM Give, which goes towards members with medical bills for maintained pre-existing conditions.

Diane Wingate, CHM member from Valrico, FL, experienced firsthand the blessing of CHM Give: “It’s very humbling to ask for help. But because of the generosity of other people and CHM Give, I don’t have to worry about how my [eligible medical] bills are going to be paid. I can go on with my retirement.”

Behind the dollar amounts, individuals and families are impacted by your generosity and support. It’s not too late to give above and beyond for the 2025 year and help members with their eligible medical bills like Diana, the Howards, and Ramona (below). You can give a tax-deductible donation to CHM Give.

Your gifts this year are appreciated and cherished—you’re lightening the burden for others.

The financial strain from medical bills can become overwhelming and every bit of relief received from CHM [members] is a true blessing!

– CHM member Ramona, Texas

*Editor’s note: Stats reflect data through October 31 at the time of writing.

CHM helps you stretch your healthcare dollars, so you can begin the new year saving on healthcare costs and have more peace of mind.

Automated bank withdrawal

Starting Jan. 1, 2026, CHM members can save 3% on future monthly contributions when they sign up for recurring automatic bank withdrawals, download the CHM Portal App and opt in to email and text messages (not eligible for members in Maryland).

By opting for automatic bank withdrawal—a cost-effective way for the ministry to process payments—members can enjoy the benefit of receiving that savings back.

If 15% of members switched to automatic bank withdrawal, up to $1 million from credit card fees could be rerouted towards sharing eligible medical bills for CHM members.

We encourage you to update your payment information to automatic bank withdrawals, which can be done through your Member Portal or on the CHM Portal App by following these steps:  

• Log into the Member Portal. 
• Select “Billing” in the navigation 
• Select “Manage monthly contributions” 
• Select “Payment Methods” to update, edit or add your payment methods, and choose “ACH”
• Don’t forget to download the CHM Portal App and opt in to email and text messages. You can opt in by following this link and filling out the form.

More savings

Here are more ways to save with CHM:

• Use CHM Care Solutions:
  • Virtual Care Solution (powered by HealthTap) – Primary care and virtual care visits are already included in your CHM membership.
  • Complete Surgical Care Solution (CSCS)- Use quality medical providers through CSCS for eligible surgical procedures and receive a $1,250 membership credit.
  • Cancer Care Solution (CCS)- Receive eligible cancer treatment through CCS and receive a $1,250 membership credit.
  • Maternity Care Solution- Contact us within the first 16 weeks of pregnancy and receive $500 off your Maternity Personal Responsibility.
  • Prescription Care Solution- Get tips and resources to save money on prescriptions.
• Refer-a-Friend: Tell your friends about CHM and receive a $200 reward credit when they join.

Tangy, tender, spicy, or sweet, pickles have a crispy crunch and distinct flavor. With many varieties to choose from, there’s a pick for every person’s preference.

In fact, the condiment isn’t just beloved – it’s celebrated in many cultures. For example, in the United States, every Nov. 14 is known as “National Pickle Day.” Additionally, in Germany, an ornamental pickle is often hidden on a Christmas tree as part of the holiday celebrations, and the person who finds it typically receives an extra present.

Love them or hate them, pickles serve as a popular side, standalone snack, or cultural tradition. But what if humanity’s fascination with pickles goes a bit further? What if…people are a lot like pickles, too?

When creating the perfect pickle, cucumbers are added to a specially created marinade or brine to soak up the surrounding seasoning or spices. Similarly, our lives soak up our “marinade” (environment) based on the “ingredients” (mindset and community) we select. That’s why it’s crucial to stay in step with God: we need to know how to pick the right recipe, otherwise our brine might turn out to be more sour than sweet.

Identity in Christ

We’ve all met a “sour pickle person.”  Originally starting full of flavor and zest for the Lord, this is the believer who gets disillusioned and worn out by the trials of life.  Whether it’s through unforeseen life circumstances or intentional personal choices, Christians often start believing lies that taint their brine with bitterness.

Unfortunately, if we sit in this state long enough, it’ll eventually wear away at our intrinsic beliefs: our identity, our worth, and our God-given purpose. It can even keep us trapped in destructive cycles of bondage, defeat, isolation, or addiction. The more we pull away from God’s plan for us, the more we leave our biblical community behind and forget who we are in Christ.

God wants us to create a “marinade” with Him so that we’re steeped in His goodness, grace, and purpose for our lives [Jeremiah 29:11]. However, the enemy of our souls has a sneaky way of slipping sour ingredients into our recipe. Oftentimes, our brine turns into a spiritual battleground as we struggle to steady our souls.

However, there’s a crucial difference between people and pickles, and it’s one the enemy would love for us to forget:

God is for us, and He’s given us the free will to change our life’s recipes and relationships.

We, as believers, have access to the power of Christ through His finished work [Romans 8:11]. Our new identity is found in Him:

“Therefore, if anyone is in Christ, the new creation has come: The old has gone, the new is here!” – 2 Corinthians 5:17 [NIV]

Making this the foundation of our lives helps us to fulfill our God-given purpose and prevents us from turning into “sour pickle people.”

How to meditate on God’s Word

Here’s the truth: What you believe in your heart determines both who you are and who you will become [Proverbs 23:7]. What’s more, you are who you surround yourself with [Proverbs 12:26]. Where you set your focus, and who your community is, will ultimately determine the outcome of your life.

When we stay centered on what God says about us in His Word, we start aligning our souls with His spiritual reality. It’s often easier said than done, especially when we find ourselves “in a pickle” or burdened down with an identity crisis. In those moments, it’s okay to pause, take a breath, and ask God for His strength. He wants us to fulfill our purpose. He wants us to sit and soak in His goodness. All we need to do is take that first step towards believing the truth.

When we believe what’s true, our lives align with the reality found in God’s Word. That’s why creating a daily devotional rhythm that includes time in prayer, thanksgiving, and communion with Him makes a difference. Starting small with a 5-minute moment of reading, or a daily challenge to memorize one verse about your situation, can align your perspective with His.

Here are a few Bible verses on identity and purpose to get you started:

• “Therefore, as God’s chosen people, holy and dearly loved, clothe yourselves with compassion, kindness, humility, gentleness and patience.” – Colossians 3:12 [NIV]
• “For we are God’s handiwork, created in Christ Jesus to do good works, which God prepared in advance for us to do.” – Ephesians 2:10 [NIV]
• “I praise you because I am fearfully and wonderfully made; your works are wonderful, I know that full well.” – Psalm 139:14
• “See what great love the Father has lavished on us, that we should be called children of God! And that is what we are!” – 1 John 3:1 [NIV]
• “So you are no longer a slave, but God’s child; and since you are his child, God has made you also an heir.” – Galatians 4:7 [NIV]
• “For I will pour water on the thirsty land, and streams on the dry ground; I will pour out my Spirit on your offspring, and my blessing on your descendants.” – Isaiah 44:3 [NIV]

By sitting at His feet and choosing to engage with biblical community, you’ll be empowered to fulfill God’s calling for your life.

Jesus isn’t scared of the current state of your “pickle brine.” He just wants you to let Him into your life. When you do, He’ll be ready and waiting to hand you fresh, life-giving ingredients for your marinade so your soul can soak in the sweetness of His love.

With CHM’s Virtual Care Solution, members have access to virtual primary care physician (PCP) visits (included as part of their CHM membership), making HealthTap a great resource to stay well! Virtual Care Solution (VCS), powered by HealthTap, provides easy access to primary care virtual visits for CHM members* However, deciding to see a doctor virtually raises questions about how quality care can be accomplished across a screen. With Dr. Geoffrey Rutledge, chief medical officer and HealthTap founder, we’ll tackle the most common myths about virtual healthcare.

Myth #1: Isn’t virtual primary care only needed by people who don’t have a primary care physician (PCP)?

Dr. Rutledge: People who already have a good relationship with an in-office PCP can also benefit from having a virtual PCP. The convenience, accessibility and lower cost of virtual care makes virtual care valuable for anyone, even those who already have an office-based PCP. A virtual PCP will coordinate their care with the in-office doctor, send copies of their virtual visits to the in-office doctor, and refer to their in-office doctor when an in-person visit is needed. The in-office PCP can also continue to provide an annual physical examination when it’s indicated. 

Dr. Jacobson: It’s often standard for patients to wait an average of 28 days to get into their in-person family physician. Patients can be seen sooner or have a first visit virtually. Plus, if a patient doesn’t really need to go to the emergency department or urgent care, but shouldn’t wait for several weeks, a physician-to-physician phone call can often help facilitate getting them in more quickly, as both doctors will have a common understanding of the patient’s condition, need, and degree of urgency.

Myth #2: Isn’t virtual care considered lower quality care?

Dr. Jacobson: Another common misconception is that virtual care is “lower quality” simply due to the format, but this wasn’t the case when standardized quality measures were compared between patients with office-only (in-person) visits and those doing virtual visits.

Dr. Rutledge: Exactly! Studies have shown equal or greater objective measures of primary care performance from remote visits compared with the same measures for in-office visits. For example, a recent study published in The Journal of the American Medical Association (JAMA) demonstrated that virtual visits were equal to or better than in-office visits for 13 of 16 objective quality measures of primary care performance. Some of those quality measures included patient conditions being well-controlled or managed, preventative measures being taken, and more.

Myth #3: Don’t I need an in-person visit to be evaluated?

Dr. Jacobson: One common myth is that a doctor must perform an in-person physical examination to evaluate a patient.

Dr. Rutledge: A thorough patient history is the most important, and often the only information that supports a doctor’s diagnosis. In fact, for routine in-office visits, doctors don’t usually do a physical examination.

When doctors do physically examine patients, it’s often done simply to connect with the patient and establish a rapport — and because it is expected. In routine practice, and when there is no suspicion of a specific problem, the elements of the physical examination are rarely done, and almost never provide information that has any impact on the delivery of care. What’s more is that there are many aspects of the traditional physical examination that can be performed via video consultation.

Dr. Jacobson: Yes, several components of the physical exam can be accomplished virtually, such as a patient measuring their own vital signs (pulse, blood pressure, and respiratory rate). Plus, many components of a physical exam can be accomplished via mobile devices, whether by direct observation through a camera, or by the patient taking a photograph of the area of concern and uploading it to the physician.

Dr. Rutledge: It’s true: doctors can advise their patients on which home measurement devices to get and how to record their readings at home or in a healthcare app. So, the need for vital sign measurements alone isn’t a reason to require an office visit.

Myth #4: Don’t doctors need to meet patients in person to establish trust?

Dr. Jacobson: A fourth common myth is that a relationship of caring and trust can only happen when a doctor meets a patient in person. However, rapport can be developed in other ways, correct?

Dr. Rutledge: Fortunately, using high-resolution video and audio technologies, doctors can develop surprisingly strong doctor-patient relationships without ever meeting their patients in the office or performing a physical examination. Patients tell us they are delighted when, during a video visit, their doctor looks at them intently, listens to what they say, and responds directly to their concerns. This patient interaction is also greatly enhanced by the lack of other distractions in the typical busy office.

*Editor’s note: Virtual care visits outside of CHM’s Virtual Care Solution are not eligible per CHM Guidelines.

References:

• Comparison of Quality Performance Measures for Patients Receiving In-Person vs Telemedicine Primary Care in a Large Integrated Health System. Baughman DJ, Jabbarpour Y, Westfall JM, et al. Comparison of Quality Performance Measures for Patients Receiving In-Person vs Telemedicine Primary Care in a Large Integrated Health System. JAMA Netw Open.2022;5(9):e2233267. doi:10.1001/jamanetworkopen.2022.33267.

CHM has meant so much to me and my family. They’ve helped us save money on health costs, and I love sharing about CHM so that others can save too.

CHM is run by Christians and is for Christians who come together to bear one another’s burdens. We’re part of a ministry that takes care of one another through some of life’s most challenging times. Earning $200 referral rewards by sharing CHM with others is a bonus that has saved us money, too! 

Top tips when referring CHM to others

1. Tell others why you chose CHM and be open about your experience.

One top question I get is, “Does it actually work?” The short answer is yes, but people relate more to stories and examples. Through knee and ankle injuries and most recently welcoming our son into the world, CHM has shown up every step of the way. I explain how CHM has prayed for us, answered questions, and given guidance. When I don’t have the answers, I encourage them to contact CHM directly.

2. Explain how CHM is different from traditional insurance, and why that’s a good thing!

Health cost sharing can be a leap of faith for those who have always had traditional health insurance. I like to share the advantages of a health cost sharing ministry. CHM doesn’t have a provider network—you choose the healthcare provider that’s best for you and bills are shared according to the CHM Guidelines. The Guidelines determine what medical expenses are eligible for sharing, which is great, because they help CHM members share medical bills according to biblical principles.

3. Share CHM on social media.

If you want to refer others to join CHM, but are nervous or don’t know where to begin, start by posting about CHM on social media. It can be an easy way to spread the word to your Christian community. Invite people to ask you about your experience. You never know who might need it and how it may change their life. Since I started telling others about CHM, my confidence has grown. I’m thankful I took the first step to tell someone about my experience.

Referring friends to CHM allows us to save money, but even more rewarding are the individuals, couples, and families who have switched to CHM and have come back to tell me how grateful they are. Many wish they’d heard about CHM sooner!

Open enrollment is a great opportunity to start sharing CHM. By using these tips, you’ll be well on your way to helping others discover this alternative to insurance and start earning referral rewards yourself.

Learn more about referring friends to CHM: https://member-portal.chministries.org/refer-a-friend/.

*Editor’s note: Katie Jones has been a CHM member for over four years. She’s a certified Christian financial counselor and the founder of Agape Investing and Redeeming Your Finances. Connect with Katie and learn more by visiting RedeemingYourFinances.com.

New 2026 monthly contribution amounts

Each year, CHM leadership conducts a rigorous analysis to ensure your ministry is in the best position to financially and spiritually support CHM’s hundreds of thousands of members. That process was recently completed and here are the new monthly contribution prices that were approved:

• CHM Gold – $299 per unit
• CHM Silver – $169 per unit
• CHM Bronze – $115 per unit
• CHM Plus – $42 per unit
• CHM SeniorShare – $119 per unit

There are no changes to Personal Responsibility or Qualifying Amounts.

Effective dates

There are two different scenarios for when the new monthly contribution amounts will go into effect:

• New members who enroll beginning Oct. 15, 2025 start with the new contribution amounts.
• Current members will start the new contribution amounts on Jan. 1, 2026.

Why the increases?

These adjustments help CHM keep up with inflation and the increasing cost of healthcare. They will allow the ministry to continue sharing 100% of eligible medical bills in a timely manner. CHM keeps costs low and practices careful stewardship of members’ contributions: the operational costs of CHM are less than 10 cents of each dollar we receive.

We believe that our increases are less than you’d find with insurance or even other health cost sharing ministries. With CHM, you also have the freedom to choose your healthcare providers, along with the prayer and support of our nationwide Christian family.

We work to improve the value of your membership every year. In 2025, CHM added:

• HealthTap as our new Virtual Care Solution provider
• A CHM Member Portal app
• Cancer Care Solution
• Technology to expedite the sharing process

Ways to save

Here are additional money-saving opportunities for your CHM membership:

• Starting Jan. 1, 2026, get 3% savings when you use automated bank withdrawal for recurring monthly contributions, download the CHM Member Portal app and opt-in to email and text messages.
• Refer-a-Friend: Tell your friends about CHM and receive a $200 reward credit when they join.
• Use CHM Care Solutions:
  • Virtual Care Solution (powered by HealthTap) – primary care and virtual care visits that are already included in your CHM membership
  • Complete Surgical Care Solution – Save on costs for surgical procedures and receive a $1,250 membership credit
  • Cancer Care Solution – Save on costs for cancer treatment and receive a $1,250 membership credit
  • Maternity Care Solution – Save on costs for childbirth and receive $500 off your Maternity Personal Responsibility
  • Prescription Care Solution – Get tips and resources to save money on prescriptions.

Find details on the Member Portal by navigating to “CHM Care Solutions.”

We appreciate your understanding and trust that this increase in monthly contributions is necessary to continue serving our members.

In February of 2021, our son, Wesley, started having severe pain in his groin/right leg. He couldn’t walk on his leg and was in pain whenever he stood. We thought he’d pulled a muscle while skiing.

An initial course of treatment helped at first, but after a few weeks the pain returned. This prompted a visit to the hospital to see if there was anything broken. Nothing was found, and the pain eventually went away.

That summer, Wesley began walking on his tiptoes, and his right hip appeared higher than his left. Concerned, we took him to an orthopedic surgeon who told us that Wesley had Perthes Disease.

Since February, Wesley’s hip bone had been dying and fragmenting.

Wanting a second opinion, we went to see a doctor in Salt Lake City. She confirmed the diagnosis of Perthes Disease, telling us that physical therapy could help the blood flow come back.

After four weeks of physical therapy, we learned that the bone had fragmented even more and blood flow had not returned.

Surgery was inevitable. Due to the severity of Wesley’s condition, invasive surgery was necessary.

Fairly new to CHM at the time, we didn’t understand how the sharing process worked. My wife called and talked to CHM staff regularly; they were always helpful and patient. They helped us with paperwork and answered our questions.

Wesley’s surgery was intense. They had to break his pelvic bone in three places and reshape it to help protect the ball of his hip and femur.

Recovery was rough. The first few days in the hospital were painful for him. He had to be non-weight bearing for six weeks. He was in bed a lot during the first couple of weeks. After three weeks, using a wheelchair, he went back to school.

After six weeks, Wesley was able to start physical therapy. It was hard for him to walk using his right foot (heel to toe) as he’d walked on his tiptoes for almost nine months.

It was during this challenging time that we received many cards of encouragement through CHM Give. The cards expressed members’ concerns and prayers for Wesley. They were a great help and blessing.

Wesley is doing very well now. This last year he received clearance from his doctor to participate in sports again. Wesley will have to have a hip replacement on his right hip when he is in his 20s or early 30s, and he’ll always have a slight limp.

Wesley had a positive attitude during this entire process. There were moments of discouragement and uncertainty, but he wasn’t discouraged for long. We are so thankful for the power of prayer—and especially those from our CHM family. Prayer, along with Wesley’s positive attitude, helped us through this difficult time. Our Heavenly Father was watching over us, teaching us to be patient, and helping us understand that whatever happened, we would be okay. Through the Heavenly Father’s plan, it all worked out how it should, and we will move forward with faith whatever should come our way.

 

Turkey, stuffing, and pumpkin pie—oh my! 

Thanksgiving has become synonymous with abundance, from tables overflowing with food to the rush of Black Friday that follows. But at its heart, Thanksgiving has always meant something deeper.

Thanksgiving is a reminder to lift our hearts in gratitude to God, the giver of every good gift [James 1:17]. As we gather around the table with reverence, we remember His faithfulness, rejoice in His blessings, and share His love with others. Together, we’re the Body of Christ—bearing one another’s burdens, celebrating His provision, and extending grace outward. True thanksgiving begins with Him and overflows into the lives of those around us.

Good community

The first Thanksgiving was born in fellowship. The Wampanoag people shared knowledge and resources with the Pilgrims, helping them survive and thrive in a new land. Without this partnership, history may have been very different.

As believers, community is not optional—it’s essential. Scripture repeatedly emphasizes the power of fellowship, and for good reason. Biblical community offers countless blessings, including:

• Mental, emotional, and spiritual health: Community reduces loneliness, nurtures joy, and provides encouragement, empathy, and prayer in seasons of suffering [1 Thessalonians 5:11].
• Belonging, support, and collective strength: We have greater impact when working together toward common goals. We achieve greater results by pooling ideas and problem-solving together, and by sharing burdens and blessings, we mirror God’s family design (Galatians 6:2).
• Strengthened faith: Gathering with believers deepens our understanding of God’s Word [Acts 2:42] and strengthens our walk with Jesus through prayer and worship.
• Accountability in holiness: Biblical community holds us accountable. Through fellowship, we can lovingly correct each other, encourage one another, help resist sin, and grow in Christlike character [Hebrews 10:24–25].
• Living out the Gospel: Unity in the Body of Christ demonstrates God’s love to the world [John 13:35], especially when we serve each other in sacrificial love [Galatians 5:13]. The Body of Christ shines brightest when we share resources and support, lifting each other up in times of need.

Come to the table

Thanksgiving is an opportunity to honor God through our fellowship, and approaching Christian community with reverence means remembering that fellowship is more than social connection—it’s a holy gift. Here are some ways we can be God honoring as we fellowship with each other—and even non-believers—this Thanksgiving:

• Pray first: Before you gather ask the Holy Spirit to prepare your heart and fill you with love.
• Cultivate gratitude: In the true theme of Thanksgiving, posture your heart with gratitude, and thank God for the gift of belonging. A grateful heart turns social gatherings into worship.
• See Christ in others: Remember every person is created and loved by God, worthy of love and grace. Whether with close friends, strained family relationships, or church community, treat each person as an image-bearer of God.
• Come to serve, not just receive: Ask, “How can I bless or encourage someone today?” Approach your Thanksgiving gathering with humility, ready to listen and build up others.
• Treasure God’s Word together: Show up with eagerness for Scripture, not just social bonding. Reverence grows when the Word remains central.
  

At its best, Thanksgiving is more than a holiday—it’s a glimpse of God’s kingdom. When we come together with grateful hearts, united in Christ, our approach to community becomes a living testimony of His love.

Thanksgiving reminds us to embrace thankfulness and reflect on ways we can respond to how we’ve been blessed. You’re making a difference in others’ lives just by being a CHM member. In the spirit of Thanksgiving, here are several ways you can bless others even more—this holiday season.

Financial support

You can give extra to other members financially through CHM Give, one of CHM’s options for sharing eligible medical bills for maintained pre-existing conditions. It’s funded solely through generous donations from CHM members and others.

Here’s how CHM Give works: Members give above their monthly contributions, and these funds are dispersed to members with qualifying medical expenses. You can give easily through your CHM Member Portal or by mailing a check to CHM designated for CHM Give. Collectively, in 2025, CHM members gave over $1.5 million, and counting, towards CHM Give. Visit our CHM Give page to get involved.

Spiritual support

CHM members often share the powerful impact of prayers from both staff and fellow members. They’ve been brought to tears by cards of encouragement from complete strangers—connected only by faith and the experience of sharing medical bills. Prayers Unceasing are prayer requests from fellow members included in your Member Contribution Form and under the “Billing” tab of your Member Portal. Each month, you can pray for and send an uplifting note to those in need. Get involved by printing the Prayers Unceasing list, keeping it in your Bible or where you’ll see it often—and send an encouraging card today.

The Prayer Wall is one of the newest ways to give spiritual support to members. Located on the Member Portal, the Prayer Wall is an online prayer board where members can submit a prayer request or pray for someone else. As you pray, you can click the “I Prayed” button, letting them know they’ve been lifted up in prayer and are not alone.

Make a difference

As you think about where to give during this season of thankfulness, we hope you’ll consider donating to CHM Give, as you’re able, and offering spiritual support and encouragement through one of our prayer channels. Thank you for your generosity. It’s making all the difference.   

“Knowing CHM [members are] by my side is a great blessing. I can rest knowing that bills will be taken care of, and I can focus on getting better. God is using the CHM family to truly bless my life. Thank you very much!”
Blessings,
Cheryl Myers, Avilla, IN.

Has this happened to you? A large medical bill from the hospital shows up in the mail. You call the hospital and discover that your visit last month fell outside of your health insurance coverage. The entire cost now falls on you.  

As a college student with limited income, this is where panic might start creeping in. Paying out-of-pocket on a shoestring budget is a major burden—add that on top of school costs, rent, groceries, and gas.  

But here’s the good news: you don’t have to face medical bills alone. There are practical steps you can take to reduce or even eliminate what you owe. Plus, Christians have an affordable solution for sharing medical costs through CHM. 

The first and most important step after receiving your initial bill is requesting an itemized bill. The itemized bill is a detailed list of every service, test, or medication charged for. Instead of a vague consolidated bill or explanation of benefits, this breaks down your exact costs line by line. 

Why is this essential? Medical billing errors are extremely common. Studies show that up to 80% of hospital bills contain mistakes. This is due to the complex nature of medical billing that creates countless opportunities for error.  

When looking over your itemized bill, you might find charges for services you didn’t receive, duplicate fees, or incorrect codes. Carefully reviewing this lets you challenge unnecessary or inflated charges before paying. Address any issues with the billing department and then make sure they send you a corrected itemized bill.  

If your bill is accurate but still higher than you can afford, ask about payment plan options. Many urgent care centers and hospitals allow patients to split costs into smaller, manageable monthly payments or installment plans. 

Your hospital may also have charity care programs. These provide free or reduced-cost care for patients who meet certain income requirements. Students typically qualify for these and can apply for them after receiving a bill.  

A charity care program may involve filling out a form, providing proof of your income level, and submitting it to the hospital. There’s often a very generous window of time (over six months) to apply, so there’s no need to rush during a busy semester. 

Another tip: it’s often easier to get discounts if you offer to pay the bill the same day. This is great leverage to show the billing department that you’re serious about paying. Persistence here can secure big savings to make your final bill much less burdensome. 

Plan ahead for expensive medical bills with CHM 

The best way to handle big medical bills is to prevent them from becoming a crisis in the first place. That’s where Christian Healthcare Ministries (CHM) can help. 

CHM is the original health cost-sharing ministry. Unlike traditional insurance, CHM operates on a biblical model of Christians helping Christians with health expenses.  

Members contribute a set monthly amount, and those funds are used to share each other’s eligible medical bills. For students, young adults, families, or seniors, CHM offers: 

• Affordable monthly contributions starting at under $120 per unit. 
• Flexibility to choose your own certified doctors and hospitals—no restrictive provider networks. 
• A supportive Christian community that not only helps financially but also prays with and for you. 

Unlike health insurance, we provide transparency, compassion, and flexibility. After becoming a CHM member, your future bills are shared by other believers. 

To summarize what we’ve covered, here’s a simple checklist you can follow when a medical billing issue arises. 

• Request an itemized bill and review it for errors. 
• Challenge mistakes and ask for corrections. 
• Ask about payment plans at urgent care centers and hospitals. 
• Explore charity care programs for financial relief if you qualify. 
• Seek discounts and ask for help from student resources or billing advocates. 

CHM, your health insurance alternative 

Getting a surprise bill is stressful, but it doesn’t mean going broke. Knowing your options and exploring discounts allows you to approach medical care with confidence. 

Following the guidelines, CHM members get medical care knowing that costs will be shared with other believers. If you’re ready to find an affordable, faith-based alternative to health insurance, join CHM today!  

Anger. Fear. Disgust. Happiness. Sadness.

These are the emotions we learn in childhood. Subconsciously, we assign values to them, deciding if they’re “good” or “bad” based on patterns modeled for us by parents and peers. We may make decisions based on their existence or shut them off entirely out of self-preservation. Either way, we become ever aware of their impact on our heart, walk with Christ, and interactions with others.

As adults, when we start to unpack (or repack) our emotional selves, we dive deeper and recognize the hold emotions have on our lives. We often ask:

• What does God say about our emotions?
• Are they inherently “good” or “bad”?
• Do they even matter anyway?

The answers are found in unlocking God’s design for emotional intelligence.

What is emotional intelligence, and why is it important?

Emotional intelligence is all about awareness. In fact, it means recognizing:

• Our emotions and the emotions of others
• Our ability to make sense of those emotions
• Our capacity to receive, acknowledge, and understand emotions
• Our skills in self-regulation, empathy, motivation, and decision-making

As believers, we often label showing (or sometimes even experiencing) emotions as undesirable. On one hand, we may believe we must keep our emotions “bottled up,” while simultaneously ignoring or pushing down the emotions of others. On the other hand, if we freely feel our emotions, we may run the risk of letting our emotions run us.

It’s true that we don’t want to be ruled by our emotions. In fact, we’re called to bring every thought and emotion to God:

“We demolish arguments and every pretension that sets itself up against the knowledge of God, and we take captive every thought to make it obedient to Christ.” – 2 Corinthians 10:5 [NIV]

However, as humans, it’s important to remember we’re created in the image of God [Genesis 1:26-27]. That includes our emotions, too. Throughout the Bible, we see examples of God feeling love, sadness, righteous anger, and more. Jesus even cried at the death of Lazarus [John 11:25], giving us a tangible display of inner emotional empathy.

If God, being holy and perfect, can feel emotions, we can too.

If God, being holy and perfect, can display emotions, we can too.

If God, being holy and perfect, can show emotional empathy for others, we can too.

We, being imperfect, will never have perfect emotional awareness on this side of heaven. However, we shouldn’t condemn ourselves for our emotions. Instead, we can embrace and view them as signposts—gifts given by God that can be used for His glory. As Jennie Allen, author of “Untangle Your Emotions,” writes:

“When we deny our pain, losses, and feelings year after year, we become less and less human. We transform slowly into empty shells with smiley faces painted on them.”― Jennie Allen

God doesn’t want empty shells. He wants emotional beings.

Building blocks for emotional and mental health

Having high emotional intelligence means relating to ourselves and others effectively. When we’re in tune with our emotions, we cultivate mental wellbeing. This is crucial as we unpack and separate our thoughts from our feelings, experiences, pains, and purposes.

Here’s a breakdown of ways to start building emotional intelligence:

• Play the name game: Start by identifying what’s going on. Give it a name and explore the additional layers of what you’re experiencing, both externally (physically) and internally (mentally).
• Limit labels: Resist assigning value to emotions. Emotions aren’t inherently “good” or “bad.” Allow your emotions to exist and act as signals to dig into what’s really happening.
• Feel, release, and invite redemption: Begin practicing self-awareness and allow yourself to truly feel the emotions you’re experiencing. Release those emotions to God and invite Him to share His perspective with you.
• Build communication skills: Learn more about conflict resolution, active listening, non-verbal cues, and other effective ways of communicating.
• Challenge internal narratives: No matter what your emotional state looks like, God always invites us into new beginnings. Stop negative thought spirals by journaling, getting outdoors, or asking a trusted friend to be your emotional accountability buddy.
• Chat and unpack: Explore emotional awareness by scheduling time with a trusted friend, mentor, pastor, family member, or counselor.

You are not alone

Becoming emotionally intelligent isn’t easy, but it’s always worth it.

When we invite God into our emotional lives, we experience His transformative power and goodness. It might not always look like we’d expect, but we can trust that His plans are ultimately for our good [Jeremiah 29:11]. Our emotional pathways may be a bit rocky with unexpected twists, turns, and inner turmoil. However, the more we tend to our emotions, the more we can remove the stones and weeds that trip our souls and wind their way around our hearts.

The best part? God meets us where we are.

Tending to our emotions might look like spending time in a worship session, having a heart-to-heart with a friend who hurt us, or taking a few mental health days to recharge. It might look like sitting in a counselor’s office with a couple crumpled tissues in our pocket. No matter how it looks on the outside, know that the inner work of Christ will transform your outer life.

When we talk about breast cancer screening, we often think of the mammography appointment itself—a scan, a result, a next step. But the journey toward early detection starts long before then. It starts in the exam room (or video visit) with your primary care doctor.

Primary care physicians (PCPs) play a critical role in catching breast cancer early—when it’s most treatable. And they do that not just through referrals, but through conversations, listening, and relationship-based care.

Where screening really begins

Many people assume screening is only about imaging. But a doctor’s first—and sometimes most powerful—tool is asking the right questions. During routine visits, your PCP is gathering key information that helps determine your personal breast cancer risk.

This includes:

• Family history of breast or ovarian cancer
• Genetic predispositions, like BRCA mutations
• Lifestyle factors such as alcohol use, smoking, and physical activity
• Reproductive history, like age at first period or menopause

Even if you’re feeling fine, these risk factors matter—and they might not come up unless you’re seeing a primary care doctor regularly.

So when should screening start?

This is one of the most common questions—and one filled with myths. Many people think: “I feel healthy. I don’t have a lump. So I don’t need a mammogram yet.” But breast cancer often has no symptoms early on, and waiting until there are signs can mean finding it later, when treatment is harder.

The latest U.S. Preventive Services Task Force guidelines recommend:

• Women at average risk begin screening mammograms at age 40, every 1–2 years
• Those at higher risk may need to begin earlier—or get additional types of screening

Your primary care doctor can help assess that risk and create a personalized screening plan that’s right for you.

The bottom line: See your PCP sooner, not later

Early detection doesn’t just happen. It’s built through ongoing relationships, open conversations, and access to the right care at the right time. Your primary care doctor is your first line of defense—not just in breast cancer screening, but in keeping you healthy overall.

Take the next step: Book your primary care visit

• If you’re 40 or older, it’s time to start mammograms.
• If you’re under 40, your doctor can help determine when and how to start screening—especially if you have a family history or other risk factors.
• And if you’re in survivorship, your PCP can help guide what comes next.

Schedule your primary care appointment today—through HealthTap—and build a relationship with a compassionate doctor who sees the whole you, every step of the way. Virtual visits are included as part of CHM membership. Plus, if your HealthTap doctor recommends a mammogram they will work with a CHM nurse navigator to help you find a facility. 

Learn more about HealthTap virtual visits here: Healthtap.com/landing/chm/

Since 1981, Christian Healthcare Ministries (CHM) has enabled believers to share the burden of medical bills. As an alternative to health insurance, one of the ways we distinguish ourselves from mega-corporations is through our people—we’re Christians helping other Christians. CHM staff are here to walk alongside members in difficult times and major life changes. Hear our staff’s heart for serving believers just like you!

Why CHM is not health insurance

CHM is not built on a health insurance business model. We are a non-profit that serves as the early church did in Acts 2 and 4—sharing resources to help one another. Our team intentionally makes the CHM experience radically different from health insurance companies.

Compassion is one way we stand apart. Every step of our process is treated with precision and attention to our members’ needs. As a ministry, we focus not only on supporting believers through sharing health costs but also ministering to them through prayer. That all starts with our staff who faithfully serve CHM members every day.

CHM staff who serve you

How do you see your job as a ministry?

“I do not view CHM as a job at all. I truly see this as a ministry that I have been called to. The definition of ministry can be worded like this: “The work of Christians is serving God and others.” That is what I GET to do each and every day. I love serving my team and equipping them to serve our members well. It is a privilege to work at CHM!”

How is prayer vital to your work?

“Prayer is not something I think about—it’s just a part of my life. I have conversations with the Lord all day. Prayer is how I stay connected to the Vine, and where I start with every decision and every emotion. Times when I’m frustrated, grateful, exhausted…every emotion gets processed with Jesus because He is my friend and father. No one else gets me like He does, and no one else can love me like He can!”

How do you care for CHM members?

“I care deeply about our CHM members. I know that it is in the valleys that we need to see Jesus the most, and my work focuses on that. One of the newest additions to my team is our Member Care Liaisons. Their primary goal is to “show Christian love” by helping our members navigate our process. What we do is unique, and our requirements are unlike any other entity they may be used to in the marketplace. We want to make sure that our members know that they are loved, cared for, and most of all, a part of a bigger community.”

---

How do you see your job as a ministry?

“Every part of what I do is a ministry to potential members. My goal, and the goal of our team, is to spread the word about CHM and how we can support fellow Christians. Being a part of this mission and seeing how it’s changed lives is a tremendous privilege.”

 How is prayer vital to your work?

“Prayer is what sustains me each day to rely on Christ, enjoy my work, and have a servant’s heart. Without the Holy Spirit’s power in my life, I would not be able to do my job effectively and bless others. Our department prays together every week for one another’s needs and for the growth of the ministry. It’s how we stay unified as a team and an organization.”

How do you care for prospective CHM members?

“Caring means making our messaging as clear as possible, so they know exactly what they’re getting when they join CHM. It means making sure they know how we can be there for them spiritually—whenever they need it.”

---

How do you see your job as a ministry?

“Most of what I do may not look like a ministry. I answer calls for members needing things like help making a payment, checking on medical bills, or asking what their out-of-pocket is. Being ministry-minded means I am here to serve, not drive a bottom line.”

 How is prayer vital to the work you do?

“Prayer is a part of my daily work in member support. When I am speaking with a member who is going through a hard time, it is such a privilege to be able to pray with them, to remind them they are not alone and that God is near. I feel honored to offer, not just financial support, but spiritual encouragement as well.”

How do you care for CHM members?

“I take time to really listen to members’ questions, needs, and concerns. I get to see the other person as a brother or sister in Christ, with their own joys and pains, and who are deeply important to God.”

CHM is faith in action

Every department and team at CHM is here for our members. Unlike health insurance, we have the unique opportunity to show Christ’s love through listening, prayer, and encouragement. We also provide support for your eligible medical expenses at a much lower cost. CHM offers four affordable health cost-sharing programs for any stage of life. These include CHM Gold, CHM Silver, CHM Bronze, and CHM SeniorShare™. If you need help deciding, our cost comparison tool can determine the program best suited for you. Ready to join? Our speedy enrollment makes signing up take just a few minutes!

CHM is faith in action Every department and team at CHM is here for our members. Unlike health insurance, we have the unique opportunity to show Christ’s love through listening, prayer, and encouragement. We also provide support for your eligible medical expenses at a much lower cost. CHM offers four affordable health cost-sharing programs for any stage of life. These include CHM Gold, CHM Silver, CHM Bronze, and CHM SeniorShare™. If you need help deciding, our cost comparison tool can determine the program best suited for you. Ready to join? Our speedy enrollment makes signing up take just a few minutes!

Join a Christian community that shares, prays, and cares—experience ministry in action with CHM today.

If you have health insurance, you’re likely aware that the industry needs major repair. Insurance companies often put profits over people, and the health insurance marketplace has seen consistent price gouging for years. Discover the biggest downsides of health insurance plans and a biblical alternative that’s served Christians for over 40 years so you can make the decision that’s right for you. 

Health insurance companies place heavy burdens on customers. Millions of Americans feel forced to buy an expensive plan to avoid unnecessary risk. This allows the health insurance industry to thrive on a lopsided business model. 

High Costs

The biggest issue people face with health insurance is cost. Rising premiums and deductibles over the past few years make the idea of “affordable health insurance” a contradiction. According to the Kaiser Family Foundation, the average lowest-cost bronze premium in the United States is $381. That’s not including a spouse or any dependents!  

As prices continue to skyrocket, singles and families across the nation get priced out of the market completely. Many might forgo health insurance and then face crippling debt after a serious medical event. 

Network Restrictions

A second problem is network restrictions. Networks consist of doctors and hospitals (also known as “providers”) that health insurance companies contract with. These contracts allow members to receive discounted services from “in-network” providers.  

While members can still see providers outside of their network, they are likely not covered and will incur “out-of-network” fees. By their nature, networks limit the providers you can pick. This could mean not getting the preferred care that’s best for you or your family. 

Open Enrollment

Additionally, health insurance companies have an open enrollment period every year. This window allows new members to join, change an existing plan, or cancel their plan. Open enrollment typically begins on November 1^st and ends January 1^st of the following year, but your employer can also determine these dates.  

If you miss this window, you won’t be able to join or make any changes until the next open enrollment period, or if you have a qualifying event (moving, having a baby, getting married, or losing previous insurance). This short window often pressures people to lock into a year-long, expensive contract. 

Adding to those issues is the volatility of the online marketplace for health insurance. The Affordable Care Act (ACA) was created in 2010 to offer affordable health insurance plans to Americans with incomes above 100% – 400% of the Federal Poverty Line. Anyone earning enough to qualify for an ACA plan might experience big changes next year: 

• Some of the major health insurance companies are pulling out of the ACA in certain states, leaving millions without coverage. 
• Enhanced subsidies (or discounts) for ACA plans are at risk of expiring if Congress does not act in time. This would drastically jack up overall insurance costs for many in the marketplace, or disqualify them from the ACA altogether. 

These coming changes and pressures leave many in a vulnerable place. With costs continually on the rise and insurers leaving the ACA, there are fewer affordable options than before. 

However, a marketplace plan isn’t your only option—Christian Healthcare Ministries (CHM) is a health insurance alternative for believers. Started in 1981 as the original health cost-sharing ministry, CHM enables Christians to care for one another by sharing medical bills.  

CHM is not a health insurance company. As a non-profit, our mission is to fulfill the call of Galatians 6:2 to “bear one another’s burdens” and serve like the early church in Acts 2 and 4,  “who held all things in common.”  

Through voluntary payments, members share in each other’s eligible health expenses. Medical bills are submitted through CHM’s Member Portal, the costs are then satisfied by members’ monthly contributions, and a reimbursement check is mailed to you.  

Beyond financial care, CHM staff and members also pray for each other’s needs. Our model is spiritually focused and aims to support and encourage fellow believers enduring serious medical trials. 

For those new to the concept of cost-sharing, CHM offers key advantages as a health insurance alternative: 

• Four affordable program levels, starting at $150 per month. Our programs include CHM Gold, CHM Silver, CHM Bronze, and CHM SeniorShare™. 
• No provider network restrictions—choose any certified doctor or hospital.  
• Solutions for prescription savings, maternity, cancer, surgery, virtual care, and more. 
• Eligibility aligned with biblical values through CHM Guidelines. 
• No open enrollment period—join anytime. 

While the current health insurance industry is broken, CHM offers Christians a completely different experience. Cost-sharing frees members from steep prices and restrictions by avoiding the health insurance model entirely. Ready to leave behind overpriced, restrictive health insurance? Use our free cost comparison tool or join CHM today and start experiencing an affordable, biblical alternative. 

Americans face increasing financial stress from costly health insurance. But did you know there’s a faith-based alternative? Christian Healthcare Ministries (CHM) helps believers save money by sharing the burden of medical bills with other like-minded Christians.

If you’re new to the concept of CHM’s health cost sharing ministry, you may be wondering if it’s biblical to share eligible health expenses through a Christian non-profit. This is a good question, and an important one! Here’s how the Bible informs everything CHM does as a ministry:

What does “burden” mean in the Bible?

CHM’s mission is to support others in bearing burdens. The apostle Paul writes in Galatians 6:2 [ESV] that we are called to “bear one another’s burdens and so fulfill the law of Christ.”

The word “burden” has many applications but often implies a heavy load or difficult duty. For many people, that may look like chronic pain, illness, financial debt, a challenging marriage, or a stressful job.

Burdens have a spiritual aspect, too. In Matthew 11:28–30 [ESV], Jesus urges, “Come to me, all who labor and are heavy laden, and I will give you rest. Take my yoke upon you, and learn from me, for I am gentle and lowly in heart, and you will find rest for your souls. For my yoke is easy, and my burden is light.”

The Gospel lifts the burden of the Law off our souls, awakening us to new life in Christ. Yet worldly cares still weigh us down. Many believers endure the gravity of suffering with a longing for renewal. With that in mind, CHM looks at burdens beyond the physical aspect—we also care for members spiritually in their hardest times.

CHM’s ministry isn’t built like a traditional health insurance company. What we do is a direct call from Jesus’ teachings and the example of early Christians.

But what does the Bible say about cost-sharing? To find out, we have to look at the second chapter of Acts. The early church in those days grew fast, while facing plenty of need.

Poverty challenged many members of the assembly, so fellow Christians stepped up in big ways to support each other.

In Acts 2:44-45 [ESV], Luke records, “And all who believed were together and had all things in common. And they were selling their possessions and belongings and distributing the proceeds to all, as any had need.”

This special moment in the history of the church showed what believers can accomplish through the power of the Holy Spirit. By working together and giving selflessly, the needs of others were met. CHM follows in that example by allowing Christians to support each other through voluntary giving.

Every CHM member contribution is used to satisfy other members’ medical bills. This allows our community to receive support for their eligible expenses on a regular basis.

In Matthew 25:35-36,40 [ESV], Jesus states, “For I was hungry and you gave me food, I was thirsty and you gave me drink, I was a stranger and you welcomed me, I was naked and you clothed me, I was sick and you visited me, I was in prison and you came to me’…And the King will answer them, ‘Truly, I say to you, as you did it to one of the least of these my brothers, you did it to me.’”

As Christians, we are part of a larger global church with many needs! CHM seeks to connect believers across the nation by enabling them to support each other through our ministry.

Why health cost sharing reflects God’s design

There are many ways for Christians to take care of each other. While the Bible doesn’t command a “cost-sharing” model for the Church, CHM exists to:

• Provide for the needs of fellow believers [Acts 2:44-45, 4:32-35].
• Pray for the sick [James 5:15].
• Follow Christ’s example of compassionate care [Matthew 25:40].
• Support and encourage other Christians in trials [Galatians 6:2].

All of these elements are built into CHM’s mission from top to bottom. Our ministry offers relief from expensive health insurance by providing an alternative founded in the truths of the Bible.

By becoming a CHM member, you’re not just sharing medical bills—you’re joining a community of believers who are living out Galatians 6:2 by supporting each other in times of need. Ready to make a difference? Join CHM today!

Health insurance users, be prepared for what lies ahead. For uninsured patients, or those seeking a health insurance alternative, consider your options with CHM. 

Some of the largest insurance companies are starting to back out of the Affordable Care Act (ACA) in certain markets. That means those enrollees, including any on a subsidized program through the federal health exchange, may have to look elsewhere once open enrollment begins in November of 2025. 

COVID-era subsidy enhancements could expire at the beginning of 2026. Leaving many ACA users with steeper monthly costs. The 2025 Budget Reconciliation Act also introduced federal work requirements for Medicaid recipients starting in 2027. 

In this article, we’ll dive into why this is happening, who it affects, and how CHM remains a viable alternative to insurance. 

ACA 2026 coming changes

With the cost of care surging, major health insurance companies will likely withdraw from the ACA (also known as Obamacare) to avoid revenue losses. These exits will impact millions of insurance users nationwide.  

Additionally, enhanced ACA subsidies enacted under the American Rescue Plan Act (ARPA) and Inflation Reduction Act (IRA) are set to expire on January 1, 2026. The Kaiser Family Foundation (KFF) reports that ARPA and IRA reduced monthly payments by 44% for many ACA users at the height of the pandemic. Without further legislative action by Congress, these boosted subsidies will fall back to pre-COVID prices—causing a spike in healthcare costs for millions of Americans. Without those subsidies, ACA plan premiums are predicted to increase in 2026 by an average of 75%.  

Middle-income users on an ACA program are at the greatest risk. According to kff.org, the IRA allowed eligibility for people making 400% above the poverty level to receive subsidies. Without these enhancements, they risk losing health insurance altogether. Even if they’re below 400%, a slight increase in pay renders them ineligible for any subsidies. This “subsidy cliff” would make traditional health insurance unaffordable for many families and singles—pricing them out of the market entirely.  

Despite unrest within the marketplace, Christian Healthcare Ministries (CHM) remains stable. As a health insurance alternative, CHM holds a federal exemption from the U.S. Patient Protection and ACA. This prevents economic volatility for our members compared to traditional options.

Many individuals with health insurance will lose their ACA plans 

Those who purchased their health insurance program through the ACA may need to start looking for a replacement soon. According to insurasales.com, some of the states affected by possible departures and budget cuts mentioned earlier include:

Without a low-cost replacement, many risk losing their health insurance altogether—paying more out of pocket than anticipated. This sudden change has many looking outside of traditional health insurance for support.  

Why Americans are seeking alternatives to Obamacare 

With subsidies shrinking, affordable care is becoming an exception to the rule.  

A major downside of Obamacare is the “coverage gap”, which affects around 1.5 million citizens. This happens in states that haven’t adopted the ACA’s 2014 Medicaid expansion. Residents of any “non-expansion” states could make too much or too little to qualify for either Medicaid or ACA subsidies—leaving them without any financial assistance.  

From KFF, below are all of the 10 non-expansion states: 

Compounding on the cost issue, health insurance companies are also notoriously difficult to work with. Using insurance means limited provider networks, restricting you from finding the best doctor or hospital for your needs. If you end up choosing an out-of-network provider, you’re penalized with fees.

This leaves countless insurance users exasperated and confused. But it doesn’t mean you have to keep paying into a broken system.

New Requirements for Medicaid

Starting January 1, 2027, many who receive Medicaid coverage will need to spend at least 80 hours a month working, volunteering, or be enrolled in school as “community engagement”. To maintain coverage, Medicaid recipients will have to verify each month that they have met this hourly requirement, which applies to all “able-bodied” Medicaid recipients ages 19–64, with certain exemptions:

• Having a child aged 13 or younger, or a child who is disabled.
• Being a caregiver for a disabled relative.
• Having a disability or health condition that prevents fulfilling the requirement.

Christian Healthcare Ministries: a non-insurance solution that works 

CHM’s Guidelines are also available before you join, allowing you to see which expenses are eligible for sharing. With CHM, there are no networks or in-state restrictions to deal with. Members have the flexibility to choose the certified providers they want without worrying about out-of-network fees. A far cry from traditional health insurance!

CHM gives you options for affordable care

Steep rates loom over the marketplace, but CHM offers a unique opportunity. Opting out of health insurance allows Christians to invest in the benefits of our cost-sharing ministry. There are lots of people who CHM can help, including:

• Individuals and families threatened by the subsidy cliff
• Non-expansion state residents in the coverage gap
• Older Millennials and Gen-Xers with growing medical needs
• Self-employed and small business owners
• Retirees and seniors

If you’re considering us as a faith-based health insurance alternative, our calculator tool shows what your monthly CHM membership contribution would cost.

CHM programs start at $115 a month, which is a third of the average lowest-cost bronze marketplace program. You can join at any time with no enrollment periods, even before November 1st!

Final thoughts: CHM vs. Insurance

As younger generations enter the health insurance market, there is a growing dissatisfaction with the system and a feeling of distrust toward insurance companies, according to mynewmarkets.com. Bureaucracy and a lack of transparency are inherent in the insurance industry; Gen Z, Millennials, and others want simpler and more approachable experiences to manage their healthcare costs.

For Christians with ACA health insurance, CHM may be a more transparent, flexible, and stable alternative for many reasons. Members of CHM aren’t affected by annual marketplace ups and downs. Members can go straight to their providers and pay for what they need with more discounts available. CHM also offers lower monthly costs than the competition—regardless of your income level.

With CHM, you get clear, simple, reliable, and affordable support for your eligible medical expenses. There’s no need to endure the annual cost increases and red tape of health insurance when you can help bless and be blessed by other believers. Stand up to insurance restrictions and join CHM today!

Disclaimer: This article is actively being monitored for changes and will be updated as new information becomes available. Please check back for updates.

Resources/References

• https://www.kff.org/status-of-state-medicaid-expansion-decisions/ KFF+15KFF+15advancingstates.org+15
• https://www.kff.org/affordable-care-act/poll-finding/kff-health-tracking-poll-aca-enhanced-subsidies/
• https://insurasales.com/news-story/32246/cvs-healths-aetna-to-exit-aca-marketplaces-in-17-states-by-2026
• https://www.mynewmarkets.com/articles/184323/whymillennialsandgenzjustarentlovinginsurancehoworganizationscanwinthenextgenerationsofinsuranceconsumers

By nature, my husband and I are very active people. We’ve always owned our own businesses and, after returning home to Casey in retirement, we’ve continued to follow our entrepreneurial spirit by acquiring some local business opportunities and using them to give back to our lovely community in our own way.  

We also care very much about eating healthy and exercising, so I was in complete shock when a pulled muscle in my back simply wouldn’t go away. The pain was excruciating and lasted for weeks.

My husband, Greg, insisted it was time for me to see a doctor when I told him the pain seemed to have moved to the other side of my back.  My initial attempt to get an appointment was going to be weeks away and Greg wasn’t going to let that happen.  He says I have a very high pain tolerance and realized there was definitely something more serious going on. 

Greg managed to convince our provider it was essential I get in the next day.  During the exam, I couldn’t lie down on the table without having difficulty breathing.  Immediately my doctor ran tests to check for heart issues. The results came back with high enzyme levels, prompting a quick transfer to the emergency room as they were concerned I was having a heart attack. Interestingly, that was the only time the enzyme level was high. I believe it was God’s way of getting me into immediate care. 

Thankfully, the cardiac tests and CT scan came back normal, but what I heard next surprised me.

“We see lesions on your spine.”   A few days later, my oncologist gave us the news.  “We think you have multiple myeloma. The pain is from three broken ribs—not a pulled muscle. We need to do more testing to confirm, but if we don’t move quickly, you have six to 12 months to live.”

I began treatment right away, which included a prescription costing $21,000 per month. I didn’t like the sound of that, so we started praying and asking our family and close friends to pray, too. God provided: A couple of days later, we got a call from a pharmaceutical company offering to provide the medication free of charge for one year.

Meanwhile, the doctor told me that if I could go into remission, I could be a candidate for stem cell transplant, helping me fight the disease for the long-term.

I called CHM to let them know about my diagnosis and the referral I was given. Together, we explored the doctor’s health outcome success rate and learned they required $300,000 upfront—another cost that seemed impossible to me.

Again, God provided: CHM’s Cancer Care Solution staff found three high-quality facilities that do the same stem cell transplant but at a fair market price.

Yes, we knew that CHM would take care of us no matter what, but we also realized we were fighting not only for ourselves but for so many others. We wanted to get the best care and the most cost-effective result. It might have been easier, in some ways, to stay close to home, but the cost difference was massive. After much prayer, we felt clear about our choice: Johns Hopkins in Baltimore, Maryland.

Though it was outpatient care, CHM arranged and paid lodging for those four months of medical care. Additionally, CHM called me several times a week to check on my well-being and pray with me.

CHM’s knowledge of the cancer journey and which organizations to involve have benefitted us immensely.  It actually seems odd to us that people would ever want to go down the path of conventional insurance if they know what we know.

Our experience with CHM has been outstanding.  Over time, providers have become more aware of the program and that’s made it easier.  We have found that most providers offer significant discounts for cash pay.  Greg has had several surgeries, including back and shoulder, and the process has been outstanding.  We have had very little out of pocket even though the surgeries themselves were quite expensive. 

I have more treatments to undergo, but I’m doing very well and have only a few restrictions remaining. I’m looking forward to my one-year checkup this October and am expecting a great report. God is restoring my health, and He has provided in so many ways throughout my journey—including through CHM’s Cancer Care Solution (CCS).

As a patient, facing the process was daunting and unfamiliar.  CCS staff not only simplified the process but took away the arms-length nature of it all.  They were caring and easy to talk to.  They walked us through the process as a friend, rather than an adversary (as so many insurance companies seem to be). 

CCS was the perfect situation for us: CHM staff walked us through the cancer journey as a friend. Together, we found high-quality care to save my life. CHM members took care of us financially, and the CHM staff handled the entire thing. We thank Jesus that we weren’t alone.

We love being part of this community and working together for each other.  We want to encourage every CHM member to KNOW that God is faithful in all things and He is using all of us to bless those in need.  In our case, it was us who needed to be lifted up and we are so grateful.  We were repeatedly reminded that others were praying for us, even those of you we don’t know personally.   Yes, financial support is crucial, but we have learned (as many of you have as well) that our strength and resources come from the Lord. 

 

We can feel helpless when trying to comfort our family and friends amidst diagnosis or dire circumstances. In fact, it might not feel like God sees or cares about what we face.

Here’s the thing: We can still offer comfort to hurting hearts, even during moments of doubt, but only with God’s help.

El Roi: The God who sees you (and your friends)

In Genesis 16, Hagar encountered God in a new way: as the God who saw her not just in the physical sense, but also spiritually, emotionally, and mentally. He didn’t just “see her,” He made her feel seen. That’s comfort in action.

Hagar, fleeing from an incredibly challenging and draining situation, found herself in a desert, pregnant and alone. It was a physical desert, but also a spiritual and emotional desert.

With the risk of death growing ever nearer, God came to her during her pain.

“She gave this name to the Lord who spoke to her: ‘You are the God who sees me,’ for she said, ‘I have now seen the One who sees me.’”

—Genesis 16:13 [NIV]

God saw Hagar, and in doing so He gave her renewed hope, courage, and promise. This equipped her with the strength to return and face her situation with a new perspective and renewed sense of identity. Just as Hagar discovered that she was seen by God, we can also rest knowing that we are seen and loved by God. He sees the circumstances of our family and friends on a deep level that we can’t begin to comprehend.

And He cares. Oh, how He cares.

Knowing how to comfort a friend

Offering comfort depends on three factors:

1. What’s needed in the context or situation, plus
2. The skills and strengths of the person providing support, plus
3. How the hurting person best receives, and desires help.

When we combine these three “comfort capabilities,” we’re equipped to serve hurting hearts by drawing strength from Christ.

Knowing how to comfort a friend or family member by making them feel seen isn’t just a biblical skill, it’s crucial for connection, community, and overall wellbeing. According to research conducted by the University of Wisconsin, people who lack social and emotional support experience increased mental distress and decreased physical health. That’s just one reason why God wants us to live in biblical community.

Dive in and discover more with a brand-new CHM member exclusive e-book! As you learn how to comfort through understanding the attributes of God, you can navigate difficult situations (such as trying medical conditions) in your life and the lives of others.

In the spring of 2022, my wife Susie came to me and our physician son with concerns. She experienced unexplained weight gain and felt a vague pain in her belly.

It was a weekend and because we were heading out of town, she went to the emergency room. Imaging revealed a huge mass, and the radiologist suggested high probability of it being “ovarian neoplasm.” In other words, cancerous.

When the ER physician asked me who I wanted her to see, I froze. Here I was, a physician, with no idea where to take my wife for care.

He gave a recommendation of someone I’d never heard of and then left. We sat there in shock, looking at one another. I knew that advanced ovarian cancer is essentially incurable. I was so proud of her strength, but I was also devastated.

Thankfully, I was connected to Concierge Nurse Navigators, a service dedicated to assisting patients in receiving the best quality healthcare and treatment outcomes. I reached out and asked for help. I told him, “I want her to get the best care, and I’m willing to take her anywhere. Tell me what to do.”

After a few hours, they got back to me with some encouraging news: the surgeon to whom Susie had been referred was in the top five percent in the country. The staff care and treatment experience was excellent, and even better, she didn’t have cancer! Instead, a huge, benign, cystic mass was removed.

In the midst of our cancer scare, I felt God was opening my eyes to something CHM members needed: a team of specialists who could navigate them to the best possible clinical outcomes. At the time we went through this experience, CHM focused almost exclusively on praying for our members and reimbursing medical bills. My family’s health crisis convinced us that our members would benefit from something more.

After all, if CHM’s own medical director was uncertain of the best course of action, how could we expect our members to know what to do in their own respective health crises? And so the concept of CHM’s Cancer Care Solution was born.

What is Cancer Care Solution?

Cancer Care Solution (CCS) is CHM’s response. Cancer is widespread—nearly 40% of Americans will be diagnosed at some point in their lives—and its treatment can be complex and costly. Early detection can dramatically improve survival rates, yet many people struggle to access timely screening or expert guidance. CCS exists to bridge these gaps by developing helpful resources and walking alongside members dealing with cancer.

CCS has three key priorities:

1. Early detection: We inform and encourage members about evidence-based cancer screening and risk reduction strategies.
2. Navigating complex care: A cancer diagnosis often leads to multiple appointments, tests, and consultations. We help members understand their treatment options, guiding them to seek second opinions when appropriate and supporting them in coordinating care among various specialists.
3. Financial and emotional support: We assist members in finding financial and community resources and sharing eligible costs. Our team also ensures members are connected to prayer support, resources, and encouragement.

Through education, support, and prayer, we’re equipping members with what they need to face cancer together, with courage and hope.

Since 1981, CHM has stood by our members, lifting them up in prayer and sharing medical bills. But we wondered if we could do more.

Just as God walks with us every step of the way during a medical journey, we want our members to feel that same care and support from us and each other. That’s why we’ve created CHM Care Solutions.

CHM Care Solutions supports your individual healthcare needs through a set of specialized care programs.

Through CHM’s Care Solutions, you’ll unlock financial savings, superior medical treatment, and peace of mind. 

• Cancer Care Solution: simplified experience, out-of-pocket savings, and CHM staff who will work with you throughout your cancer journey.
• Virtual Care Solution: access to virtual primary care and urgent care visits with board-certified doctors.
• Maternity Care Solution: finding the best care in your area with access to CHM’s experienced nurse and maternity resources.
• Complete Surgical Care Solution: helping you find high-quality providers, arrange travel, and paying your provider directly.
• Prescription Care Solution: providing tips and resources to save you money on prescriptions.

CHM’s Care Solutions and resources for each solution can be found in the Member Portal when navigating to “CHM Care Solutions.”

CHM Cancer Care Solution (CCS) – NEW!

CHM’s new Cancer Care Solution (CCS) makes it easier to manage your care with confidence. Here’s what CCS offers:

• Simplified process – We coordinate your care and handle the billing, so you can focus on treatment.
• Cost savings – Members who use a CCS provider receive a $1,250 membership credit.
• Dedicated support – Our staff and partnering nurses answer your questions and provide spiritual support throughout your journey.
• Expert second opinions – Get connected with trusted providers for an additional review of your diagnosis and treatment plan.

You get clear answers, coordinated care, and reduced stress. If you’re dealing with a new or changing cancer diagnosis, please call 800-791-6225 to learn how we can help.

“We’re not alone! The Cancer Care Solution team took time to talk with us, listen to our story, and encourage us. We have the Lord walking with us and an amazing support team that includes CHM.”

-Kim B., Columbia Falls, MT

CHM Virtual Care Solution (VCS)

From sniffles and sneezes to nutrition advice, lifestyle questions, chronic conditions and more, CHM’s Virtual Care Solution helps you stay on track and stay well.

Powered by HealthTap, board-certified doctors are just clicks away – virtual visits are as close as your couch! Plus,primary care and urgent care appointments are included as part of your CHM membership.

Here are three reasons to sign up today (if you haven’t already):

• Extra savings: Save on out-of-pocket costs, time, and travel with same-day or same-week virtual visits.
• Doctors who listen to you: View video profiles of available healthcare providers to find your perfect fit. You can even schedule a meet-and-greet visit to learn more about them – with no illness needed for this virtual meeting.
• Tools to stay well: Message your doctor for up to 90 days after your primary care appointment. Plus, ask any health question to a panel of over 90,000 doctors – with 100% confidentiality.

All you need to get started is your CHM member number and last name. Don’t delay – register and schedule an appointment today!

“My doctor was very helpful. I felt like I was talking to a (very educated and professionally
medically trained) friend.”

-Dawson B., ID

CHM Maternity Care Solution (MCS)

As members welcome a new life into the world, CHM’s Maternity Care Solution uplifts them with cost-saving and care services.

CHM members who call within the first 16 weeks of pregnancy receive:

• $500 off their Personal Responsibility
• Recommendations for the best prenatal, labor, and postnatal care near their homes
• Access to a nurse navigator who can answer questions about their pregnancy
• Interactive resources such as devotionals, family baby budget worksheets, and more to help prepare their heart, body, and budget
• Prayer, spiritual support, and Christian community

“In addition to the medical incidents Michael and I’ve had, we’ve also participated in the blessing of CHM’s Maternity Care Solution. It’s allowed me to take a step back, relax, and enjoy every step of the way during pregnancy. It’s a tremendous blessing to witness this financial burden being lifted right out of our hands.”

-Elle C., Murfreesboro, TN

CHM Complete Surgical Care Solution (CSCS)

If you need surgery, Complete Surgical Care Solutions (formerly Advantage Care Solution) simplifies the process and connects you with quality care and real savings—all through trusted, high-performing providers.

Since CSCS’s inception in late 2023, members have received care for over 1,500 procedures from top-quality healthcare providers and saved over $15 million on their medical expenses. With a streamlined experience and reliable support every step of the way, CSCS helps members feel more prepared and see better health outcomes.

Members with an existing diagnosis and surgery recommendation can contact CSCS to see if their procedure qualifies—and take the next step with confidence. Another benefit is that members who use a CSCS medical provider can receive a $1,250 membership credit.

“My cardiologist said he couldn’t find anyone to do the surgery I needed, and it felt like the doors were getting shut in my face repeatedly. But the CSCS team restored my hope! They were genuinely a breath of fresh air during the hardest and most discouraging time in my life.”

– Victoria W., Bastrop, LA

CHM Prescription Care Solution (PCS)

Prescriptions with large price tags often follow health incidents. That’s why CHM’s Prescription Care Solution (PCS) empowers members to make informed decisions and secure the best prices, enabling them to save with confidence in their medications.

While incident-related prescription costs (up to the first 90 days of treatment) are eligible for sharing for all CHM programs, prescriptions used for maintenance treatment are not eligible for sharing. However, with the tools we provide, members can start saving today on their prescriptions and focus on healing.

• CHMRx: gives you the ability to search for prescriptions in your area and get the best bang for your buck. In 2024, members saved $21,514,022 on 132,465 total transactions.
• GoodRx: enables you to search for your prescription by name, filter results by dosage, price, and more, and find cheaper generic brands. 
• WellRx: allows you to search for prescriptions—including generic brands—and helps find the cheapest prices in your area.

Save even more with these tips:

• Use more than one of the tools listed.
• Ask your doctor for the generic brand of your prescription.
• Search for your prescriptions before you even leave your house to find the cheapest prices and best locations.
• Give the pharmacist multiple savings cards to see which one gets the best price.
• Send the free coupons to your phone to lock in low prices.

“With the CHMRx prescription discount savings card (chmrx.com), I pay less now than I did when I had prescription coverage. The CHMRx price comparison tool saved me almost $130 on my first refill. My locally owned pharmacy gives me the best pricing. I really appreciate you providing this resource. What a blessing!”

-Rosie T., Newark, DE

Worthless.

Abandoned.

Second-rate.

Fully known and fully labeled.

Sounds familiar, doesn’t it? They’re the voices we recognize in our hearts but aren’t too keen on admitting out loud, because they all point to one fact:

We just want to be loved.

Not just “loved”—but known and loved. Fully, completely, and in all our wild and wonderful moments of being an imperfect person following a perfect God. In fact, there’s an entire day dedicated to writing and receiving love notes (both platonic and romantic), proving that we as individuals want to both receive and give love to others. There’s nothing “wrong” or “bad” about that—we’re wired to love!

However, in doing so, we need to root ourselves deeply in the source of all love so we don’t damage our identity or find love in the wrong places. The only way we can do that is by spending time with God—reading His love notes especially created for us.

How to read the Bible

We often resist the idea of God’s love because we forget our identity. The enemy is a sneaky snake, and he’d love to lead God’s people to believe that they’re alone and unlovable. That’s why it’s so crucial to read God’s “love notes” to us found in His Word.

As we read and meditate on what He says to us, His words transform and empower us to share His love with others. His words speak directly to our hearts because His Word is living and active [Hebrews 4:12, NIV].

If you’ve ever read a book or watched a movie more than once, you’ve likely recognized details, plot points, or phrases that stood out to you differently after that first glance. It’s the same way when we read the Bible—God gives us what we need in His perfect timing.

Whether you’re a lifelong Christian who wants to go deeper or a new believer starting your faith journey, there’s always a fresh revelation of love to be found in God’s Word. Here’s a few tips to get started:

• Dive into a word study: Look up all the instances where love (or another word or theme that speaks to you) appears in the Bible and see what He has to say.
• Grab a friend to understand the Bible: Context, timeline, culture, and places can be confusing upon a first reading. Set up a Bible study to process with a trusted friend, pastor, or mentor as you encourage each other.
• Try out a reading plan: Maybe you prefer to read chronologically, by theme, or by book. No matter how you read, a plan can help you stay on track and give you goals to work towards.
• Find a new format: Struggling to read? Try a narrated or audio version of the Bible, write out verses, discover Scripture-based worship songs, find a coloring book with Scripture pages, or process verbally with your church small group.

Love notes: Reminders of everlasting love

No matter how you engage with the Bible, God is faithful to meet you where you are. His Word is one long love letter waiting to be opened, carefully crafted with the love of Christ.

He adores hearing from His children, and He wants to share timeless truths about who you are! After all, He says you’re precious [Isaiah 43:4], beautiful [Song of Solomon 4:7], and so very loved [John 3:16].

“I have loved you with an everlasting love; I have drawn you with unfailing kindness.” – Jeremiah 31:3 [NIV]

God wants to bring us joy and heal our hurting hearts so that we can live our lives to the fullest and serve others well. One way for us to share that love is by crafting notes of encouragement for our friends and family members. Tuck a few gems inside by including “love notes” from God’s heart (Scripture verses) to remind them of their true identity found in Christ. He’ll lead you to the right words in His perfect timing. As you read and share, you can rest knowing that:

Where the enemy says “worthless,” God says “worthy.”

Where the enemy says “abandoned,” God says “chosen.”

Where the enemy says “second-rate,” God says “intentionally made.”

And where the enemy says “fully known and labelled”, God says “fully known and loved.”

Health insurance for millions of Americans will soon become more expensive, especially if Affordable Care Act (ACA, also known as Obamacare) subsidies expire at the end of 2025. In addition, certain states may be pulling back prior expansions to Medicaid and adding new work requirements under Medicaid that may reduce eligibility for such coverage for many individuals. All of this is underscored by the usual annual increase in premiums, which is significant for many individuals and families, considering the impact of inflation in recent years.

While membership in CHM is unaffected by these changes, your friends and family might be impacted, depending on their insurance plan.

The ACA included subsidies that took effect in 2014. These subsidies helped to primarily offset the rising cost of health insurance plans on the marketplace by using taxpayer dollars to bring down the cost to the consumer.

As we draw closer to the end-of-year ACA subsidy expiration, there will undoubtedly be news reports about who may be impacted the most. As CHM members, there is one thing you can do:

Reach out to Christian friends, family and acquaintances who may be adversely affected by these insurance cost changes to tell them about non-government, non-insurance, faith-driven cost-sharing through CHM. This will benefit them, you, and the ministry.

CHM’s Refer-a-Friend program also helps offset costs for you and friends you refer. Refer-a-Friend allows members to earn CHM membership credits for bringing others into the ministry, while those new members receive a welcome credit. With millions of Americans possibly losing the support of taxpayer funding through subsidies, CHM is an even more attractive option for friends and family—which is true even if the subsidies are renewed.

That could mean more credits, more savings, and more sharing in your CHM future through Refer-a-Friend:

• Refer with ease: Simply share your phone number with your friend, and they’ll enter it with CHM when they enroll.
• Speedy savings: Get a $200 credit directly applied to your membership as soon as your friend’s membership is active.
• Welcome credits for your friends: When your friends join, they get 50 percent off one monthly contribution.

More information about Refer-a-Friend is available on the Member Portal.

*Editor’s note: Here are a list of articles that show the projected changes:

• How Much More Would People Pay in Premiums if the ACA’s Enhanced Subsidies Expired?
• Cost of Obamacare expected to soar as subsidies expire and insurers hike premiums
• Congressional District Interactive Map: How Much Will ACA Premium Payments Rise if Enhanced Subsidies Expire?

Please note: This article is actively being monitored and will be updated as new information becomes available. Please check back regularly for updates.

Healer. Helper. Heart-mender. Hope-filled defender.

Each is a characteristic of God, but it also describes who we want to be for our friends and family members in their times of need.

However, a challenging disease or new diagnosis is often draining for both the hurting person and the helping person. Emotions run high, physical self-care runs low, and spiritual tanks sit half-empty. In the meantime, we wait and watch and wonder what to do to work wellness back into our friends’ lives.

Even amid challenging times, each of us can act as an agent of God’s love. Here’s how we can help with hearts full of hope:

Encourage one another

“Therefore encourage one another and build each other up, just as in fact you are doing.” – 1 Thessalonians 5:11 [NIV]

This verse tells us that encouragement isn’t just a “nice-to-have” characteristic; it’s a God-given calling. Encouragement means finding what works for your friends based on their needs, situation, and love language. Your friend or family member might not know how to ask for what they need, so offering options and opportunities can be a great start.

 Try tackling these tips to offer tangible support:

• Make meals: Dropping off something as simple as a salad, soup, and side of bread can give friends and family members relief from the need to make a dinner decision.
• Grab groceries: Shopping, doing dishes, folding laundry, and running other errands are all stress-relieving acts of service.
• Chip in for childcare: Offering to watch little ones and assist with their needs frees up space for much-needed appointments or quality time.
• Learn the art of letter writing: Leaving notes and cards of encouragement can lift spirits and help heal hearts.
• A little gift goes a long way: That small, thoughtful comfort item that you know your friend loves? Now’s the perfect time to pick it up for them as a reminder that they’re seen and loved.

Use Scripture for comfort

“For the word of God is alive and active. Sharper than any double-edged sword, it penetrates even to dividing soul and spirit, joints and marrow; it judges the thoughts and attitudes of the heart.” – Hebrews 4:12 [NIV]

Offering words of encouragement from the Bible is a great way to speak life into hopeless spirits and souls.

Don’t know what to say? That’s okay, because God does! His Words are full of healing, hope, and joy for our souls. When we see examples of Jesus comforting someone in the Bible, each one points to who He is as Savior, redeemer, and friend. He sits in the real and raw, He feels their emotions with them, and He takes tangible (and often unexpected) routes along their roads to redemption.

We, too, can pick the unexpected path. Praying with (and for) your friends doesn’t need to be complicated. As we lean in and listen to His heart, the Holy Spirit intercedes for us [Romans 8:26-27]. If you feel prompted, go ahead and ask your friend or family member if you can pray for them right then and there. It might be awkward at first, but sometimes acting as an agent of love means embracing the hard moments to reach hope on the other side.

Here’s what a few CHM members have had to say about the impact of spiritual support:

“God was working on the whole thing. He used people like Katherine to help us. She called to check on me all the time. She prayed with me. It made me feel like a person, and that I was cared about.”

– Cheryl Fuller

“I still receive the nicest cards from CHM members who are praying for us. Though we haven’t personally met these members, their letters are heartfelt and encouraging.”

– Cara Chatwin

“The most astonishing part of my health crisis was the outpouring of prayer support in the form of cards, letters, and emails from CHM members across the country. Each week our mailbox was filled with fervent, written prayers from the amazing Body of Christ.”

—Alice Rouse

Use emotional intelligence: How to know what to say (or not)

Not knowing the right words to say isn’t a unique experience, especially when staring down sorrow, grief, fear, or a new medical diagnosis. However, offering a listening ear is often more important than sharing our own thoughts.

According to a study conducted by Zenger Folkman, listening well and offering more silence in conversation leads to enhanced relationships and stronger trust between individuals. This means that welcoming silence can help build your biblical community and strengthen your mutual sense of belonging.

Combining active listening skills and the power of your presence (being willing to show up when it counts) employs your emotional intelligence. When we spend more time listening and simply being physically and mentally present, we’ll be more likely to say the right thing at the right time.

Beat burnout when caring for others

While we help our friends and family cope with their medical diagnosis, grief journey, or chronic conditions, it’s important to stay aware of our own capacity. Burnout symptoms encompass a whole host of physical and mental red flags, including exhaustion, emotional numbness, headaches, stomach issues, sleep issues, loss of motivation, and more.

It’s completely normal to encounter heightened emotions, secondary stress, or caregiving concerns while serving others. But facing fear, grief, and helplessness doesn’t need to keep you down. Here are a few tips to help you as you face your own feelings:

• Acknowledge the hurt: Don’t deny your thoughts, feelings, or concerns. Be present in the validity of the trials you’re witnessing.
• Seek your own support system: Just as you’re bearing the burdens of your hurting friend or family member, you equally need biblical community to rely on during your own struggles. Find a trusted friend, family member, church pal, pastor, or counselor to talk to and process your emotions together.
• Take time to reset: Sometimes we need to start a new rhythm to reset our nervous systems and prioritize physical wellbeing. Step away when you need to take breaks and use that time to sit in God’s presence, start a new hobby, or spend time in self-care.
• Bring it all to Christ: Everyone has limits – except for God. The only way we can continue to serve is by staying connected to the source of help and healing Himself. Renew your soul and spirit by spending time talking to Him, and rest knowing that He will guide you every step of the way.

Our CHM story is simple, real, and grounded in faith.

My husband and I run a dairy farm while I pursue my work as an artist and owner of Bonnie Mohr Studio. As hard-working Christians, we focus on raising our family, living life to the fullest, and making ends meet. With children, employees, and our own healthcare needs, CHM offered a comprehensive solution at a price we could manage. It was a divine answer to our prayers.

We took the plunge and joined August 2017. We’ve had a range of medical expenses from minor surgery and physical therapy to kidney stones. In every situation, CHM staff and members have been incredibly supportive, caring about our physical wellbeing, offering emotional support, and sharing our medical bills.

In a world where everything seems automated, CHM stands out with real, personal contact. I feel valued and heard every time I call. It’s a refreshing experience as real people genuinely want to help you. The CHM family is absolutely amazing—a constant source of comfort and reassurance.

Lately, God is teaching me about the power of prayer and importance of biblical community. We’re meant to support and care for one another; it’s God’s will for His children.

Through CHM, I’ve witnessed firsthand how God works in unexpected but beautiful ways. I’m awestruck when I see CHM members—who start off as strangers—lifting each other up in prayer* and supporting each other financially through this ministry. It’s a constant reminder of the power of faith and how Christians are never alone.

CHM has become an important part of my own toolkit, both for my own healthcare needs and as an opportunity to minister to others. By affording me time towards my art, I use my art to give back through donations and help others in need. The CHM family’s spirit of giving inspired me to create a new line of artwork reflecting the real presence of God in our lives.

I love working with like-minded people who share the core values of our Christian faith. CHM provides generous dependable support at a more affordable cost than conventional health insurance. This is an ideal solution for our family and small business owners. This made a meaningful difference for us, giving us peace of mind and solid protection for our healthcare needs without the high premiums. CHM members truly are a light in this world, and I am grateful for their presence and support in our lives.

*Editor’s note: CHM members can directly impact fellow CHM members through Prayers Unceasing and CHM’s Prayer Wall. Prayers Unceasing is featured in every Member Contribution Form (monthly billing statement); it’s a list of CHM members who gave permission for members to send prayerful notes of encouragement by email or mail. CHM’s Prayer Wall can be found on the Member Portal and is a place where members can submit prayer requests and see how many people are actively praying for them.

 

“I have told many people how CHM members care for one another, not just financially, but also in prayer. Some look at me in disbelief, but I’ve been a part of CHM for more than 15 years and I can attest to the fact that it is unlike any other organization out there. Our God is good.”

Linda Bruno

St. Johns, FL

CHM stands the test of time.

Ministry is who we are and what we do. We—and really, you—have done ministry since 1981, and that’s not going away.

In our 40 plus years of serving, here’s what we’ve seen matters to you.

Biblical foundation

An organization’s values matter. CHM derives its purpose directly from scripture: “Bear one another’s burdens, and so fulfill the law of Christ.” [Galatians 6:2, ESV] As a CHM member, you’re living out this scripture by bearing burdens of one another’s medical expenses.

CHM is a health cost sharing ministry for a reason. Acts 2 and 4 talk about the early church, “who shared everything they had” [NLT]. We can see the work of the Holy Spirit in the hearts of CHM members who come together to share, steward, and glorify God with their resources by willingly giving to fellow Christians. Since 1981, you’ve shared over $12 billion in each’s others medical bills.

“To the glory of God and thanks to the CHM family, we paid our final hospital bill today!
We could not be more grateful to be a part of this ministry. Our God is faithful!”

Ralph and Barb Orcutt

Milaca, MN

Financial health

Financial wellness impacts many parts of our lives—our relationships, decisions, physical health, and our relationship with God.

According to Forbes, the average Affordable Care Act marketplace health insurance plan in 2025 costs $590 a month (without subsides) while CHM’s CHM Gold with CHM Plus $287 monthly contribution is less than half. One way CHM’s costs remain low is through provider discounts negotiated by members and CHM. Last year, discounts made up 40% of eligible medical costs submitted to CHM.

Equally important is CHM’s financial health. As a ministry:

• We’ve satisfied 100% of eligible medical bills since 1981.
• More than ninety cents of every dollar goes toward members’ medical bills (The Better Business Bureau’s Standards for Charity Accountability recommend charities spend at least 65% on program expenses).
• Our financial stewardship, integrity, and transparency are demonstrated by being the only health cost sharing ministry to earn third-party accreditation.

Spiritual partnership

A key component of what makes CHM different is our call to ministry, coming alongside you as a compassionate spiritual partner.

CHM staff pray for and with our members over the phone, by email, and on social media. Members pray for each other through our prayer tools. Each month cards of encouragement crisscross the country as members reach out to those requesting prayer. Being a part of the CHM family means you aren’t facing a medical event on your own. The body of Christ is praying with and for you.

“We are new to CHM, but our experience has been a beautiful one. The ability to empower other Christians with spiritual and physical health at the same time has been a paradigm shift. Thank you to all the CHM members who contribute their money, faith, and prayers.”

Jill Lex

McCall, Idaho

Service that’s different—and makes a difference

We’re an alternative approach that values out-of-the box thinking.

Contrary to health insurance, we help you find high-quality healthcare providers, reduce your out-of-pocket costs, and simplify your healthcare experience—so you get the care you need.

For example, CHM Care Solutions are a unique way CHM serves you and your family. They provide specialized care for your body, mind, and spirit, and include areas such as maternity, surgery, cancer, virtual care, and prescriptions.

“I needed hernia surgery and read about Complete Surgical Care Solution, part of CHM’s Care Solutions. I’m so glad I did. They were kind and recommended two different surgeons. They helped me every step of the way. Thank you, CHM, and all the members, for sharing.”

Steve Graber

Branson, Mo.

A cancer diagnosis feels sudden, overwhelming, and filled with unfamiliar words that carry deep consequences. Terms like “stage,” “grade,” or “metastasis” are spoken quickly during early appointments, leaving patients and their families confused and anxious.

As a family physician, I’ve learned the importance of individuals understanding the language of their diagnosis. Clarity empowers wise decisions, which is why I’m providing the foundational terms related to cancer.

Types of cancer

A diagnosis typically starts with the type of cancer, based on where it began—not where it spread. These include:

• Carcinoma: Cancers in skin or tissue lining organs.
• Sarcoma: Cancers in bones, muscles, or connective tissue.
• Lymphoma: Cancers of the lymphatic system (the bodily system that fights infection).
• Leukemia: Cancers of the blood and bone marrow.
• Myeloma: Cancer of plasma cells in bone marrow.

Stages of cancer

Stages of cancer describe how far the cancer has spread, which is crucial for determining treatment and prognosis. The most common system for determining a cancer stage is the “TNM system”:

• Tumor (T): Size and extent of the original tumor.
• Nodes (N): Involvement of nearby lymph nodes.
• Metastasis (M): Whether it has spread to distant organs.

From this, the cancer is grouped into stages I through IV:

• Stage I: Small and confined within a capsule or “basement membrane.”
• Stage II: Larger and/or penetrated through to nearby tissues.
• Stage III: Spread to nearby lymph nodes.
• Stage IV: Metastasized to distant organs.

Cancers discovered in their earliest stage are more often curable. However, in later stages, survivability decreases. In general, someone whose cancer is discovered in Stage I has a 95% likelihood of surviving at least five years, 50% if discovered in Stage II, 25% in Stage III, and only 5% at Stage IV. When it comes to cancer, “an ounce of prevention is worth a pound of cure.”

Tumor grade

While stage describes how far cancer has spread, “grade” describes how aggressive the cancer cells are.

• Low-grade: Cells resemble normal tissue and usually grow slowly.
• High-grade: Cells look more abnormal and often grow/spread quickly.

Understanding tumor grade helps physicians predict the cancer’s behavior and tailor treatment accordingly.

Biomarkers and genetic testing

Cancer is increasingly treated based on its molecular signature—its unique genetic mutations or protein expressions.

• Biomarkers are substances (proteins, genes, or hormones) that give information about the cancer.
• Genetic tests can identify mutations that may guide treatment.

These insights are key to personalized medicine, enabling more targeted and effective treatments with fewer side effects.

What to ask your doctor

When you or a loved one receives a cancer diagnosis, consider asking the doctor:

• What type of cancer do I have?
• What stage and grade is it?
• Has it spread beyond the original site?
• What are my treatment options, and what do you recommend?
• Should I consider genetic or biomarker testing?
• What is the goal of treatment: cure, control, or comfort?

Writing these questions down and bringing a trusted family member or friend to appointments can help ensure nothing is missed.

Consider a second opinion

Cancer diagnosis and its treatment are complex. In many cases, getting a second opinion can mean the difference between life and death, according to research shared by Johns Hopkins Armstrong Institute for Patient Safety and Quality. During the team’s in-depth study, researchers found that “diagnostic errors were the most common, most catastrophic and most costly of medical mistakes.” Furthermore, misdiagnosed cancers accounted for 37.8 percent of the “diagnostic errors leading to death or serious, permanent disability.” Though an additional step in your medical journey, these statistics alone suggest it’s worth considering getting a second opinion for any cancer diagnosis.

Faith and clarity

A cancer diagnosis is deeply personal and frightening. We feel as if our own body has betrayed us! But knowledge is our ally. By understanding your diagnosis, you gain not only clarity but the strength to engage with your care in a more hopeful, grounded way.

God is not absent in the world of biopsies and scans. He is near, offering wisdom, peace, and community—through physicians, their clinical teams, loved ones, and ministries like CHM. As you begin this journey, know that we are here to walk with you—through Cancer Care Solution, prayer, and shared faith.

Reference(s)

https://www.hopkinsmedicine.org/news/newsroom/newsreleases/2019/07/johns-hopkins-medicine-researchers-identifyhealth-conditions-likely-to-be-misdiagnosed

“Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving, let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your minds in Christ Jesus.” [Philippians 4:6-7, ESV]

It’s the time of year when kids return to school. For any parent, it’s natural to worry about your child’s wellbeing. Childhood is a pivotal time for learning, growing, and establishing important socialization skills—and much of this is accomplished through their schooling.

When your child goes back to school, remember that we have an all-powerful God who loves and cares for our children far beyond what we can even imagine. It’s important to connect with God and bring our praises, worries, and requests to Him—to provide us with much-needed peace and to equip our children with what they need to prosper.

Here’s a prayer to pray over your children for the upcoming school year:

God, I’m so grateful to you for the gift of my child(ren). It’s such a joy to be their parent, and it’s a blessing to see them flourish into who You’ve created them to be. Please protect them as they face inevitable hardships, that they would lean on You when they encounter stress and anxiety. I pray that they would keep Your word in their heart and that it would serve as a shield from anything that would do them harm.

Please reveal to them ways that they can love and uplift their fellow students; help them be the voice of Jesus to their peers. And if they see others behaving in an unloving way, I pray that they will stand up for truth, that they would not give into peer pressure, and that they would display the love of Christ in each moment. Amen.

As summer winds down and the rhythms of school, work, and extracurricular activities ramp up, many of us find our schedules stretched thin. The sun rises later, sets earlier, and our free moments seem to shrink with the daylight. Yet, amid the hustle, Scripture reminds us that “your body is a temple of the Holy Spirit” (1 Corinthians 6:19), and we are stewards of the health God has entrusted to us—not just spiritually, but physically as well.

So how can we stay healthy and active when time is short and energy is low?

Why movement matters

The science is clear: regular physical activity is one of the most important things you can do for your health. The Centers for Disease Control and Prevention (CDC) recommends at least 150 minutes of moderate-intensity exercise per week—ideally spread out over most days of the week. That’s just 30 minutes a day, five times a week. Exercise improves heart health, boosts mood, reduces the risk of chronic disease, strengthens bones and muscles, and helps regulate weight. For busy parents, students, and professionals alike, it also boosts energy and focus—making you more productive, not less.

But what if 30 uninterrupted minutes feels impossible?

The power of “bite-size” exercise

Good news: research increasingly supports the benefits of breaking your daily movement into shorter sessions. Studies show that three 10-minute periods of moderate exercise (like brisk walking, stair climbing, or bodyweight strength work) can offer similar cardiovascular and metabolic benefits as one 30-minute session. Consistency and intentionality matter most.

Here are a few easy ways to fit meaningful movement into your daily life:

• Morning warm-up: Start your day with five to 10 minutes of stretching, jumping jacks, or a quick walk around the block. It wakes up your body and mind.
• Active breaks at work or school: Stand up once an hour. Do a few squats, wall push-ups, or pace during phone calls. Even a 10-minute walk on your lunch break adds up.
• Family fitness: Instead of sitting on the couch after dinner, take a family walk, or if you have kids (or, like me, grandkids), run around with a game of tag.
• Weekend reset: Use part of Saturday or Sunday for a longer activity—bike rides, hikes, or a visit to a local park. Our family has a new favorite, enjoyed by young and old alike: pickleball!

These micro-movements benefit your body and refresh your spirit. Moving your body can be a form of prayerful reflection or an opportunity to listen to Scripture, a worship playlist, or a devotional podcast. Most of my book ‘reading’ is accomplished during outdoor runs.

A balanced view of health

As followers of Christ, our motivation for health should be different from the world’s. We don’t exercise to impress others or earn self-worth, but to honor God with our bodies, increase our capacity to serve others, and live joyfully in the calling He’s given us. A healthy body helps fuel a healthy heart, mind, and spirit.

Health isn’t only physical movement. Adequate sleep, proper hydration, and nourishing food are vital, especially when life gets busy. Making small, consistent choices—like drinking water instead of soda, packing a fruit and protein-rich snack, or turning off screens 30 minutes before bed—can also go a long way towards staying healthy.

Stewardship, not perfection

Perfection isn’t the goal—faithfulness is. There will be days when plans change, workouts get skipped, or the to-do list wins. That’s okay. Give yourself a break. Just don’t let those moments derail your efforts entirely. Progress over time, anchored in purpose, is what leads to lasting health.

We’re reminded in Galatians 6:6, that we “reap what we sow,” and verse nine tells us to “not grow weary in doing good, for at the proper time we will reap a harvest if we do not give up.” Staying healthy amid a busy life is doing good. It’s part of loving God with all your strength [Mark 12:30] and being ready for the work He’s prepared for you.

So this season, remember: you don’t need a gym membership or a free hour to stay active. You need a willing heart, a pinch of creativity, and a faithful perspective.

Let’s move forward—one step, one stretch, one flight of stairs at a time.

References

• U.S. Department of Health and Human Services. Physical Activity Guidelines for Americans, 2nd Edition. 2018. https://health.gov/paguidelines
• Rebar, A. L., et al. (2015). A meta-meta-analysis of the effect of physical activity on depression and anxiety in non-clinical adult populations. Health Psychology Review, 9(3), 366–378. https://doi.org/10.1080/17437199.2015.1022901
• Murphy, M. H., et al. (2009). Accumulated versus continuous exercise for health benefit: A review of empirical studies. Sports Medicine, 39(1), 29–43. https://doi.org/10.2165/00007256-200939010-00003
• Oja, P., et al. (2015). Effectiveness of physical activity promotion interventions in primary care: Systematic review and meta-analysis of randomized controlled trials. BMJ, 350, h759. https://doi.org/10.1136/bmj.h759 The Scope of the Problem

Health insurance is expensive. Rising premiums and deductibles are a problem for countless families and singles. It also restricts the choice of doctors and hospitals available. Trying to understand the complicated rules of a policy adds even more stress to the mix. 

Most people don’t realize they have other options for healthcare. If insurance is a burden on you, self-pay could be a viable solution. 

Self-pay is when patients pay for medical charges without the help of insurance. This includes routine doctor visits, lab tests, and outpatient procedures. Instead of dealing with networks and approvals, self-pay patients work directly with healthcare providers—often at a reduced cost! More U.S. citizens are choosing self-pay than ever before.  

If you’re a long-time insurance user, this might make you uncomfortable. Going to the doctor without coverage feels like an unnecessary gamble. Before dismissing it, you should understand the clear advantages self-pay can offer. Read more to see why it could be a good pick for your healthcare! 

How Self-Pay Can Save You Thousands in Medical Costs 

Choosing self-pay can save you a lot of money. It seems counterintuitive, but many healthcare providers upcharge insurance companies. Patients then end up with hefty medical bills they struggle to pay. This is because of a few complicated reasons we’ll get into later.  

With self-pay, providers can offer substantial discounts when you don’t have health insurance. That discount can be the difference between owing hundreds or thousands of dollars!  

By not having insurance, you have no monthly premiums or deductibles to meet. You only pay for the care you need, and that’s it! You also don’t get hit with fees for seeing doctors outside a provider network. 

Get Clear, Upfront Pricing on Healthcare with Self-Pay

Because a patient isn’t using insurance, it encourages providers to be more transparent. Many insurance users deal with huge medical bills without understanding why. Healthcare providers charge insurance companies extra for a few reasons, including:

The remaining charges are then passed down to the patient. So, it can be much more expensive than if they hadn’t even used insurance in the first place. Self-pay patients can get lower rates because they’re seen as less risky. Providers are also more willing to give a sizeable discount if prompt payment is guaranteed.  

Patients who self-pay also have peace of mind by knowing where their money is going. Receiving an itemized bill with all the charges gives them a sense of control. They can dispute anything they don’t understand right away. Unlike insurance, they know exactly what they’re paying for. Having an extra layer of bureaucracy removed makes everything more understandable. Their payments go straight to medical bills with no strings attached. 

Choose Your Doctors with Self-Pay Flexibility 

Health insurance is restrictive by nature. Insurance companies have a provider network of specific doctors and hospitals. This can limit patients from being able to see the provider they trust. If you were to go with a doctor out-of-network, you’d get hit with fees from your insurance. 

Self-pay offers far greater freedom and control. Without a network to limit you, you can choose the doctor you prefer. You’re no longer restricted to a small pool of private practices and hospitals. That means you can search anywhere for a provider you trust, at a price you can afford. It’s like shopping and cost-comparing for any other good or service.  

There’s no need for pre-approvals or referrals either! Self-pay patients go to the doctor they need without any red tape. It gives you the authority to manage your healthcare decisions based on your needs.

Simplify Your Healthcare Experience by Paying Out of Pocket 

Another great benefit of self-pay is how streamlined the healthcare process is. Insurance works the exact opposite way. Are you ever confused about the summary of your charges vs. the actual bill? Or why something wasn’t covered when it should have been? Health insurance often leaves you on hold when issues arise.  

Disputing a charge is another major hassle. It makes users navigate complex systems and rules while advocating for themselves. This needless frustration happens all the time during the insurance claims process. 

Self-pay patients avoid this system altogether. They work with their doctors without any middlemen involved. There are no claims, approvals, negotiations, or finding a doctor in-network. Patients can search for healthcare providers and compare prices on their terms. Choosing self-pay bypasses the miscommunication between insurance companies and billing departments. There are no surprise bills, forms to fill out, or denials to fuss over. 

Opting out of insurance removes most of the friction we’ve grown so used to. It’s simple, direct care with no hoops to jump through. 

Is Self-Pay Right for Your Healthcare? Here’s Who It Helps the Most 

While self-pay isn’t right for everyone, it’s a great option for many Americans frustrated by the traditional system. Not dealing with bureaucracy and high premiums is an exciting prospect! Below are some groups that may find self-pay to be a good solution: 

If you’re one of the groups listed here, it could be time to drop your insurance. Before you do, ensure you have enough savings for a sudden medical emergency. Whether you have insurance or not, it’s wise to have money set aside for any health needs.

How CHM Supports Christians Who Choose Self-Pay for Their Healthcare 

More Americans are opting out of insurance—and for good reason. Self-pay frees you from the hang-ups that are now commonplace. Let’s do a quick recap of all the advantages we’ve covered: 

Self-pay can help you save money, expand your options, and take control of your healthcare. If you’re a Christian interested in this alternative, CHM is a great solution. We’re a cost-sharing ministry—not insurance! That means you get all the perks of self-pay, plus having unexpected medical bills satisfied by other believers. Join CHM today and see for yourself! 

For more than three decades, I’ve walked alongside countless individuals and families through one of the most feared diagnoses in modern medicine: cancer. It’s often called the “C word”—a term whispered rather than spoken—because of the fear, uncertainty, and profound disruption it brings to every life it touches.

The scope of the problem

Cancer isn’t a rare affliction. According to the National Cancer Institute’s Surveillance, Epidemiology, and End Results (SEER) Program, approximately two million new cancer cases were diagnosed in the United States in 2024 alone. Nearly 40% of Americans will receive a cancer diagnosis at some point during their lives (SEER, 2024). Few families remain untouched.

Cancer’s danger lies not only in its prevalence but in its diversity and unpredictability. With over 100 distinct types—each varying in aggressiveness, treatability, and long-term outcomes—the disease defies simple solutions. While advances in detection and treatment have improved survival rates for many cancers, others remain devastatingly lethal. For example, pancreatic and glioblastoma cancers still carry five-year survival rates below 10% despite medical progress (American Cancer Society, 2024).

Complexity of cancer treatment: A maze of decisions

Beyond the immediate fear of diagnosis, the treatment journey itself often becomes a daunting maze. Cancer care typically involves a team of specialists: medical oncologists, surgical oncologists, radiation oncologists, hematologists, radiologists, and pathologists. Each plays a vital role in formulating a treatment plan that may include surgery, chemotherapy, radiation, immunotherapy, targeted therapy—or a combination of these.

However, this multidisciplinary approach often requires patients to coordinate care across multiple providers and even multiple facilities. Navigating this web of appointments, tests, and treatment sessions can be exhausting. For families already burdened by fear and uncertainty, the fragmented nature of cancer care can feel overwhelming.

Moreover, treatment decisions are rarely straightforward. Options must be weighed against potential side effects, quality of life considerations, and the likelihood of success—often without clear answers. It’s not unusual for patients to seek second or third opinions, further complicating the care pathway and leading to delays or conflicting advice.

Cancer’s financial and emotional toll

The challenges of cancer aren’t confined to only physical and logistical realms. Financial toxicity—a term increasingly used in oncology literature—reflects the severe economic burden that cancer care can impose. According to a 2023 study published in JAMA Oncology, 42% of cancer patients deplete their entire life savings within two years of diagnosis.

Alongside the financial stress is the emotional toll. Patients often wrestle with anxiety, depression, and feelings of isolation. Family members, too, face the strain of caregiving, fear of loss, and uncertainty about the future. The spiritual challenges are equally profound, as individuals grapple with questions of mortality, purpose, and God’s presence in suffering.

CHM’s commitment to supporting our members

At CHM, we recognize that cancer is not just a medical condition—it is a life-altering journey that affects the whole person: body, mind, and spirit. Cancer remains one of the greatest health challenges of our time, but together, as a community of believers committed to bearing one another’s burdens (Galatians 6:2), we can provide hope, guidance, and practical help. It’s my prayer that, through these upcoming months, CHM members will feel empowered, supported, and spiritually strengthened—no matter where the cancer journey leads.

When Jesus walked into the temple and saw tables full of money changers, He did what any self-respecting, perfect, holy Son of God would do: Drove them out with his handcrafted whip snapping over their heads as He was flipping tables.

“And making a whip of cords, He drove them all out of the temple, with the sheep and oxen. And He poured out the coins of the money changers and overturned their tables” John 2:15 [ESV].

We often think of Jesus as peaceful. Loving. Kind. A healer. A transformer. We think of Him with the Samaritan woman, we see Him protecting the woman about to be stoned or healing the blind and the crippled. We think of Him surrounded by children. We remember Him bearing our sins to the cross.

But we rarely think of Him as angry: flipping tables, scattering animals, and chasing people out with a whip.

Jesus and the Pharisees

From the moment Jesus started His ministry, He ruffled feathers. Mostly, the feathers of the religious leaders who thought they spoke for God. With their rules, they gave themselves more and more power, determining what was holy and what was not; what was acceptable and what was a sin.

They had taken God’s word and twisted it.

Even the money changers in the temple were there originally as help. It was meant so that people coming in from long distances could purchase animals and supplies for sacrifices and change their foreign money into local currency.

But rather than be a service, they exorbitantly overcharged for the convenience. They would inspect animals for sacrifices and falsely find blemishes so that people would be forced to pay more for a different animal. They’d charge intense interest rates to exchange currencies.

In short—they made profit off of people’s faith.

Culturally, it was known and accepted. Per the Pharisees, they were doing the right thing.

But Jesus would not stand for it. He disobeyed His culture—and stood instead for what was right.

Commands of Jesus

Following Jesus often requires us to “disobey” modern culture. By following Jesus, we’re often swimming upstream. Think of some of His examples and commands:

• Denying yourself to follow God [Matthew 16:12]
• Removing the plank from your own eye before taking a splinter from someone else’s eye [John 7:1-5].
• Tearing out your eye if it causes you to sin [Matthew 18:9]
• Loving your enemy [Matthew 5:44]
• Eating with tax collectors and sinners [Luke 15:1-2]
• Redeeming a shamed Samaritan woman [John 4]
• Disobeying Sabbath traditions to heal people [Matthew 12:9-14]

In each of these commands, Jesus saw the culture as it is—the Jewish culture, the religious rules and traditions, and even our own American and church culture here today—and called His disciples to do better.

Following Jesus

Running counter-cultural and rocking the boat does not always guarantee smooth sailing. Jesus understood this well.

“And the chief priests and the scribes […] were seeking a way to destroy Him, for they feared Him” [Mark 11:18].

The Jewish leaders saw Jesus’ act as a challenge to their authority in their most sacred space. Jesus flipping tables is our example—when we break cultural norms to love people and display God, we’re also flipping tables.

However, even when we experience pushback for living unashamedly and counter-culturally, we don’t have to fear. “Take heart,” Jesus said. “I have overcome the world” [John 16:33 NIV]. We know who we’re following, we know His example, and we know that we’re running our race well.

Jesus flipping tables

Disobedience is a big word, with a lot of meaning behind it. Often we think of it as negative and disruptive. It isn’t always though. So when you ask yourself what would Jesus do?, flipping a table is an option.

Here is your calling: disobey culture, disobey norms, disobey yourself. Instead, run fully towards Jesus, following His example of perfect obedience to God and shining a light of love, compassion, and healing to a broken world.

Disobey like Jesus did—and change the world.

Manhood—especially biblical manhood need not be confusing or complicated. What does it mean to be a man, specifically a man of faith who is interested in pleasing God and living for Him?

The unique, God-designed differences between men and women are to be celebrated. For men, biblical manhood’s characteristics are worthy of praise, appreciation, and admiration. We’ll look at several such characteristics and the men of the Bible who embodied them.

Men of faith

Faith is a defining characteristic of our relationship with God—and therefore is a core characteristic of a biblical man. Hebrews 11:6 [NIV] says, “Without faith it is impossible to please God.” A man who loves God and desires to please Him and lives by  faith (trust in God and His character).

Abraham is the “father of our faith” [Galatians 3:7] for a good reason: He demonstrated trust in God by leaving his home, traveling to a new country, and believing God’s promise of a child when he and Sarah were old. His faith in God extended to willingness to sacrifice (though not required to be carried out) that same child—his only son [Genesis 22:1-19]. Paul, in Romans 4, writes about Abraham: “Yet he did not waver through unbelief regarding the promise of God, but was strengthened in his faith and gave glory to God” [Romans 4:20]. Abraham is a true example of a biblical man who lived by faith in God.

Leadership

Leadership is another characteristic of biblical manhood. Husbands are the spiritual leaders of their homes [Ephesians 5:23], and often have opportunities to lead in the church, in their jobs, in their communities, and most importantly, to lead themselves.

Jesus, our ultimate example of leadership, modeled servant leadership. In Matthew 20:26, Jesus told his disciples, “Whoever wants to become great among you must be your servant.”  Jesus demonstrated serving for His disciples by washing their feet. He said: “Now that I, your Lord and Teacher, have washed your feet, you also should wash one another’s feet” [John 13:1-17]. Jesus did the lowliest task to demonstrate leading by serving others, ultimately laying down His life for us.

Strength

From a biblical standpoint, there’s an important component to strength that comes from depending and relying on God. Christian men who wish to demonstrate true strength will find the source is trust and reliance on God’s strength and ability, not their own.

When God sent him to free His people, Moses used excuses not to go, even asking God to send someone else. God answered him by saying, “I will be with you” [Exodus 3:12 NIV]. Later, in Numbers 12:3, Moses describes himself as the most humble man on earth. If humility is to depend on God, we can conclude that Moses learned to draw his strength from God.

Paul is another example of someone who relied on God for his strength through trials [2 Corinthians 11:23-29]. In 2 Corinthians 12:9, Paul shares what God showed him: “But He said to me, ‘My grace is sufficient for you, for my power is made perfect in weakness.’” Later Paul writes: “I can do all this through Him who gives me strength” [Philippians 4:13 NIV].

To display biblical manhood, walk your faith and trust in God by depending and relying on Him for His strength and ability, trusting that He’ll give you everything you need to live out your calling as men of God.

During 30 years with CHM, I’ve had the privilege of seeing firsthand the challenges and victories our members experience navigating the healthcare system. A major gap is that many members don’t have a primary care doctor. True primary care—a trusted doctor who knows you, can manage most of your needs, and is available when you need them—is rare today.

Dr. Geoffrey Rutledge, the co-founder and Chief Medical Officer of HealthTap, understands this gap. He’s board certified in internal and emergency medicine, plus he’s served on the faculty at Harvard and has a Ph.D. from Stanford in Medical Informatics. He used that combination of knowledge and experience to build WebMD, “the most successful consumer health website,” as well as Epocrates, a highly successful mobile app that provides medical professionals access to entire libraries of clinical information.

Dr. Rutledge knows the indispensable value of primary care, which is the foundation on which HealthTap was built.

Understanding HealthTap’s mission

HealthTap was founded over 15 years ago with the goal to use mobile devices to bring personalized, relationship-based healthcare to people. HealthTap is designed to make it easier for people to choose their doctor, build a relationship, and stay connected through both video visits and direct messaging.

CHM members can choose a board-certified primary care physician (typically with at least 20 years of experience) and establish an ongoing relationship with that doctor. They can schedule appointments for common and chronic medical conditions, such as high blood pressure, diabetes, respiratory infections, cold and flu symptoms, UTI, and more. (Any member with an emergency situation should go immediately to the Emergency Room or call 9-1-1.)

 After an extended first visit, members can message their doctor at any time between visits. This is all included as part of the CHM membership. 

That’s not only convenient—it’s transformative. 

Restoring the primary care relationship 

Many people don’t understand primary care. Even now, only one-of-three CHM members who engage with HealthTap do so on the primary care side of the service. Most only call when they need urgent care.

A friend of mine recently told me he didn’t have a primary care doctor. He just went to different specialists depending on the part of his body ailing him. His question: if I know what expert I need, why wouldn’t I go directly to the specialist? My answer: without a central, coordinating physician, your care becomes fragmented, expensive, and frankly, more dangerous. It’s like a football team without a quarterback or an orchestra without a conductor.

Ideally, your primary care doctor is independent from—but your first point of contact with—the healthcare system. Most of the time, primary care can handle 80-90% of your medical needs. If a referral is needed, they can guide you through it thoughtfully. 

Unfortunately, 70% of today’s primary care physicians are employed by hospital systems. Their schedules are overbooked, the time pressure is immense, and scheduling a visit can take weeks or even months.

With HealthTap, CHM members are often able to virtually see a doctor the same day, or within the week. And once the relationship is established, members can communicate with their doctor anytime.

A better way—for patients and physicians 

What excites me most about HealthTap is that it’s not only changing healthcare for patients—it’s renewing purpose for physicians. Doctors, especially experienced ones, quickly get burned out by the pressures of corporate medicine. Annual surveys have documented burnout rates as high as 63%, with many doctors considering leaving medicine altogether.

HealthTap offers them something different: flexibility, simplicity, meaningful relationships, and the ability to truly focus on patient care. And that matters. When a doctor knows you, practicing medicine becomes satisfying once again: they can make more accurate decisions, and avoid unnecessary testing and follow up. That’s what makes care personal and effective. 

Try HealthTap today 

If you are a CHM member and don’t have a primary care doctor—or are having trouble getting in to see your doctor when you need them—consider using the HealthTap app.

It’s time we brought relationship-based care back to the center of healthcare. I believe HealthTap is a vital part of making that dream a reality. 

Important: Telehealth consultations conducted outside CHM’s designated Virtual Care Solution—whether by telephone or other digital means—are not eligible for sharing (see Guideline V.E.9.g).

Eggrolls are messy inside. Have you ever noticed that? Despite how tasty and orderly it looked on the outside, the inside is full of carrots, cabbage, and other ingredients twisted together without much rhyme or reason.

Doesn’t that feel like us sometimes?

I often find myself thinking that I must be perfect before I can go to God. All the ducks must be in their rows, all the rows must be straight, and I’d better have read my Bible before I come before Him in prayer.

Any of my mess—my emotions, my worries, my doubts, my trauma, my mistakes, my sins—they must all be neatly tucked away in boxes, hidden away from the sight of a perfect God.

And yet, despite my best efforts to order my ducks, they are not ducks—they are cats, and they are everywhere. And as I strive for perfection, it’s as if I forget that my holy God has already done the work on the cross to make me blameless, and I don’t have to do a thing.

All things work together for good

Before an eggroll is ready to eat, you must first gather the ingredients. They’re chopped up, rolled in the wheat flour wrapping, and deep fried in hot oil. In other words, it needs to be prepared.

Amid this preparation process, it might not seem like anything good is happening. After all, it’s only individual ingredients scattered across a cutting board, broken and unassuming, unaware of the wonderful thing it’s about to become.

But isn’t it beautiful? We serve a Master Creator.

He sees all the ingredients of our lives, the pains and the joys, the sorrows and the successes, and then He brings them together for good. He uses our circumstances to prepare us for His plans for us, plans, as Jeremiah says, to “prosper you… plans to give you a hope and a future” [Jeremiah 29:11 NIV].

As Joseph tells his brothers in Genesis 50:20 [ESV], “As for you, you meant evil against me, but God meant it for good.” There is nothing God cannot use and redeem. He takes the mess of our lives and transforms it.

Beauty for ashes

God knows. He knows the pain. He knows the hurts. He sees the memories that run through your mind as you try to sleep.

And He promises healing.

“To all who mourn in Israel, He will give a crown of beauty for ashes, a joyous blessing instead of mourning, festive praise instead of despair. In their righteousness, they will be like great oaks that the Lord has planted for His own glory.”

Isaiah 61:3 [NLT]

No matter what “mess” you’re bringing to the table, God wants to exchange it for a crown of beauty. He sees your ashes and He’s trading you beauty for your brokenness.

We can see His redemption played out in the lives of so many people in the Bible:

• Jacob
• Moses
• David
• Each of His disciples
• Mary Magdalene
• Nicodemus
• Paul
• And so many more

This is the same redemption available to us.

So before you wear yourself out chasing after perfection, feeling the need to “clean up” before you come to God, remember: He sees. He knows. He’s holding out His loving hands with the promise of beauty, forgiveness, and redemption. He’s giving you beauty for ashes.

Your brain is the hub of your body: It receives signals from throughout the body, determines what they mean and how to react, observes the world around you, stores all of the knowledge that you’ve learned, and gives you the ability to make decisions. It keeps your memories and your personality. It coordinates your emotions, thoughts, and actions. And that’s a short list.

With so much responsibility resting on your brain, it’s important to keep it healthy and strengthened. Here are five ways to build your cognitive health and maintain a healthy mind.

1. Eat brain-healthy foods

An article by Harvard Health found that adding these types of foods increased brain health while also protecting your heart and blood vessels:

• Green, leafy vegetables are rich in brain-healthy nutrients like vitamin K, folate, lutein, and beta carotene.
• Fatty fish are good sources of omega-3 fatty acids.
• Berries contain flavonoids, which help improve memory.
• Walnuts are excellent sources of protein and healthy fats—and they contain omega-3 fatty acids.

2. Challenge your brain

Your brain is a muscle: By challenging it, you continue to help it grow, strengthen, and build. Easy ways to do this include learning something new, tackling puzzles, reading, playing games, discovering new hobbies, or volunteering somewhere new. By taking your brain out of its comfort zone, you’re improving your brain health.

3. Get a good night’s sleep

When you sleep, you allow your brain to rest. Just like everything else, your brain needs this time to recover, rejuvenate, store memories, and more. By getting the correct amount of sleep, you’re allowing your brain to recover from the past day, prepare for the next day, and become healthier.

4. Protect your head

Protecting your head and brain from injury is one of the biggest ways you can keep your brain safe. Wear a helmet when you’re riding a bike, working in an area where things could fall on your head, or other scenarios. Be careful on ladders or places where you might fall. If you do suffer a concussion or other head injury, be sure to visit the doctor and have it treated.

5. Stay active

By staying active and exercising, you can reduce your risk of cognitive decline, including dementia. A study  found that cognitive decline is almost twice as common in adults who are inactive compared to adults who are active. Staying active doesn’t mean you need to spend hours in the gym each day: adding small activities into your daily routine can make a big difference! Take the dog for a walk, dance, invite some friends for a run, take an exercise class, or do a martial art—these are all easy ways to stay active.

“Why aren’t you listening to me?!”

“That’s not what I said!”

“How do you think I feel?”

We’ve all been there—whether it be a conversation with a child, spouse, coworker, or friend. Interpersonal relationships (interactions between people) require equal emphasis on both speaking and listening. However, when we try to speak (or listen), we often focus on the content of the message and forget about the recipient of the message: the person standing in front of us.

Shifting our focus changes both our relationship with others and our broader understanding of biblical community.

Why is communication important?

We tend to think of communication as a two-way street—one person talks (the messenger) while the other person listens (the receiver). There might be a bit of interference (noise) as the conversation (message) is delivered, but the information largely “gets across.” However, if you’ve ever been in any kind of relationship before, you know this two-way model isn’t at all accurate. For example:

• While your coworker might be hearing parts of what you’re saying about the project, they might also be thinking about that tasty tuna salad sandwich they had for lunch.
• Although you’re willing to let your spouse decompress when they arrive home from a long day at work, you’re distracted and overstimulated by the toddler who just made a mess next to your (now untidy) dinner table.

At its core, communication is about connection with community. That’s why effective communication skills are crucial. Every person is created in the image of God [Genesis 1:27] and thereby deserving of our respect.

Learning and implementing communicative models and behaviors sets us up for success in biblical community and ultimately, in our relationship with God.

Effective communication techniques and tips

Without raw conversations, joyful inside jokes, and real heart-to-heart moments, our interactions and healthy dynamics rapidly deteriorate.

It’s tempting to give up on humanity, especially if we’ve been hurt in the past. However, we’re meant to draw strength from our biblical community as we live life together and encourage each other [Hebrews 10:25].

How to be a better communicator in a relationship

Wouldn’t it be nice to step into a conversation and know exactly what to say? While there isn’t one “quick fix”, there are techniques that can help you build closer, stronger connections and have more effective communication with those you care about. Tackle your next conversation by trying out these tips:

Do a quick perception check: During a conversation, repeat back what you’re hearing from the other person. Whether it’s a feeling, thought, or statement, a little bit of clarification goes a long way. That could be something as simple as, “It sounds like you’re feeling XYZ. Is that accurate?” “So, when I said that, you thought XYZ. Is that correct?”

Be real with your inner circle: Social Penetration Theory states that our relationships are like the layers of an onion. The more disclosure (information) we share with each other, the closer our connection becomes. That level of “information sharing” must go both ways, and not everyone will be (or should be) in your “inner circle.” However, it’s important to have the real, raw, conversation with those trusted people. God puts friends and family (and friends who become family) in our lives to cultivate and serve each other’s hearts.

Practice prayer and encouragement: Prayer is an effective form of communication that we’re privileged to have with Christ. When we pray, we can be our most authentic selves, bringing our praises, petitions, and daily life updates to Him. He cares about it all! As we receive encouragement from Him, we can offer that same encouragement to others.

Stretch your muscles with conversation starters: If you want to have more honest heart-to-hearts or form a new friendship, try out some conversation cards! Bringing easy, open-ended prompts can help take the pressure off both parties and add a bit of fun.

Croutons: love them or hate them, they’re the small, unassuming salad sidekick perched atop our lettuce leaves, often served at restaurants or alongside a soup selection.

Despite their size, they pack a powerful crunch, adding variety and texture to a dish. In fact, National Crouton Day, which occurs in May, is entirely dedicated to celebrating the versatility and variety of the little toppings.

While it’s true that croutons are a type of bread, they’re far from their original form. While once part of a loaf of bread, they’ve since been cut, seasoned, and baked until they have a crispy texture and a tough crust.

But what if Christians can also become like croutons?

Yep, you read that right. As believers, we can become spiritually dry and form a hard “external crust” if we’ve been disconnected from the true bread of life: Jesus. When we reach out to other sources for nourishment or cut off the hurting parts of our hearts, we end up distracted and discouraged.

As believers, it’s awfully hard to find our breakthrough if we’re already burned out from being “fried and seasoned” with the hardships of life.

The life of Jesus

Don’t give up hope: we’ve all been there. Whether you’ve built up emotional walls out of self-preservation or self-condemnation, or you’re just plain tired, God understands.

The life of Jesus is the ultimate example of how to live fully loved, refreshed, and alive.

Disillusions and disappointments have a way of creeping into our wilderness moments. Thankfully, we have a Savior who sympathizes with our struggles [Hebrews 4:15]. He isn’t sitting back watching our life, shaking His head in disapproval wondering “Why don’t they just get it together already? Why did they stop serving?” Instead, He’s a God who walks with us through the wilderness.

Jesus encountered His own wilderness moments. In Matthew 4:1-11, Jesus faced a 40-day, 40-night period with temptation. In fact, “The tempter came to him and said, ‘If you are the Son of God, tell these stones to become bread.’ Jesus answered, ‘It is written: ‘Man shall not live on bread alone, but on every word that comes from the mouth of God;” [Matthew 4:3-4].

John 6:35

The enemy tempted Jesus with physical nourishment after a long period with hunger, and Jesus put him in his place by quoting Scripture. Striking at the heart of the enemy’s schemes, here’s what the enemy didn’t know:

Jesus already is the source of nourishment itself as the bread of life.

Here’s what the enemy hates:

We have access to the same nourishment today.

Every one of us has likely witnessed the “crouton Christian” in real life:

• They’re the ones staying late to clean up after the worship night with a bit of a scowl.
• They’re the ones who made plenty of pies for the church potluck but look like they accidentally sipped a bit of prune juice on the drive over.
• They’re the ones plastering on a smile after facing another slip-up.
• They’re the believers burned out, scraping by with just enough spiritual leftovers to get through another day.

They’re in the mirror staring back at us.

“Then Jesus declared, 
‘I am the bread of life. Whoever comes to me will never go hungry,
and whoever believes in me will never be thirsty.’”

John 6:35 [NIV]

Here’s the good news: we can be real and raw as we walk through the process of redemption. Our hard “external crust” can soften when we realize that we don’t have to muster up enough courage to nourish our own souls.

Jesus came to be our nourishment—our bread of life—so we wouldn’t have to turn into “crouton Christians.”

He doesn’t find it difficult when you draw from Him. What’s difficult is for us to stop striving or stifling the hurts in our hearts from a place of spiritual stagnation and self-preservation. However, when we stay still long enough for His strength to overtake our tough exteriors, when we’re brave enough to soften, He is faithful to refresh and renew our souls.

His offer always stands.

Primary care physicians (PCP) are like conductors of a symphony. Not only do they orchestrate your overall health and care, they can often manage your conditions at a much lower cost than specialists.

Primary care physicians can include these types of doctors:

• Family doctors treat patients of all ages, from children to seniors, both men and women.
• Internists focus on adult health and manage conditions and complicated diseases, such as diabetes, high blood pressure, kidney failure, and so on.
• Pediatricians specialize in caring for children, from newborns to teenagers.
• Geriatricians focus on the unique healthcare needs of older adults and often work in nursing homes, skilled nursing, and assisted living facilities.

Each of these physicians plays an important role in keeping you and your family healthy.

What can a primary care physician do for me?

A primary care physician is the leader of your healthcare team. They don’t just treat you when you’re sick—they also reduce your risk of complications and help prevent illnesses before they start. They provide:

• Routine check-ups to keep track of your health.
• Vaccinations to protect against diseases.
• Treatment for common illnesses like colds, infections, and the flu.
• Help with managing chronic conditions such as diabetes, asthma, or high blood pressure.
• Advice on nutrition, exercise, and healthy habits.
• Referrals to specialists when you need advanced care.

Having a PCP means you have a doctor who knows your medical history and can guide you through health choices.

There is a difference between a primary care physician and a primary care provider:

• A physician is a medical doctor (MD) or a doctor of osteopathic medicine (DO) who has the broadest medical training available to diagnose and treat disease. Physicians in good standing with their state medical boards have an unlimited scope of practice and an unrestricted license.
• A provider is a broader term that can include physicians, nurse practitioners (NPs), physician assistants (PAs), and other healthcare professionals. These latter types of providers are often referred to as physician “extenders,” because they have restricted licenses and their scope of practice is limited by law.

Both physicians and other providers can offer quality healthcare, but knowing the difference can help you choose the right person for your needs.

What primary care looks like in everyday life

Justin Davis, owner of a health tech company, first discovered primary care when he discovered that his newlywed wife’s family physician could see him as well. This doctor took care of his wife while she was pregnant, managed Justin’s osteoarthritis, and “everything in between.” Then one of their children began developing a serious mental health problem and was referred to a child psychiatrist. Unfortunately, the next available appointment was a year away.

When Justin went in for a routine appointment, he shared his concerns about his daughter. After asking several questions, his doctor encouraged Justin to bring his daughter in, which he did a few days later. After an assessment, this family physician prescribed a protocol that showed immediate benefit and stabilized her. A year later, when they finally got to their appointment, the child psychiatrist blessed the protocol and said, “That’s exactly what I would have done.”

How does HealthTap provide primary care value?

Understanding the importance of primary care, CHM’s Virtual Care Solution is now powered by HealthTap, an online healthcare service that makes primary and urgent care services convenient and accessible. With HealthTap, you can:

• See a doctor virtually through your phone, tablet, or computer.
• Ask medical questions and receive expert answers quickly.
• Get prescriptions sent to your pharmacy without an in-person visit.
• Receive ongoing care for chronic conditions.

HealthTap is far more than a typical telemedicine solution. Their entire mission is to make primary care accessible to you: your doctor who knows you and is available. HealthTap brings together the priceless value of your own primary care physician with modern technology.

Conclusion

A primary care physician is an important part of staying healthy. They help patients of all ages manage their health. Whether treating illness, preventing disease, or guiding you to specialists, a PCP is your partner in long-term health. Services like HealthTap make it even easier to access primary care, ensuring that you can get the medical help you need anytime, anywhere.

Spring invites us to open the windows, feel the air breeze through our homes, and watch in awe as fresh rain cultivates the budding trees. The physical changes of spring might be most notable in nature; however, our souls have a “spring season”, too.

Spring in the Bible reflects the core of Christ’s heart towards us: restoration. Like the visible transformation we see during the changing seasons, our spiritual seasons prompt us to embrace freshness in our spirits and new life in our hearts.

A new beginning

In his book, The Lion, the Witch and the Wardrobe, author and theologian C.S. Lewis paints a picture of Jesus through the character of Aslan, the great lion. Throughout the book, a prophecy is foretold about the lion who will bring spring (as well as justice, goodness, and unity) back to the fictional land:

Wrong will be right, when Aslan comes in sight,
At the sound of his roar, sorrows will be no more,
When he bares his teeth, winter meets its death,
And when he shakes his mane, we shall have spring again.

C.S. Lewis, The Lion, the Witch and the Wardrobe

While Aslan is a fictional character meant to represent Christ, C.S. Lewis’ work echoes the truth found in scripture. Although every season has a purpose, we aren’t meant to remain in one season forever.

In Song of Songs, God shows us His desire to have a loving relationship with His people, the church. In fact, it’s His love that imparts a season of new beginnings:

 “See! The winter is past; the rains are over and gone. Flowers appear on the earth; the season of singing has come, the cooing of doves is heard in our land.” [2:11-12, NIV]

First day of spring

You might feel like your “season of singing” was replaced long ago by the pain of your past, problems of your present, or fear of your future. Or perhaps you’re too burned out, disappointed, or busy to hear the “cooing of doves.”

Take heart, beloved child of God. Yes, your normal, human reaction might be flawed. Yes, your soul might be stuck in a “winter season.” However, that’s more than okay, because God isn’t driven away from your darkness, dashed hopes, depression, or doubt. In fact, He welcomes you—your whole self—in every season.

Because of Jesus’ finished work, new life never fails.

Just as we look forward to the first day of spring so we can officially enter a new season of nature, we can fix our focus on God and enter a new season of soul-nurture.

What is your “first day of spring”? Maybe it’s a new opportunity, a new relationship, or a new purpose. Or perhaps it’s simply daring to allow your heart to dream, love, or hope again. No matter what your “spring” looks like, it always matters to God.

All things new

Scripture about seasons shows us that God works in all areas and circumstances of our lives, turning even what the enemy meant for evil into good [Romans 8:28]. Here are a few examples to restore your heart with newness:

• Isaiah 43:18-19 [NIV]: “Forget the former things; do not dwell on the past. See, I am doing a new thing! Now it springs up; do you not perceive it? I am making a way in the wilderness and streams in the wasteland.”
• Revelation 21:5 [NIV]: “He who was seated on the throne said, ‘I am making everything new!’ Then he said, ‘Write this down, for these words are trustworthy and true.’”
• 2 Corinthians 5:17 [ESV]: “Therefore, if anyone is in Christ, he is a new creation. The old has passed away; behold, the new has come.”

Just as the rain hydrates the ferns, flowers, and forests, God’s love hydrates our hearts with fresh revelations of His transformative love:

• A fresh start gives us the courage to begin again.
• A fresh perspective gives us wisdom to steward our days and gifts.
• A fresh renewal of grace gives us redemption to break chains of fear and shame.

In craving communion with us, Christ invites us to accept fresh life bought by His sacrifice at the cross.

The best part? It’s a life of endless beginnings.

Think of what life would be like without nurses. You wouldn’t have someone there to do your checkups, administer shots, or help you with treatment plans. No one would be there after surgery or before surgery, no one would be there to assist the doctor, and your pleas for help would be unanswered. Plus, there’d be no nurse friend to call when you have weird symptoms and are wondering if you need to go to the ER or not.

Scripture repeatedly encourages people to care for the sick and the broken, even saying that “as you did it to one of the least of these my brothers, you did it to Me” [Matthew 25:40]. This is exactly what nurses do! They’re the hands and feet of the ultimate Healer.

If you’re looking for ways to encourage some of the nurses in your life, here are some Bible verses to uplift them.

• “…I was sick and you visited Me… as you did it to one of the least of these my brothers, you did it to Me.” – Luke 25:35; 40
• “Serve one another humbly in love.” – Galatians 5:13
• “And He sent them out to proclaim the kingdom of God and to heal the sick.” – Luke 9:2
• “Those who hope in the Lord will renew their strength. They will soar on wings like eagles; they will run and not grow weary, they will walk and not be faint.” – Isaiah 40:8
• “Therefore, as we have opportunity, let us do good to all people…” – Galatians 6:10

A nurse’s prayer

Praying for the nurses in your life—whether they’re family members, friends, or the people currently helping to take care of you—is always appreciated. It’s one way you can give back to the person who’s giving so much to you.

If you’re not sure what to pray, think about praying for:

• Strength as they go through their shift
• Compassion and understanding as they work with their patients
• Comfort through the difficult moments
• Wisdom for treating patients
• God’s presence in their shift and daily life

As you lift them up in prayer, also think about the people that they’ll be serving and helping that day. Pray that they would be agents of peace and kindness to those they encounter, and that God’s healing would be present through them.

Encouraging healthcare workers

Nurse, doctor, surgeon, technician: they’re each important parts of our medical system. Without them, we’d have a much different experience. As Christians, we’re called to show love and kindness for those around us.

Here are some ways you can support your medical staff, whether you’re interacting with them for a routine checkup or surgery.

1. Speak words of encouragement. Some days are long. Some days are hard. We’ve all had those days.  When you see your doctor or your nurse, look for ways to encourage them and build them up. Share Bible verses for nurses or doctors with them, or other words of encouragement!
2. Offer to pray for or with them. God works powerfully when His people come together in prayer! Through your prayer, you can encourage them, support them, and nurture their soul.
3. Thank them for the work they do. Be sure to thank them for how they’re caring for you, helping you to stay healthy and their willingness to be there during difficult moments.

Scripture says it best: “Therefore encourage one another and build one another up” [Thessalonians 5:11]. As you interact with them, know that your words have impact! Being a source of encouragement and Christian love can help change the trajectory of their day.

The search for the perfect name often comes with feelings of both pressure and joy. Whether you’re looking for traditional or unique biblical names for 2026, you’re in the right place! We’ve compiled a list of top names with Christian meanings to help you find the perfect name for your little one. 

Choosing a baby’s name is just the beginning of your parenting adventure. If you’re looking to start a family, or if yours is already growing, it’s never too early to think of meaningful or unique names that match your faith and hopes for your little one. 

Biblical names

“If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him.” (ESV)
[James 1:5]

Choosing the right name for your tiny bundle of joy can feel like a tall order! As always, wise decisions start with prayer. Names and their meanings are important in the Bible and are still important today. Being prayerful about what to name your newborn can be a blessing to them both now and in the future. 

Whatever name you choose, it will be like every gift from God—blessed, loved, and perfect.

Popular Christian baby girl names

Christian parents often name their daughters after women of faith who exemplify Biblical virtues and values. They may appreciate the wisdom of Deborah, the mercy of Miriam, or the strength of Sarah.

Here’s a list of strong Biblical and faith-inspired names for girls in 2026:

1. 1
   Seraphina

   Meaning “ardent” and “fiery,” this name originates in Hebrew, referring to the six-winged angels or “seraphim” described in the book of Isaiah. 

2. 2
   Evangeline

   In Greek, this name translates to “bearer of good news.” Evangeline has soared in popularity over the past twenty years, even spreading to the Philippines and Nigeria.  

3. 3
   Marie

   A French variation on the name Mary, the mother of Jesus. While less popular than in previous generations, Marie is seeing a quiet revival. 

4. 4
   Charity

   A classic but underappreciated virtue name, meaning the greatest kind of love. Charity was popular in the late 1800s, then saw a resurgence in the 70s and 80s.  

5. 5
   Joy

   Another virtue name that gained popularity with Christian groups in the 1600s. Joy is a fruit of the Spirit and a frequent subject in the New Testament epistles. 

Runner ups

If these options aren’t quite the right fit, consider a few other popular Christian names: Hannah (favor, grace), Dorothy (gift of God), Noelle (Christmas), Joanna (God is gracious), or Phoebe (pure, radiant).

Popular Christian baby boy names

Some boys have names inspired by Biblical leaders who set a high bar or speak to a parent’s heart. Parents may admire the faith of Abraham, the boldness of Elijah, the courage of Daniel, or the enthusiasm of Peter.

Enduring and unique Christian baby boy names in 2026 include:

1. 1
   Noel

   This name, often linked to the holiday, is the French word for “Christmas” or the birthday of Christ.  

2. 2
   Jude

   One of the brothers of Jesus and author of the book of Jude, this is a classic name, gaining a lot of popularity in the last few decades. 

3. 3
   Thomas

   A name of one of the twelve disciples and a fixture of the top 50 US boy names, Thomas is a solid choice for its timeless appeal.   

4. 4
   Kit

   Meaning “bearer of Christ,” this name continues to rise in popularity for it’s simple yet modern sound. 

5. 5
   Jericho

   Jericho is a strong “place name,” referencing the ancient city conquered by the Israelites in the book of Joshua.  

Runner ups

James (supplanter), Daniel (God is my judge), Shepherd (sheep herder), Jeremiah (appointed by God), and Benjamin (son of the right hand) are also solid options for Bible-inspired names.

2026 trending baby names

According to Nameberry.com, a popular baby-naming site, Bible-inspired names that have long been popular include Jacob, Noah, and Elizabeth. Other recently trending names include picks such as Elijah, Genesis, Zoe, and Silas.

Biblical baby names for special blessings

Popular baby names and less common options are all worth considering as you build your list of names. The reasons parents pick one baby name over another are as unique as the child themselves. Some parents decide right away, while others take time before settling on the perfect name. 

Whatever your preferences, a name that’s guided by prayer and given in love is sure to be a lifelong blessing to your child.

CHM’s Virtual Care Solution (VCS), which will now be powered by HealthTap, will provide easy access to virtual primary care and urgent care for every CHM member through board-certified doctors who listen to you. HealthTap also covers the virtual care Telehealth, Teledoc, and former HealthiestYou services.

Members who use Complete Surgical Care Solution (formerly Advantage Care Solution) experience a number of perks, including quality healthcare, out-of-pocket savings, and a simplified experience.

But what do we mean by simplified experience? What does the process look like?

Making surgeries easier for members

Complete Surgical Care Solution (CSCS) is available for members who have a diagnosis and a surgery recommendation. If you have a diagnosis and surgery recommendation, here’s what you’ll do next:

1. 1
   Contact the Surgical Care Team and submit documentation

   Email the Surgical Care Team at CSCS@CHMinistries.org, and a team member will respond within 24 to 48 hours with the information needed to see if your medical condition might qualify for CSCS participation. Once qualification is determined, we’ll ask you to collect medical records (going back at least two years) from the physician who diagnosed you and submit them to CHM along with a completed Sharing Request Packet. These medical records are necessary to determine eligibility and receive a clear picture of your surgical needs.

2. 2
   Connect with your CSCS provider

   Once eligibility is determined, our Surgical Care Team—with the help of our nurse navigators—will research the best healthcare provider options. Before offering you a recommendation, they’ll assess the provider’s success rate for your specific medical condition, the provider’s education and years of experience, and your location and preferences. Once your provider is determined, you’ll be able to coordinate directly with your provider on a surgical date that works for you, and we’ll check in with you before surgery to offer encouragement and prayer.

3. 3
   Receive travel accommodations

   If travel is necessary to receive your procedure, the Surgical Care Team may arrange and manage travel accommodations for you. You don’t have to arrange or manage anything. Just show up with your already-booked reservations!

4. 4
   Focus on healing!

   And that’s it! You only need to receive your medical care, and we’ll pay your provider directly on your behalf.* You won’t need to submit any bills for services included in the CSCS process. You just focus on getting better and let us take care of the rest.

   *CHM Bronze and CHM Silver participants may have additional Personal Responsibility (PR) amounts that they’ll need to pay directly to their provider after the $1,250 PR reduction is applied.

CSCS may or may not accommodate follow-up care. Any eligible follow-up care not processed through CSCS will need to go through the regular CHM sharing process.

Want to learn more about Complete Surgical Care Solution and its perks?

We live in a fast-paced world. Between work, family, and daily obligations, it seems like there’s always something to do. Even when things are going smoothly, you can still feel stressed, tired, and maybe even a bit anxious.

Here’s the good news—you’re not alone! Parenting, a job transition, or even just the busyness that consumes our lives causes weariness. That’s why it’s important to learn to rest well and make time for recovery. Even Jesus went away to pray.

Rest stop

Imagine you’re on a long car ride to your favorite vacation destination. After five hours, you’re more than a little tired, sore, and let’s face it, probably “hangry,” too. Suddenly, you spot a rest stop in the distance. You’re able to pull over, stretch your legs, and get some much-needed fresh air and food.

We all need “rest stops” in our lives. God never meant for the Christian life to become so consumed with stress and worry that our souls reach empty. Running on fumes is exhausting and leaves us unable to give our best to our family, our friendships, and our daily tasks.

Knowing how to rest is just as important as knowing how to do your job or care for your family. That’s why Scriptures about rest highlight the importance of sitting at Jesus’ feet to draw from the living water and satisfying our weary souls.

The Promised Land

We all want rest. So did the Israelites! They wandered in the wilderness for 40 years. That’s a long time to never have a place to truly call home. They dreamed of the Promised Land, a place flowing with what they needed and with what their hearts desired.

Even after their disobedience, God never gave up on the Israelites. He, too, wanted to bring them into a restful place where they could settle and thrive.

What’s your “Promised Land”? Maybe it’s a few moments of peace, a nap after work, or a chat with a friend. Regardless of the reason, God wants to bring you to new levels of peace and provision.

Sabbath

We’re called to rest in the Lord. But rest and recovery doesn’t come by striving. We’ve subconsciously believed a very persuasive—though well-meaning—lie. In our culture, worth equals work. We assume if we’re not working, then our needs will go unnoticed. After all, who will get the bills paid, the kids dressed, and the laundry folded?

There’s nothing inherently wrong with being a faithful servant who works hard and strives for excellence. But we can either work from a place of restlessness or restfulness.

The Bible points out that resting is a requirement for work. Yes, you read that right. Rest is a requirement. After creating the world, God rested on the seventh day [Genesis 2:2-3]. He even went so far as to set apart the seventh day of every week as a Sabbath day for His people to find restoration [Exodus 20:8-11]. He knows our restless hearts and desires to soothe them with healing only He can provide.

“Come to me all who are weary”

The Bible talks about resting in the Lord because He understands the intricacy of our souls. He knows that we need a resting place for heart, soul, mind, and body.

It’s easy to associate fitness with gym. Suddenly, the word is replaced with images of rows of weights, protein shakes, dull runs on a treadmill, and that nagging reminder that you haven’t yet been to the gym this week—or month. Now think of trying to wrangle the entire family there. Sound impossible?

It doesn’t have to be! By reframing what fitness is and how to be fit, you can create a lifestyle that prioritizes health and fitness in a fun, lifegiving way.

Reframing fitness

We all know the benefits of being healthy: a better mood, more energy, better sleep, healthy weight, an immunity boost, brain development support, and so much more. God created us to be active! However, trying to actually be active often feels like a chore or a checkbox that looms on our lengthy to-do list.

It’s easy to fall into the trap of imagining fitness as exercise only. However, when we reframe this thought, the dread of getting and staying in shape can disappear. It’s not about going to a gym and lifting weights just to say we did it or running to burn the calories off because we ate that donut.

Working out isn’t about checking off to-do items—it’s about enabling you to do the things you want to.

Because you work out, you can take that hike to a waterfall with a friend. You can help your neighbor move. You can ride a bike with your family. You can play tag or basketball or go swimming.  Fitness gives us energy for daily life—and the things we enjoy most.

Staying fit as a mom

Let’s be real: Parenthood is time-consuming. Between all the daily tasks, the 9-5, and keeping up with the kids’ schedule, it can feel like there isn’t any time for yourself, much less to spend on fitness. Running after those kids seems like enough of a workout already.

Here are some ways to fit fitness into your daily routine.

• Schedule it out. Put it on your calendar and treat it like an appointment. Make sure others are aware of it and know that you’ll be busy during that timeframe.
• Find something you enjoy. If you enjoy trail running, do that. If you prefer weightlifting or a martial art, pursue that. If you hate biking, don’t do that. By staying active in ways you enjoy, you’re more likely to prioritize it.
• Do it with friends. Find a Zumba or Pilates class to do with your friends or have a weekly run in your favorite park. By working out together, you’re more likely to stick with it and it’s a whole lot more fun.
• Get the whole family involved. By exercising and staying active together, you’re helping your family develop strong habits and stay healthy—all while getting your own workout in!

Fitness tips: family edition

The American Heart Association recommends that kids get an hour of moderate to vigorous activity every day. How can you fit that in your busy schedule? Here are some ideas.

• Get toys that promote activity. This could be bikes, jump ropes, sport supplies, skateboards, etc. Do these activities with them and empower them to be active in their play.
• Share the outdoor chores. Include them in home maintenance chores such as mowing the lawn, raking leaves, shoveling snow, etc., to help your family both stay active and complete necessary tasks around the house.
• Make activity a daily part of life. Have fitness days and find ways to naturally stay active within your schedule. This could be a family walk or bike ride after dinner, playing a sport together, or even a spontaneous dance party!

Family wellness as Christians

Staying healthy and fit as an individual or as a family sets you up for success—and stewards the body God gave you. “Or do you not know that your body is a temple of the Holy Spirit within you?” Paul asks in 1 Corinthians 6:19-20 [ESV]. “So glorify God in your body.”

Proverbs also references strength as a characteristic of the wise: “A wise man is full of strength, and a man of knowledge enhances his might” [Proverbs 24:5]. “She dresses herself with strength and makes her arms strong,” it later says of the Proverbs 31 woman [Proverbs 31:17].

As we maintain our physical health, we’re praising our Heavenly Father. Our fitness enables us to help the people around us, demonstrate His love, and be the hands and feet of Christ in real, tangible ways.

Looking for ways to stay active while helping your community? You could:

• Help elderly neighbors mow their lawn or do basic repairs around the house
• Volunteer at a food drive or community clean up
• Help your church with landscaping
• Run in a race supporting a local charity

Let’s build our families up in strength and wellness, glorifying God through our physical health.

Le says “I love how CHM allows me to spend time with my kids, and still be able to pursue my dreams with my husband and build our business. My original prayer for my family was to be able to raise them up in the way they should go, but also contribute to my family financially.” CHM gives Le the flexibility to do both.

Le and Sonny share that, “CHM gives us freedom to choose our provider, to pursue our calling, and to also raise our “basketball team”, our five kids. What we love about CHM is that it’s convenient, it’s affordable, and it allows us to chase our dreams as entrepreneurs.”

Le and Sonny are the successful small business owners of Fit Foodie Le.

Saving for retirement might seem like a daunting task. Packed full of twists and turns, every discovery brings either confusion or clarity.

But it doesn’t have to be a frightening foray. In fact, this is an exciting time to dream big and make plans. Let’s dive into a few questions as you calculate and save. As we lean on God, He’ll give us wisdom and understanding for the journey ahead.

How much do I need to retire?

The age-old question is often “How much should I save for retirement?” But financial planning for retirement isn’t a “one size fits all” approach. How much you need depends on multiple factors, the most important being your current financial state and future long-term goals.

Every individual will have a different definition of what success looks like. As you consider how much you need to retire, it’s necessary to evaluate your goals before making any big decisions.

Here are a few quick questions to write down and answer:

• What does financial wellness look like in my life?
• What’s my big-picture vision for retirement?
• Have I considered all my healthcare options?
• How should I plan for any medical bill costs that might arise?
• What retirement benefits do I need?
• How much do I currently have in retirement savings?

Evaluating these questions is a great first step to deciding how you can reach your financial retirement goals. As you write out your answers, consider connecting with a professional financial advisor. They’ll be able to speak into your specific situation and provide you with advice for practical next steps. You can also learn more about financial stability for retirement through outlets like Dave Ramsey.

What to do in retirement

After thinking about your big-picture vision, it’s important to nail down your practical goals and consider what you want to do in retirement. Opportunities are endless!

Here are a few quick questions to get your brainstorm going:

• What does retirement mean in terms of rest?
• What does retirement mean in terms of vocation?
• What does “living comfortably” look like to you?
• What does it mean to live a healthy lifestyle or pursue good nutrition?
• Are there any new adventures you’d like to pursue?
• Is there a ministry opportunity or God-given dream you’ve wanted to chase?
• What priorities matter most to you?

God has given each of us unique gifts and talents, and retirement planning doesn’t leave those behind! Retiring from your career doesn’t mean that you’re retired from God’s purpose. In fact, now is a great time to devote talents and resources to what matters most.

As you consider what to do, remember that life is an adventure meant to be lived in step with Christ. God knows what dreams are in your heart, and He is faithful to guide you in wisdom. You have unique opportunities to serve your family, friends, and church with the insight, perspective, and encouragement He provides along the way.

Healthcare in retirement

After deciding on your vision and goals, it’s important to consider healthcare options. While retirement planning does involve the typical day-to-day finances, healthcare costs are a major factor for financial well-being. Being prepared puts you one step ahead.

With inflation and the increasing cost of healthcare, medical bills can add up. No matter what your current health status is, it’s a wise idea to set aside savings dedicated to your physical care.

Look at your Medicare options and talk through your needs. It’s important to know, too, that while Medicare Parts A and B (or a Medicare Advantage Plan) typically covers most of your healthcare costs, it’s not uncommon for seniors to find themselves with large amounts of unpaid medical bills. Consider additional options that can take care of extra medical costs in case an illness or injury were to arise.

Here’s a few questions to consider:

• How much do I have set aside for healthcare costs?
• Would an additional option be beneficial for me?
• Can this option work well with my Medicare coverage?
• Is it comprehensive enough for my needs?
• Will it help take care of any large medical bills that I might not anticipate?
• Does this option provide me with a solution that aligns with my faith?

With so many voices in the healthcare marketplace, it can be hard to decide what makes sense for you and your needs. That’s why CHM created a program just for retirement-age members: CHM SeniorShare™.

If you have Medicare Parts A and B (or a Medicare Advantage Plan), you’re eligible for our comprehensive CHM program at a senior-friendly price. It’s a great way to lift the burden of eligible medical bills not paid by Medicare. Plus, it’s a fantastic complement that gives extra peace of mind in your retirement planning.

Retirement calculator

After identifying your vision, setting up a plan for your goals, and selecting healthcare options, it’s time to calculate what works best for you!

It’s not one-size-fits-all—it’s always a good idea to consult with a professional for advice that’s specific to your needs. Additionally, comprehensive retirement calculators can give you a big-picture look at your finances as you step into discussions with your financial advisor, friends, or family.

As you figure out how your healthcare costs might look, CHM has a nifty new tool! Check out our comprehensive cost calculator and compare traditional insurance costs to CHM programs. Whether you’re evaluating Medicare options or another cost-sharing service, you’ll be able to see how the savings stack up against CHM. It’s a great way to look at how a program like CHM SeniorShare™ can equip you with flexibility in finances.

Calculators can save you time spent crunching the numbers on your own. Suppose you’re looking to evaluate savings and explore what your investments could look like in the future. In that case, Dave Ramsey provides a retirement calculator that can help you analyze the numbers and think about the next steps.

No matter where your journey to retirement takes you, you can rest easy knowing that God is with you every step of the way. Take heart and embrace the adventure ahead!

Biblical freedom at its core is dependence on God and His Spirit to live out our salvation.

Independence

On Independence Day, we celebrate our freedoms as Americans, fought for and valued by individuals who lived hundreds of years ago. The men who signed the Declaration of Independence valued the principle of freedom enough to put their lives at risk in the pursuit of it.

Freedom in Christ

Freedom is an integral theme in our relationship with God. The turning point for Christians was when Jesus sacrificed His life to secure our redemption from sin and death. Because of this sacrifice, we’re no longer subject to our sinful nature but have freedom in Christ to live according to His command. As He said in Matthew 22:37-39 [ESV], “You shall love the Lord your God with all your heart and with all your soul and with all your mind. This is the great and first commandment. And a second is like it: You shall love your neighbor as yourself.”

Paul reminds the Galatians of their freedom: “You, my brothers and sisters, were called to be free. But do not use your freedom to indulge the flesh; rather, serve one another humbly in love. For the entire law is fulfilled in keeping this one command: ‘Love your neighbor as yourself’” [Galatians 5:13-14 NIV].

Biblical freedom, at its core, is dependence on God and His Spirit to live out our salvation [Philippians 2:12-13]. When we fulfill the commandment to love one another and pursue humility, we’re walking in obedience to God’s Word and living in true freedom.

Abundant life

Through Christ’s freedom, we’re invited to abundant life with Him. John 10:10 [ESV] says, “The thief comes only to steal and kill and destroy. I came that they may have life and have it abundantly.” Jesus’ death and resurrection is the key to abundant life—through it, we gain salvation along with spiritual, mental, and physical wholeness.

Freedom of choice

Practically, our independence can be exercised and experienced through our freedom of choice as citizens of the United States. Of the many freedoms we have, we’re able to choose our own healthcare—caring for the physical aspects of our lives. Freedom of healthcare means we can shop around and select what works best for our family, values, and budget. It means you’re involved in your healthcare decisions and have access to quality healthcare.

As Christians, our faith is central in our lives and should govern our decisions, including our healthcare choices. There are healthcare options besides traditional insurance—options that align with your biblical values and offer flexibility of choice.

Healthcare solutions

Christian Healthcare Ministries offers healthcare solutions for believers who value both their freedom and faith. Through CHM, healthcare freedom means choosing your healthcare providers—there’s no provider network. You’re actively involved in your own healthcare decisions—you and your provider choose the best course of treatment, and CHM reimburses your eligible medical bills. You can take CHM with you—it’s portable and goes with you through life’s transitions. CHM understands not all healthcare is the same, and CHM works diligently to partner with healthcare providers who deliver healthcare quality.

CHM brings together like-minded believers, enabling them to partner together to offer spiritual and financial support by sharing one another’s medical bill costs.

Scriptures on healing point us back to God, our ultimate healer. Nothing escapes His notice.

Jesus knows every tear we cry, every step we take, and every struggle we face. He tackles the tough moments of life and pours rivers of grace over our hearts. He declares that He restores us , mends our afflictions, and heals us by His stripes at the cross.

However, it’s often a fight of faith to focus on just how much Christ cares for us. Carrying the heaviness that comes from sickness, grief, trauma, or everyday weariness runs our souls ragged. Under the burden of brokenness, we forget both who He is and who we’re called to become.

That’s why it’s so important to immerse our lives into God’s Word and spend time in His presence. As we lean into biblical healing Scriptures, we gain a deeper revelation of His character. We aren’t alone in the fight of faith. He heals our scars so we can dream and hope again.

Bible Scriptures on healing and strength

From the moment we took our first breath, there’s been a war waged on our souls. The enemy loves to keep us in bondage, not just physically, but emotionally and spiritually as well.

By focusing on healing Scriptures in the Bible, our perspective changes. We learn how to grow our faith , gain freedom from a broken heart, or even have a deeper relationship with Christ. Regardless of our trial, God is with us.

We typically try to overcome our battles by “toughing it through,” but without Jesus, we’ll never be enough. We end up beating ourselves up in our attempt to soothe our souls. No matter how hard we try, our already bruised and battered hearts can’t comprehend how to save ourselves.

The grace He’s already given is the only salve for our situation. Our physical or emotional pain can only be shattered by sitting in the stillness of His heart. Scriptures on healing the body, mind, and soul connect us to Christ, our true source of strength.

Healing power of God

In Mark 2:17, Jesus explains that the sick need a doctor, not those who are healthy. We can try to “clean up” before coming to Christ, but all our attempts fall short. God’s power transcends our human reasoning. His faithfulness, compassion, and grace make no sense to our heads, but resonates with our hearts.

Our spirits long for redemption. In fact, all human history demonstrates our eternal struggle for power, strength, and restoration. We seek solutions in our attempts at happiness and healing, and some of those options are indeed noble and worthwhile. However, when we make those things our sole focus, we miss out on allowing God to be the physician of our lives.

Scriptures on the power of God continually demonstrate the regal majesty of His gaze. Nevertheless, simply knowing that He cares about us or has all-encompassing strength isn’t enough. He longs to have a relationship with us so we can have new revelations of His love. He longs for those truths to sink from our heads into the depths of our hearts.

As you embark on a journey towards wholeness, know that His timing is perfect. His promises and plans will come to pass, even if we can’t see it yet. Start today by digging into healing Scriptures and be rejuvenated in the presence of His redeeming, world-saving love. He is for you and wants to champion you in every area of your life.

A good father is the cornerstone of a healthy family. Wives depend on their husbands for support in leading and guiding their families, and children will look to their fathers as role models for who they’ll grow to be. It’s a lot of pressure—often overwhelming pressure.

To succeed in your role of fatherhood, it’s important to know the definition of how to be a father, and there’s no better guide to life than Scripture. So what are the characteristics of a good father according to the Bible?

God the Father

To properly understand a father’s role, we need to look to the first and best definition of a father—our Heavenly Father. 2 Corinthians 6:18 [ESV] says, “And I will be a father to you, and you shall be sons and daughters to Me, says the Lord Almighty.”

Love of a father

One of the most important aspects of God’s character as our Heavenly Father is His unfathomable love for us. The infinite mercy and grace He shows us is evidence enough, but He also sent Christ, God the Son, down to earth as the ultimate sacrifice for our sins. If that’s not love, what is? It reveals the self-giving and self-sacrificial nature of God’s love and the true definition of a father. Here are some verses that speak on God’s love for us:

• “Dear friends, let us love one another, for love comes from God. Everyone who loves has been born of God and knows God. Whoever does not love does not know God, because God is love.” – 1 John 4:7-8 [NIV]
• “But God demonstrates His own love for us in this: While we were still sinners, Christ died for us.” – Romans 5:8 [NIV]
• “But you, Lord, are a compassionate and gracious God, slow to anger, abounding in love and faithfulness.” – Psalm 86:15 [NIV]

Fathers are called to model this love and compassion when dealing with their children. Psalm 103:13 [NIV] says, “As a father has compassion on his children, so the Lord has compassion on those who fear Him.” Love is the solid foundation needed for success in child-rearing—love grows the patience, grace, and kindness needed to handle the ups and downs that come with leading a family.

Provision

From Isaac being offered on the altar, to the Israelites wandering through the wilderness, to salvation through the death and resurrection of Christ—God has always provided for us. Here are some verses that showcase God’s provision:

• “If you, then, though you are evil, know how to give good gifts to your children, how much more will your Father in heaven give good gifts to those who ask Him!” – Matthew 7:11 [NIV]
• “There you saw how the Lord your God carried you, as a father carries his son, all the way you went until you reached this place.” – Deuteronomy 1:31 [NIV]
• “Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they?” – Matthew 6:26 [NIV]
• “And my God will supply every need of yours according to His riches in glory in Christ Jesus.” – Philippians 4:19 [ESV]

God is our provider, and fathers are meant to imitate God’s provision with their families. Fathers accomplish this through their work—by providing a house, food, clothes, and more for their children. 1 Timothy 5:8 [NIV] says, “But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever.”

The protector

There are numerous times in Scripture when God protects His people from enemies or disaster. David writes in the Psalms about relying on and experiencing God’s protection when fleeing for his life.

• “But the Lord is faithful. He will establish you and guard you against the evil one.” – 2 Thessalonians 3:3 [NIV]
• “God is our refuge and strength, a very present help in trouble.” – Psalm 46:1 [NIV]
• “The angel of the Lord encamps around those who fear Him, and delivers them.” Psalm 34:7 [NIV]
• “Be strong and courageous. Do not be afraid or terrified because of them, for the LORD your God goes with you; He will never leave you nor forsake you.” – Deuteronomy 31:6 [NIV]

Just as God is our protector, fathers are called to protect their families. This doesn’t necessarily mean a father should interfere every time their child encounters challenges, but it does mean that they should protect them from things that will cause serious harm to their relationships with Christ, with their family, and with themselves. Guiding their children, helping them develop character, and using teachable moments helps fathers protect their children from pitfalls. Proverbs 4:11-12 [NET] says, “I will guide you in the way of wisdom and I will lead you in upright paths. When you walk, your steps will not be hampered, and when you run, you will not stumble.”

Fathers have a crucial role in the biblical family. But leading with integrity, peace, and faithfulness is no small feat.

When the bills increase, your little ones need to get to soccer practice, and your boss adds another task to your plate, it can be hard to keep everything in perspective. Add in the task of raising your children to follow biblical principles, and the life of a Christian father can feel overwhelming.

You might be exasperated, asking, “How can I be a good dad?”

However, God offers to trade His rest for your weariness (Matthew 11:28) and His strength for your weakness (2 Corinthians 12:10). Reading bible verses about fatherhood can help provide you with a renewed sense of hope as you lean into Him and fix your eyes on the One who truly matters.

What does the bible say about fathers?

Bible verses about dads abound. When you have no one else to lean on, know that God watches over you. He can be trusted with your life, your spouse’s life, and your children’s lives.

Lean into what the Bible says about you, and hear His heart towards you today:

• “For I have chosen him, so that he will direct his children and his household after him to keep the way of the Lord by doing what is right and just, so that the Lord will bring about for Abraham what He has promised him.“
  [Genesis 18:19 (NIV)‍]
• “And he will turn the hearts of fathers to their children and the hearts of children to their fathers…”
  [Malachi 4:6 (ESV)]
• “As the Father has loved me, so I have loved you. Abide in my love.”
  [John 15:9 (ESV)]
• “As a father has compassion on his children, so the Lord has compassion on those who fear Him.”
  [Psalm 103:13 (NIV)]
• “And you saw how the Lord your God cared for you all along the way as you traveled through the wilderness, just as a father cares for his child. Now He has brought you to this place.”
  [Deuteronomy 1:31 (NLT)]

Role model

There’s no doubt about it, fathers are considered role models for their families, churches, and communities. You might’ve grown up looking for the perfect Father’s Day scriptures to include in a card to your own dad.

Perhaps you didn’t have a father to “show you the ropes” growing up. Or maybe you had an amazing father figure who took on that role in school or at church.

Regardless of your past, know that God is your Heavenly Father who desires good things for you.

You are His child, and He will never let you down or forsake you. You can look to Him for guidance no matter what mistakes you make, or what life throws your way.

• “You are a hiding place for me; you preserve me from trouble; you surround me with shouts of deliverance. I will instruct you and teach you in the way you should go; I will counsel you with my eye upon you.”
  [Psalm 32:7-8 (ESV)]
• “I will guide you in the way of wisdom and I will lead you in upright paths. When you walk, your steps will not be hampered, and when you run, you will not stumble.”
  [Proverbs 4:11-12 (NLT)]
• “Above all, love each other deeply, because love covers a multitude of sins.”
  [1 Peter 4:8 (NIV)]
• “And I will be your Father, and you will be my sons and daughters, says the Lord Almighty.”
  [2 Corinthians 6:18 (NLT)]
• “I have loved you with an everlasting love; therefore I have continued my faithfulness to you.”
  [Jeremiah 31:3 (ESV)]

Family life

Whether it’s using the best dad jokes, starting family prayer, finding common ground with your teenagers, building a work-life balance, or reading bedtime stories to your toddler, family life looks different in every stage.

As you navigate life’s changes, take comfort in the fact that the fathers of the Bible encountered the same challenges you’re facing today. Nothing you’re encountering today is new to the fathers who have come before you. Plus—we have a God who understands and sympathizes with our weaknesses (Hebrews 4:15). He has the best parenting advice for your children:

“Fathers, do not provoke your children to anger, but bring them up in the discipline and instruction of the Lord.”
[Ephesians 6:4 (ESV)]

“Start children off on the way they should go, and even when they are old they will not turn from it.”
[Proverbs 22:6 (NIV)]

“The father of godly children has cause for joy. What a pleasure to have children who are wise.”
[Proverbs 23:24 (NLT)]

“And you must commit yourselves wholeheartedly to these commands that I am giving you today. Repeat them again and again to your children. Talk about them when you are at home and when you are on the road, when you are going to bed and when you are getting up.”
[Deuteronomy 6:6-7 (NLT)]

You are the right father for your children. You have been given this calling, this opportunity, and this moment in time to make a difference.

Take courage and know that God has placed you here for such a time as this. Remember that He knows exactly what you need, and He is strong enough to tackle every challenge. Walk out your calling with courage and know that Christ will be with you each time. You’re a great dad.

When you’re building a house, you need a set of blueprints and the right toolset. Without the right materials and skills, the house won’t hold up. It’s the same way with entrepreneurship. Whether you’re looking to start your own business, ministry, or online career, you need the right toolkit to thrive as an entrepreneur.

Entrepreneurial characteristics make all the difference, especially in such a competitive landscape. While it might seem daunting, developing a new skill set is within your reach.

Here are some specific areas you can sharpen and stretch.

Growth mindset

We often hear about the importance of growth and having a “new mindset,” but what actually is a growth mindset?

Having a growth mindset vs a “fixed mindset” has to do with our thinking. For example, someone who views challenges as an opportunity for growth—rather than a setback—demonstrates the flexibility necessary to tackle projects with ease. However, moving from a fixed to growth mindset is best accomplished by following the moving of God’s Holy Spirit in us.

Romans 12:2 [NIV]  says, “Do not conform to the pattern of this world but be transformed by the renewing of your mind. Then you will be able to test and approve what God’s will is—His good, pleasing and perfect will.”

Individuals who exemplify these leadership skills believe their abilities can be continually developed. Their circumstances, past thinking patterns, talent, or available resources don’t define them. Instead, those things are just at the start line in the race of life.

In contrast, a fixed mindset is stagnant. It believes that no matter what happens, some things are impossible to change. Stepping out of your comfort zone, putting in effort and hard work, or attempting to move forward is fruitless because nothing will ever transform.

However, if you’re already an entrepreneur or if you’re thinking about taking the jump to developing entrepreneurial skills—you’re likely off to a great start. You’re already thinking differently than others in your field. Continue to stretch those muscles by embracing failure, seeking opportunities for learning, and accepting feedback from others. Adopting change management strategies and exploring new business ideas will equip you to thrive.

Critical thinking

Strategic thinking orients you towards achieving attainable goals. Critical thinking involves careful planning, decision-making, and problem-solving skills. Without strategic thinking, business administration falls by the wayside and project management becomes difficult.

Entrepreneurs have vision. Starting with a strong vision sets the tone for every other piece of the puzzle within your small business. Next, you must evaluate the investment, opportunity, impact, and results of your vision.

Writing out each of these steps in a brainstorming session can be helpful when evaluating new opportunities. While it’s impossible to know exactly how everything will turn out, it’s helpful to think through all potential scenarios.

Networking

Learning how to network is crucial, especially for entrepreneurs. Business networking is an underrated and underdeveloped skill for many individuals.

If you’re feeling overwhelmed or don’t know where to start—start small! Local networking is the best way to make connections right where you are while boosting your confidence and career prospects. Look for groups to join or ask friends and fellow professionals for recommended contacts.

Another option is to reach out online to individuals currently working in the field you desire. Consider asking:

• If you can conduct an informational interview: Come prepared with a list of questions connecting both to your entrepreneurship journey and their experiences.
• If you can stay in contact: Ask if you can meet again, and see if there’s anyone else they’d recommend you connect with, either in-person or online. You never know where just one conversation might lead!

Christian networking isn’t uncommon, and as you develop your professional networking skills, you’ll find the right group of people who will cheer you on.

Continual professional development

Unlike more traditional lines of work, entrepreneurship comes with its own unique set of challenges. Planning, communication skills, and leadership skills are all put to the test. To reach your full potential and explore career opportunities, it’s important to prioritize professional development.

Professional development looks like:

• Mentorship: Find a mentorship program or individual role model who can guide you on your journey. As a Christian, look for someone who has a strong faith and relies on God for strength and wisdom. If you know someone who seems like a good fit—reach out and let them know that you’d like to be a mentee. Life itself is a learning experience, and the advantages of mentorship abound.
• Self-improvement: Business classes are a great way to expand your toolkit. From accounting to communication and graphic design, an entire world of possibilities opens by learning new abilities. Many free online courses exist so you can develop new skills without breaking your budget.
• Success coaching: Different from a mentor, a success coach equips you to talk through challenges and explore solutions on the roadmap to accomplishment. Success coaches provide a formal line of support, as they’ve received training on how to help you explore where you’d like to go while empowering you to craft a plan for future professional success.
• Building faithfulness: Being a faithful servant isn’t always easy, but with God’s help, it’s possible. He calls us to be good stewards of our resources, even when we must wait longer than we think for our dreams and plans to come to fruition. Stay connected to a local church and look for opportunities to serve.

Taking the leap of faith to become an entrepreneur isn’t easy. However, with opportunities for learning around every corner, you have limitless options to develop your skills.

In no time, you’ll be achieving success and navigating challenges with your handy “tool kit.”

If you’ve ever worked in an unhealthy environment where you felt your superiors were taking advantage of you or didn’t value you, you know how drained and unfulfilled it leaves you. Perhaps you’re familiar with this thought: “If I was in charge, I would do things differently.”

As an entrepreneur, you’re finally in a position where you’re in control—you’re the big boss. Now that you have employees or people you work alongside, do you do things differently? Are you the superior you always wished you had?

Power, intelligence, and work ethic—while enticing and important—aren’t all the leadership skills needed to make a good leader. A good leader makes the people under them feel empowered, valued, and appreciated. They’re understanding, empathetic, and willing to serve others. True, biblical leadership is servant leadership.

Jesus explains the meaning of servant leadership in Matthew 20:25-28 [ESV]:

But Jesus called them to him and said, “You know that the rulers of the Gentiles lord it over them, and their great ones exercise authority over them. It shall not be so among you. But whoever would be great among you must be your servant, and whoever would be first among you must be your slave, even as the Son of Man came not to be served but to serve, and to give His life as a ransom for many.”

Examples of servant leadership

What is a servant leader? Here are two great examples of leaders who humbled themselves to serve others in the Bible.

Esther

Esther was brought up from humble Jewish beginnings to become King Ahasuerus’ queen. She kept her identity secret, which played a part in winning the king’s favor. When Esther’s cousin, Mordecai, refused to bow before Haman, the grand vizier, Haman received permission from the king to put Mordecai and the Israelite people to death.

Mordecai pleads his case before Esther, begging her to save him and their people. She resolved to go before the king without permission, knowing this could lead to her death. She approached the king humbly and used wisdom to win his favor before letting him know Haman had sentenced her people to death.

Through her resolve, humility, and bravery, Esther risked her own life to save her people, becoming an amazing example of a servant leader.

Jesus

Jesus is by far the best example of how to serve others. Jesus, fully God, humbled Himself to become a man, accepting the painful and humiliating death on the cross [Philippians 2:8 KJV]. As God, He had the ability to rule over all the earth, but He humbly chose to walk the path of a servant for our sakes.

When Satan approached Jesus, who had been fasting for 40 days in the wilderness, Satan tempted Him to turn stones into bread, to throw Himself off the temple and save Himself, and finally Satan offered Jesus the entire world in exchange for His worship. Instead of giving in, Jesus denied Satan at every turn, choosing to walk the humble path set out before Him [Matthew 4:1-11 NIV].

Throughout Jesus’ time on earth, He extended mercy to the sinners who deserved judgement, often going out of His way to minister to the ones who’d been rejected by society.

At the last supper, Jesus washed the feet of His disciples. He then said, “Now that I, your Lord and Teacher, have washed your feet, you also should wash one another’s feet” [John 13:14 NIV]. Jesus set an example for His followers, radically shifting their perspective of leadership to being someone who serves others, no matter how menial the task.

Later, when Jesus hung on the cross, the people crucifying Him demanded He save Himself to prove He was God, but Jesus stood firm, knowing His death needed to take place for our salvation [Matthew 27:38-44 ESV].

Servant leadership qualities

What are the characteristics of servant leadership in the modern work environment? The first step is reflective prayer. Beyond that, here are some ways you can serve your employees and partners.

Positive work environment

An ideal work environment needs open lines of communication. The people you work with should feel confident coming to you with work-related issues, trusting that you will be receptive and understanding. You have more influence over the work environment than you may realize. If the people you work with are too afraid to come to you with problems, you may need to reflect on what you can do to change their perception of you.

There should never be favoritism amongst your employees, and no one should be given special or poor treatment. Ephesians 6:9 [NIV] says, “And masters, treat your slaves in the same way. Do not threaten them, since you know that He who is both their Master and yours is in heaven, and there is no favoritism with Him.”

Compensation

Your employees know when they’re fairly compensated. You shouldn’t step on the needs of your employees for your own benefit. If your priority is worldly gain, you’re on the wrong track. Matthew 16:26 [KJV] says, “For what is a man profited, if he shall gain the whole world, and lose his own soul? Or what shall a man give in exchange for his soul?”

Prioritizing your employees and their needs and making sure they’re properly compensated exemplifies servant leadership. While it may be tempting to offer minimum wages, it’s often difficult or impossible to make a living off the bare minimum, depending on where you’re from.

Personal accountability

As the leader, you never want to give the impression of weakness and fault, which is why it’s easy to dig your heels in when you make a mistake. But if you apologize and take ownership when you’ve made a mistake, you’ll gain far more respect.

If you don’t take ownership of your mistakes when you’ve erred, you will lose the trust of your coworkers. Proverbs 28:13 [NIV] says, “Whoever conceals their sins does not prosper, but the one who confesses and renounces them finds mercy.”

Teamwork

The people who work for and with you need to know you’re in their corner. If they’re being harassed by a customer or mistreated by a coworker, step in and offer them support. Your employees and partners will have more confidence in you and their work if they know you’ll have their back when they need you.

“A mother’s work is never done.”

We’ve heard that quote many times, but when we break it down, we recognize just how true it really is.

A mother never clocks out. She works 24/7, constantly on call for whatever need might arise. She is devoted and strong, making choices for the benefit of her family. She is the backbone of love, comfort, and safety in the home. She tirelessly puts others before herself, all for the good of those she loves. Sacrifice is her middle name.

As we celebrate moms during this spring season, we reflect on just how hard of a job they have and how much they shape our homes, churches, communities, and world.

How to be a good mom

Whether you are in the trenches of motherhood, surrounded with little ones who demand your attention, or you are a seasoned mother who watches and admires her adult children building families of their own, you are vital and necessary. The endless prayers and unconditional support of a mother is something that is unmatched and should be honored.

However, in the busyness of this modern world, many mothers wonder: “How can I be a good mom?” At the same time, they’re neglecting to realize that the very act of worrying and contemplating that thought already shows how good of a mom they are! The Lord has given the strength and grace that mothers need to tend to their families and show them His ways.

Strong women don’t come in cookie-cutter molds. They are stay-at-home moms, working moms, homeschooling moms, professional moms, moms of toddlers, and grandmoms. The juggling act of figuring out how to do it all is a topic of discussion no matter what season of life you’re in.

Leaning into your calling and finding contentment right where God has you is the best way to feel fulfilled and purposeful. Leave behind the mom guilt. You were made for this. You were chosen to be their mother. You are capable with His strength to complete your tasks, accomplish your to-do lists, make your children feel loved, and do it all again tomorrow.

Balancing life and work

What does your balancing act look like? Are you placing the Lord at the forefront of it all?

Matthew 6:34 [NIV] says “Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own.” He will provide exactly what we need when we come to Jesus first and surrender ourselves for His glory.

Each and every task can be a holy work when it is done for Him. Paying your bills, cleaning your floors, or rocking the baby to sleep are all acts of worship in the eyes of God when we do them with a grateful heart.

As you walk out your calling, you likely will not look exactly like the neighbor next door or even much like your own mother. However, God has a plan for how you will impact others through your specific mothering journey, and that is something beautiful.

Mom guilt

Allowing a biblical community of believers to assist us in our daily juggle is essential. We are called to bear each other’s burdens and uplift and encourage one another [Galatians 6:2].

As mothers, we can feel isolated and alone—constantly bombarded with what we must get done and the weight of the severity of our work on our shoulders. Our pressing demands can cause us to forget the joy set before us.

How to deal with stress

Finding strong biblical community that supports and uplifts you can help equip you with the tools you need to rest and refocus. Consider looking for opportunities to get connected in your church or community. Partnering with a group of mothers creates an outlet where you can chat with like-minded women and get tips from those who’ve gone before you.

Additionally, if healthcare costs for your family are one of those things that weighs heavy on your heart, Christian Healthcare Ministries is a partner that can come alongside you and grant you peace of mind. Our ministry is a health cost sharing program that is supportive of your family’s specific needs—maternity and beyond. Plus, you’ll discover a biblical community with programs and practices that help to make your journey less isolating.

The Lord has given the strength and grace that mothers need to tend to their family and show them His ways.

Healthcare options for small businesses: a checklist

There are many healthcare options available for businesses of all sizes. Whether you’re wondering how to start a business, you have an established small business idea, or you’ve been leading a team for years, finding a healthcare choice that fits your core values can seem overwhelming. However, there are Christian healthcare choices, and doing a little research goes a long way.

As a leader, you want your employees to be healthy, happy, and successful. There are many aspects to opening a small business, and creating a budget that serves your needs is crucial. Offering cost-effective healthcare options can bless your team and equip you to act as a good steward of your financial resources. It’s also a smart way to attract and keep great employees.

However, not all healthcare options suit small business needs and budgets. Some limit choices and services. Others may care more about economies of scale rather than treating every individual as a beloved child of God. The checklist below can help in your search for strong options that don’t fall short of godly goals.

Small business ownership: Find wisdom in God

For physical training is of some value, but godliness has value for all things, holding promise for both the present life and the life to come.
[1 Timothy 4:8 (NIV)]

Our physical health matters to God, but spiritual health, godliness, and the life yet to come matter even more. Glorifying God in every decision requires a healthy dose of prayer, research, and discernment [Luke 14:28]. But don’t worry! Jesus promised an advocate – the Spirit of truth – to help the faithful [John 15:26].

The following three-step checklist can help. Once you narrow your options, it will guide your decisions. Chances are, you’ll find a responsible, cost-effective choice suited to your unique needs.

1. Core values: does it align with your vision for Christian leadership?

Your Christian faith influences every part of your life. It’s never “off the clock.” As an employer, providing healthcare that aligns with your core values makes sense personally and professionally. God has plans for you, and your role as a biblical leader is no exception. You’re in this time and place with a unique opportunity to consider faith-based options for healthcare. For example, when choosing a group healthcare option:

• Will your financial resources support medical testing or treatment that isn’t compatible with your Christian values?
• Are you confident your choice is offered by a reputable, independently accredited organization?
• Will your small business experience the mutual respect, support, and encouragement of a biblical community during times of illness or other setbacks?
• Will it support positive, healthy lifestyle choices throughout every season and stage of life?
• Are you joining forces with a faith-based, like-minded healthcare option that empowers you to pursue stewardship, versus pursuing an alliance that may be unequally yoked [2 Corinthians 6:14]?

2. Flexibility and service: does it align with healthcare laws?

Business owners must comply with healthcare regulations, including the Affordable Care Act (ACA). Does your choice meet the latest ACA mandates, participation requirements, and other important details? Other things to consider include:

• Do a minimum number of employees need to join before your organization can participate? Are there limitations, waiting periods, age, weight, location, or health history restrictions?
• Does your choice include a generous maternity solution?
• Is there flexibility in choosing providers or services?
• Will it limit which providers your employees can see, in addition to other restrictions? Will employees be priced out of seeing their favorite out-of-network providers?
• Does it have minimums or maximums for the monthly or yearly support you offer employees?
• Do you have employees who don’t qualify for or prefer not to take an ACA subsidy? Would they appreciate a money-saving, community-based healthcare alternative?

3. Budgeting: does it offer cost-effective healthcare options?

Affordability is a high priority! Small business administration can be a chore, and learning how to budget for healthcare is no exception. As an entrepreneur, you know that considering new business ideas can get expensive, so your healthcare needs to fit the bill without breaking the bank. Review costs and related considerations:

• Business administration costs can drain your organization’s limited resources. Will your healthcare options sustain your budget and support responsible stewardship of time, talents, and financial resources? Does it free you to focus on your God-given mission?
• Do the numbers add up? Many small businesses operate on a shoestring budget. Does your choice offer varying levels of service to meet employer and employee needs?
• Is there room to grow? Will it accommodate a small business budget while keeping the door open to step up to changing levels of healthcare services, options, and resources as your organization grows?

A checklist for healthcare guided by God

Healthcare business options vary, and there’s a lot to investigate before you decide! Details vary, too, from regulations in healthcare, to what you need for the size of your small business team, and beyond.

As you pray, weigh your options and trust God to guide your path. And remember—traditional insurance isn’t your only option. Christian Healthcare Ministries (CHM) has options for nonprofit and for-profit groups of all sizes. We’re ready to help you explore how you can pursue your God-given dreams and support your staff with excellence in healthcare. CHM is the nation’s first and longest-serving health cost-sharing ministry, and we’re designed to support faithful servant-leaders just like you.

Healthy eating. When you hear the phrase, what comes to mind?

Perhaps you think of images of less-than-favorable vegetables, small portion sizes, or the food pyramid you learned about in school. Or maybe you think about healthy snacks you enjoy, a favorite fitness class, or health articles about the latest nutritional trend.

The choices we make surrounding healthy eating matter to God. Fueling our bodies properly impacts how well we function and directly shapes our ability to serve in our communities, churches, families, and more. Crafting a healthy meal plan and building strong nutritional habits equips us with the tools we need to thrive.

Healthy eating: Making a meal plan

Quality of life is determined by many factors, including physical health, nutrition, and spiritual wellness. That’s why learning how to stay healthy by making good food choices is crucial.

Eating healthy on a budget is possible. Here’s a few tips as you look for healthy food choices and craft a strategy to stay on track:

• Start small: Identify a few areas where you can swap your current “go-to” choice for new healthy eating habits. It can be as simple as incorporating more whole grains, trying out a new fruit salad recipe, or downloading a hydration tracker to drink more water.
• Look local: Try out in-season fruits or vegetables that grow in your area. A farmer’s market is a great way to shape a healthy meal plan while supporting your neighbors.
• Plan ahead: When we’re rushed for time, the quickest option may not be the healthiest option. Create a schedule and grocery shop at the beginning of the week so you’ll have what you need on hand.
• Find the fun: Explore the cuisine of a different culture, go through the alphabet and pick a food to try that starts with a particular letter, or shop with a friend. Healthy eating doesn’t equal boring eating!

Bible verses about health

God cares about everything that impacts our lifestyle—including our eating habits and choices:

• “You shall serve the Lord your God, and He will bless your bread and your water…” [Exodus 23:25, ESV]
• “Do you not know that your bodies are temples of the Holy Spirit, who is in you, whom you have received from God? You are not your own; you were bought at a price. Therefore honor God with your bodies.” [1 Corinthians 6:19-20, NIV]
• “So whether you eat or drink or whatever you do, do it all for the glory of God” [1 Corinthians 10:31, NIV]
• “When you have eaten and are satisfied, praise the Lord your God for the good land He has given you.” [Deuteronomy 8:10, NIV]
• “But I will restore you to health and heal your wounds, declares the Lord.” [Jeremiah 30:17, NIV]

God wants to see us pursue the dreams and goals He’s placed in our hearts. He’s given us good blessings to enjoy. While we’ll make mistakes along the way, He’s gracious to point us down the right path as we walk the journey of healthy living. As we make healthy choices for our bodies and families, we give glory to His name.

It’s incredible how sleep affects the ins and outs of our lives. If you’ve ever been sleep-deprived before, you’ve likely experienced the side effects of not getting enough rest.

With less sleep than usual, suddenly everything feels harder: getting out of bed, remembering what day it is, driving safely, being friendly to your coworkers, handling the screaming baby, and whatever else the day entails.

If getting enough sleep has been difficult for you lately or you’re waking up without feeling refreshed, here are some tips to help you sleep better.

Why sleep is important

Sleep helps with more than simply “not feeling tired.” Individuals who get the recommended seven or more hours of sleep a day:

• Have stronger immune systems
• Experience less stress
• Reduce their chances of injury
• Have better heart health and weight management
• See boosted memory and increased attention spans

When you sleep, your body switches over to the parasympathetic system, and your heart rate and blood pressure drop. This allows your body—including your heart—to rest. During this time, your body also regulates your hormones, assists with your circadian rhythm (associated with weight management), and heals and restores your muscles and physical body.

Restless sleeping

If you’re struggling to get good, restful sleep at night, try these tips.

• Schedule your sleep. Know what time you need to get up in the morning and commit to going to bed at the scheduled time each night.
• Create a restful environment for sleeping. Don’t fill your bedroom with items that distract you, light up the room, or make it hard to sleep. Reduce technology usage and consider trying out calming music or playing peaceful sounds when you start to wind down.
• Don’t nap too much. When you nap for long periods of time it becomes harder to fall asleep in the evening. Instead, set a timer for a quick “power nap” session so you aren’t tempted to sleep longer. Stick to your schedule as much as possible so that your body can begin to readjust to your new rhythm.
• Do something active during the day. By being active, you get your body moving and burn out some of the excess energy that may be keeping you awake. Don’t exercise too close to bedtime, however, as this will increase your adrenaline and make it hard to sleep.

An additional tip that can assist your overall rest pattern is to make sure you aren’t dealing with stress as you’re trying to sleep. This could mean setting up a time of prayer or Bible study before going to bed, journaling about the day, planning ahead and putting together what you’ll need for work, or something else that helps you release stress.

Bible verses on sleep

If you’re dealing with stress that’s making it hard to sleep or you want to create a habit of meditation and restfulness, the first place to turn to is God’s word. Before you go to bed, meditate on these Bible verses on sleep and let God’s peace cover you.

• In peace I will both lie down and sleep; for you alone, O Lord, make me dwell in safety. [Psalm 4:8 ESV]
• I lay down and slept; I woke again, for the Lord sustained me. [Psalm 3:5 ESV]
• Peace I leave with you; my peace I give to you. Not as the world gives do I give to you. Let not your hearts be troubled, neither let them be afraid. [John 14:27 ESV]
• Come to me, all who labor and are heavy laden, and I will give you rest. [Matthew 11:28 ESV]
• He will not let your foot be moved; he who keeps you will not slumber. Behold, he who keeps Israel will neither slumber nor sleep. [Psalm 121:3-4 ESV]

When comparing a healthshare vs insurance, there’s several major differences. Most notable is the cost difference, the faith aspect, and the provider network.

Reduce the cost of healthcare

Thank you for your interest in reading Heartfelt Magazine.

This monthly publication is exclusively available to you as a member of our biblical community. Click below to find ministry updates, testimonials, member advice, and more in the latest e-magazine.

Refer. Reward. Repeat.

Our Refer-a-Friend program makes sharing and saving simple. You’ll earn credits toward your monthly contribution or Personal Responsibility—just by sharing CHM with your friends.

How it works

Referral rewards for you, plus a welcome credit for your friend? That’s right: it’s as easy as “refer, reward, repeat.”

1. Refer. Tell your friends about CHM. Simply share your phone number with your friends and they’ll enter it when they enroll. It’s that easy.
2. Reward. See speedy savings with a $200 credit directly applied to your membership as soon as your friend’s membership is active. Plus, your friend gets a welcome credit of 50 percent off one monthly contribution.
3. Repeat. Keep earning credits for each friend who becomes a member through your referral!

More Refer-a-Friend resources

Friendship is all about relationships and bringing people closer to Christ by bearing one another’s burdens—one friend at a time!

CHM has two options for the sharing of pre-existing conditions: scheduled sharing and CHM Give (formerly known as Prayer Page). Here’s what you need to know about CHM and medical bill sharing for pre-existing conditions:

How CHM defines a pre-existing condition

A pre-existing condition is any medical condition for which you experience signs, symptoms, testing, or treatment before joining CHM, regardless of whether you’ve received a diagnosis (routine and/or maintenance medications are considered treatment).

For example, if you have a stent that was inserted for a heart condition before joining CHM, the stent is considered treatment and your heart condition
is pre-existing.

A condition is no longer considered pre-existing if

• you have experienced one year without signs, symptoms, or treatment;
• you’re not on a maintenance medication regimen for that condition; and
• it’s documented by your official medical records.

In contrast, cancer is no longer pre-existing if, after your doctor has pronounced you cancer-free or cured, you have gone five years without any signs, symptoms, testing, or treatment (other than routine follow-up appointments).

Active vs. maintained

We distinguish between two types of pre-existing conditions: active and maintained.

A condition is considered active—and medical bills are ineligible for sharing—if you have experienced any signs or symptoms either before or at the time of joining CHM (regardless of whether or not you’ve received a diagnosis) and/or your condition actively needs treatment other than with maintenance (routine) medications.

If there is any question about whether you’re in an active incident, CHM will request your official medical records.

Your pre-existing illness is considered maintained if

• you have gone at least 90 days without testing or treatment;
• your medical provider states that no further testing or treatment is needed; and
• your medical records show that you are cured or on a maintenance treatment regimen.

Medical expenses for conditions meeting these criteria may be considered for sharing according to CHM Guidelines as described below.

Scheduled sharing

CHM Gold members can receive assistance with medical bills for maintained pre-existing conditions according to the following schedule:

• In the first year of membership, bills incurred for a pre-existing condition are eligible for sharing up to $15,000.
• In the first two years of membership, bills incurred for a pre-existing condition are eligible for sharing up to $25,000 ($15,000 during the first year plus $10,000 during the second year).
• In the first three years of membership, bills incurred for a pre-existing condition are eligible for sharing up to $50,000 ($15,000 during the first year plus $10,000 during the second year plus $25,000 during the third year).
• 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 CHM Gold members will be considered for sharing on CHM Give.

CHM Give

CHM Give—which is published in CHM’s monthly Heartfelt Magazine—enables sharing for CHM Silver or CHM Bronze members with eligible maintained pre-existing conditions. Also, if you are a CHM Gold member with a maintained pre-existing condition and your medical bills exceed the scheduled sharing limits, the excess amount may be eligible to appear on CHM Give. Members on CHM Give provide CHM with permission to include their names, addresses, a summary of their condition, and current donation amounts.

All CHM members are invited and encouraged to give to medical bills listed on CHM Give (above regular monthly contributions) as they feel led. CHM Give donations sent to the CHM office qualify as tax-deductible charitable giving. One hundred percent of this extra giving goes to share CHM Give bills. Members listed on CHM Give receive donations each month proportionate to their total of eligible medical expenses until their bills are shared in full, so long as they remain CHM members.

This portion of our ministry is an amazing testimony to the power of the Holy Spirit to change people’s hearts.

Frequently asked questions

Why are some bills eligible for sharing through CHM’s pre-existing condition programs and others are not?

Any medical bills considered for the ministry’s pre-existing condition options must follow all other Guidelines for sharing eligibility. Also important is the distinction between active and maintained pre-existing conditions.

A condition is considered active and medical bills cannot be shared if, at the time you join CHM, you have experienced any signs or symptoms either before or after joining CHM (regardless of whether or not you’ve received a diagnosis), and your conditions actively need treatment (other than with maintenance [routine] medications).

If you have gone at least 90 days without testing or treatment and your doctor states you are cured, or on a maintenance treatment regimen, medical bills for any new incident (flare-up) related to the pre-existing illness are eligible for scheduled sharing (CHM Gold members) or CHM Give (CHM Gold, CHM Silver, or CHM Bronze members).

Here’s an example of the difference between an active and maintained pre-existing condition: Suppose that Joe X, a CHM Gold member, had a heart attack in October and joined CHM two months later (December). During that time he had surgery and a few follow-up appointments with his cardiologist, one of which took place after Joe joined the ministry.

According to CHM’s definition of a medical incident, Joe is in the middle of an active pre-existing incident because he hasn’t been declared cured, put on maintenance medication, or gone 90 days without treatment of his condition.

In February, Joe had an appointment with his cardiologist, at which time his doctor said he didn’t need to be seen again for six months. Joe’s treatment plan specified that aspirin is the only medication he needs to take regularly. However, Joe suffered a second heart attack in June. Medical bills related to the second attack are eligible for sharing through CHM’s options for pre-existing condition because it’s a new medical incident—he has taken only routine medication, and it has been over 90 days since he last received treatment (doctor’s office visit in February).

What if I didn’t go to the doctor until after joining CHM or switching to a different program?

If you had any signs or symptoms before you joined the ministry—even if you haven’t had testing or treatment—your condition is considered pre-existing and will be evaluated according to whether it’s active or maintained (see the previous question for an explanation). Please note that CHM cannot share any bills incurred prior to joining the ministry.

If you change to a lower program, eligible medical bills for your maintained pre-existing conditions will be shared at the lower program, regardless of when your medical bills were submitted or incurred.

If you change to a higher program, medical bills for any current conditions will be shared at the lower program for the lifetime of your membership. Exception: If you’re switching to CHM Gold, a current condition eventually may be considered for sharing at CHM Gold once you are pronounced cured and one year free of signs, symptoms, and treatment (including medications). This applies regardless of whether medical bills have been previously submitted for sharing. Medical records may be requested.

New illnesses with signs, symptoms, testing, and treatment beginning after the higher program start date will be considered for sharing at the higher program.

Which programs allow my maintained pre-existing conditions to be eligible for sharing?

If you’re a CHM Silver or CHM Bronze member, your eligible medical bills for your maintained pre-existing conditions will be shared through CHM Give (see below). CHM Gold members can be shared through the sharing schedule or via CHM Give if they exceed sharing schedule limits. Please see above for information about CHM Give and sharing schedule.

Is a pregnancy ever considered pre-existing?

If a member joins CHM while she is pregnant, bills for that pregnancy cannot be shared through any of the CHM sharing programs, including the sharing schedule or CHM Give. Members must have a due date for delivery at least 300 days after joining CHM Gold for maternity bills to be eligible for sharing. Additionally, any complications for an ineligible pregnancy cannot be shared through CHM.

Christian Healthcare Ministries assists members with prescription costs as follows:

Incident-related prescription costs (up to the first 90 days of treatment) are eligible for sharing for all CHM programs. Prescriptions used for maintenance treatment cannot be shared by CHM members. For more information about prescription sharing, please view the CHM Guidelines.

With tools like the ones we’ve provided here, you can find the cheapest prescription costs in your area and lock in those low prices with coupons, membership cards, and more. The best part? It’s all free and easy to use.

Save even more with these tips:

• Ask your doctor for the generic brand of your prescription.
• Search for your prescriptions before you even leave your house to find the cheapest prices and best locations.
• Use more than one of the tools listed below.
• Give the pharmacist multiple savings cards to see which one gets the best price.
• Send the free coupons to your phone to lock in low prices.

With these tips and resources, you can find the best savings on your prescription costs. It’s easier than ever!

CHM Give is one of CHM’s initiatives to share medical bills for maintained pre-existing conditions. Through voluntary donations, the eligible medical needs of members are shared. It’s an amazing testimony to the power of the Holy Spirit and the generosity and love of our members. CHM Give is also published in CHM’s monthly Heartfelt Magazine.

How does it work?

CHM Gold members with maintained pre-existing conditions whose medical bills exceed the Gold Schedule limits–or CHM Silver and CHM Bronze members with bills from maintained pre-existing conditions–may be eligible to appear on CHM Give. Members provide CHM with permission to include their names, addresses, summary of their condition, and current donation amounts.

All CHM members are then invited and encouraged to donate to CHM Give needs (above regular monthly contributions) as they feel led. These donations fund CHM Give and share the medical bills for maintained pre-existing conditions.

Tangibly serve others as the hands and feet of Christ

CHM Give is a great way to provide blessings to fellow members who have found themselves in medical situations and, quite often, in financial and spiritual stress. Sending notes of encouragement can uplift their spirits and remind them that they are not alone. Additionally, praying for fellow members makes an intangible impact on the lives of those in need.

Here are three reasons why you should consider giving to and supporting CHM Give members:

• 100% of extra giving goes toward members’ medical bills.
• Donations to CHM Give are tax-deductible.
• Many members listed on CHM Give often explain how encouraged they were by receiving cards, letters, and emails.

How do I give?

There are several ways that you can support your fellow Christians through CHM Give:

• Pray as you go through the list of members with eligible maintained pre-existing conditions. We believe in the power of prayer to change hearts and lives. 
• Donate through the Member Portal. You can easily set up recurring donations or make one-time donation through the your Member Portal account. 
• Donate through our streamlined CHM Give webpage. This is also a great option if you don’t have a Member Portal account!
• Send cards, letters, emails, or notes of encouragement to members as you feel led by the Holy Spirit. You never know who you might impact through your act of service and kindness.
  

Together, we can show the love of Christ to those in need.

We’re always looking for ways to better serve our members and fulfill our mission of glorifying God through sharing each other’s medical bills.

Please note that this isn’t a way to contact us or get a direct response. For that, please call our offices at 800-791-6225, email info@chministries.org, or message us on social media. Instead, this is an opportunity for you to submit your feedback on how we can serve you better!

The original health cost sharing ministry

As the nation’s first and longest-serving health cost sharing ministry, CHM provides a cost-effective, accountable, and faith-based framework—health cost sharing—to help fellow believers facing a health crisis. The ministry shares 100 percent of eligible medical bills and overall has satisfied over $10 billion in members’ healthcare costs.

CHM’s concept originated 2,000 years ago with the early church who “held all things in common” and followed the Apostles as they prioritized meeting the needs of the poor, the oppressed, and their Christian family. Members are an extension of that testimony as CHM is first and foremost a ministry, reflecting the spiritual values outlined in Galatians 6:2 and Acts 2 and 4.

The ministry, under the leadership of President and CEO J. Craig Brown II, is headquartered in Barberton, Ohio. We’re a nonprofit (501(c)(3)), Demotech accredited, and Better Business Bureau accredited Charity.

If you have been injured in an accident, we are sorry to hear of your difficulties. Please know that all of the staff here at Christian Healthcare Ministries are praying for your recovery.

If you incurred medical bills from an accident, here’s what you should do next:

1. Make sure the responsible party’s insurance company is aware that CHM is a secondary source, and their resources must be exhausted first.
2. Please complete the below forms (and submit any medical bills) on your Member Portal:
   • Sharing Request Packet
   • Accident Verification Form
   • Reimbursement Agreement
3. Visit our step-by-step guide for submitting medical bills for further detailed instructions.

Please note: If you are involved in an accident involving licensed motorized vehicles, bills resulting from the members’ injuries are eligible for sharing—up to $125,000 per diagnosis—after all other sources of funding are exhausted (or more if you participate in CHM Plus).

If members are riding in a non-member’s vehicle, the amount available in the non-member’s insurance policies must be exhausted before CHM can share medical bills for the members. If the members or non-member driver are not at fault, the amount available in the offending party’s insurance policies must be exhausted first.

CHM does not set a minimum requirement for members regarding their auto insurance medical coverage. CHM encourages members to set the highest possible limit on the medical assistance available through their auto insurance policy in order to steward members’ funds wisely and keep monthly financial contributions low.

For more information on motor vehicle accidents please see section V.D. of the CHM Guidelines.

Infertility is a whole lot of nothing. An awful, painful nothing.

That it is nothing is not what makes it awful but that it exists in place of the most significant something we can ever hope for: a newborn child. Just when we are ready and inspired to begin, we face, almost immediately, the exact opposite of our hopes: nothing.

But as painful as this “nothing” is, it is still a beginning, for indeed God created everything out of nothing. It’s just not quite the beginning we had expected for ourselves. So, hope is not lost, because infertility precedes fertility.

While you wait, use the time wisely and in prayer. If you don’t know how to pray about this, don’t worry—there are plenty of prayers for infertility all over the internet.

So that you can begin praying to conceive, we’ve written a few for you here. Use these prayers for pregnancy however you like. Recite them as they are or let the words inspire your own prayers for fertility. But whatever you do, make them your prayers, offering them up to God as a sweet aroma.

Prayers for infertility while patiently waiting

Father in Heaven, I, your daughter, am grieved by a most unwelcome interruption. I stand, stalled, before a depressing reality. The height, breadth, and depth of its wall I cannot scale, bypass, or tear down.

I am stuck, waiting to love my child, and I don’t know what to do. Where tears of joy should be, tears of sadness now sit and fall.

Remember me, Abba, in compassion and lovingkindness. Pick me up, as you have so many times before, and wait with me. Remind me, Lord, of your love for me, and that everything will be all right. Grant that I would not grow weary or weak during this season and that it would pass swiftly. Close my ears to the enemy’s lies, and continue to encourage me in Your truth.

Open my soul to hope and confidence, and continue my journey toward motherhood. Until then, my Lord and my God, I will wait on you. Amen.

A prayer to conceive life

O Great Father, You are the source of all life, for You are life itself. Your heart is ever fixed on giving life and giving it abundantly. You conceive it. You deliver it. And you keep it safe in your embrace.

You teach me continually what it means to be a source of life, what it means to give life to others, without expecting anything in return. My heart now longs for its ultimate physical expression: a child.

Be gracious to me, Father, and listen to me, your daughter, for I have no life apart from You, and no purpose but to be Your servant. Open Your hand, and satisfy the desire of all those who wish to bring forth life.

Allow me to conceive, deliver and embrace a child, just as You have conceived, delivered, and embraced me. In loving and knowing my child I will come to know you better, and I will love You all the more for it. Amen.

A prayer for fulfilling potential

O Lord, God, Creator of all, You are the beginning and the ending. You infused all of creation with possibility and divine potential. Grant me now, merciful Father, the opportunity to fulfill mine.

In the midst of speaking all things into existence you spoke directly to Your creation, addressing it with the first command of scripture, that follows, in kind, Your creativity: “Be fruitful and multiply.”

You didn’t have to make me, but You did. I am grateful. You didn’t have to make me a woman, but You did. I am grateful. And by making me a woman You have set me down the path to motherhood. I am grateful.

Grant me Your favor and blessing, and hear my plea, Father. Allow my husband and I to fulfill the potential of our union, the opportunity to obey the first command of Your Word: “be fruitful and multiply.”

Bring for us daughters and sons who will, in turn, be fruitful and multiply. And humble us by inviting us into the ongoing work of Creation. May I be worthy of the role of motherhood You have set before me. Amen.

“Rejoice always, pray without ceasing, give thanks in all circumstances; for this is the will of God in Christ Jesus for you.”

[1 Thessalonians 5:16-18]

God is doing beautiful work within you, and your unborn child is a gift. Psalm 127:3 (NLT) says, “Children are a gift from the LORD; they are a reward from him.”

Motherhood can be intimidating, and it’s normal to be anxious about the future of your unborn child. It’s important to connect with God and bring our praises, worries, and requests to Him.

We asked some CHM moms to share their prayers for expectant mothers, strength, peace, and protection. Here are their prayers.

Prayers for peace

Lauren and Stanley

“God, I thank You for the tiny little blessing that is my child. From the very beginning, You have walked beside me, guiding every step. I ask that You equip and teach me to be the mother you designed me to be. When my heart is troubled, anxious, or scared, I pray that Your Holy Spirit guides me to Your peace. Through the valleys and the mountains, remind me that You are near. I pray that You protect this child with Your mighty hands and that they know they are loved by You. Lord, I give this child to you. I trust Your will for their life.”

Lauren Hunter

Prayers for wisdom

Katlyn with Michaela

“Heavenly Father, I praise Your name for the depth of Your wisdom. What a joyful life for the one who understands Your ways and follows Your steps. When I think about the workings of all Your creation, what awe fills my heart!

In Your wisdom, You created a world of order and of beauty. As this little one grows each day, will You instill in their spirit a passion for learning who You are and the wisdom You display throughout Scripture? Will You stir in their hearts a ravenous hunger for Your Word, Your truth, and Your love? Help me to see the fun and creative ways of increasing their knowledge of You. Thank you for the privilege You’ve given me of being this child’s parent.

I’m grateful for this gift, and I pray that each day we have together, we grow in our love for You. Amen.”

Katlyn Stryker

“Lord, each day You lovingly and faithfully craft and form this child in my womb, and You do so with purpose. Each soul has a purpose in life, and I pray that You use this child to grow my relationship with You. As we walk this journey together—You and I as Creator and creation—will You prepare my heart to be a parent worthy of the honor of knowing and raising my child? Will You help me show this little one the fullness of Your love and kindness? God, I lay in Your hands this gift You’ve given me, and I ask that You work in me today and every day forward, even as You’re working in the life of my baby, so that we may know You in a deeper way. Amen.”

Katlyn Stryker

Prayers for protection

“Lord, protect my baby. May our child be born healthy, without complication, and in your timing. Help me to be a good mother and to know how to care for them. Protect their mind, heart, body, and soul. I pray that they would grow to know you, Jesus, and that they would grow into a person of wisdom and integrity. Thank you for the privilege of being this child’s mama. Help my husband and I to be the best parents that we can be. May our child always know that they are loved.”

Haley Hoffman

“Dear Lord, thank you for the life you’ve knitted together within me. We praise You for entrusting this soul to us. Give us the grace to be good parents and help us to raise this child in a way that brings glory to Your name. We humbly ask You to be a shield of protection around this baby during the remainder of the pregnancy, during labor, and throughout his or her earthly journey. Protect our family from any sickness or harm and cast out every fear that threatens to steal our joy. In Jesus’ name we pray, Amen.”

Lisa Maruna

Prayers for strength

“God, thank you for the gift of life. Thank you that You give life and give it abundantly. I know that Your love in a person’s life is what gives life true meaning and joy. Help me be a vessel in sharing that love with my baby. Help me to foster a home and environment where they understand the depth and the height of Your presence in their life. Will You help my walk with You strengthen their faith and prompt a resolve in their hearts to follow You? May they experience daily an abundant life with You. Amen.”

Katlyn Stryker

As a woman of God, you can look to the godly women of Scripture for inspiration. They shared human weaknesses and virtues while persevering in faith. Their stories are as old as Eve and as unique as Ruth, Sarah, Esther, and other women of the Old Testament.

The New Testament offers insights from women who were part of Christ’s life. The stories of Elizabeth, Anna, Mary Magdalene, Mary of Nazareth, and others don’t fit predictable molds.

They were single, married, or widowed. Some were poor, forgotten, or banished. Others were wealthy and powerful. Some lived a virtuous life, while others had lost their way. Most stepped up and answered Christ’s call to a more selfless, God-centered life.

“Martha, Martha!” Christ’s lesson on listening.

Many women sympathize with Martha. She opened her door to Jesus and His disciples. She whipped up a meal and waited on her guests. Mary sat at our Lord’s feet and listened to every word.

The disciples may have talked about travels, fishing, or the weather as they enjoyed Martha’s meal. More likely, however, Christ’s authority and the power of His words commanded their attention. This was often the case whether Christ was at home, in the Temple, in a boat, at a wedding, or on a hillside. He still speaks to us through prayer, Scripture, and the Spirit. When Christ speaks, listening is always the first priority.

What does it mean to be a godly woman?

Good qualities in a woman stem from the greatest commandment, which is love [Matthew 22:36-40]. God-fearing women of faith in the Bible remind us that a godly woman is:

1. Prayerful

“They all joined together constantly in prayer, along with the women and Mary the mother of Jesus, and with His brothers.” [Acts 1:14]

Prayer puts God where He belongs in your life: first. It’s the foundation for a close, strong, and eternal relationship. It keeps thoughts, desires, and actions rooted in God’s will. If you trust Him, He’ll guide you in ways exclusive to your calling in life.

2. Virtuous

“But the fruit of the Spirit is love, joy, peace, forbearance, kindness, goodness, faithfulness, gentleness and self-control.” [Galatians 5:22-2]

When you walk in the Spirit, God directs your steps. The Spirit helps you to strengthen virtues and tame vices. God’s word reminds you to witness and share Christ’s love. Your family, friends, neighbors, and strangers need that. It might be an uplifting word, a helping hand, slowness to judge, or refusal to gossip. Small acts that were done in love matter.

3. Industrious

“She opens her mouth with wisdom, and the teaching of kindness is on her tongue. She looks well to the ways of her household and does not eat the bread of idleness.” [Proverbs 31:26-27]

Today, idleness can look like binge-watching dramas, following “Reality” TV, bragging on social media, or texting while ignoring people in front of you.

You may scan social media news feeds or click on viral memes, celebrity updates, and virtue-signaling podcasts. You might envy old friends who have more fans, friends, or superficially “perfect” lives than you.

With so many stars, bells, and whistles, you might overlook real relationships, responsibilities, and constructive actions. Rationing digital connectivity can help you tend to more important and fruitful priorities.

4. Service-oriented

“Whoever serves Me must follow Me; and where I am, my servant also will be. My Father will honor the one who serves me.” [John 12:26]

Christ commanded us to love and serve one another as He modeled for us [John 13:34]. You can serve God by caring for the people in your life. That includes giving to your church and supporting faith-based community outreach. You can pray and fast. However you serve—from daily duties to volunteer time, talent, and resources—you’re serving Christ within “the least of these” [Matthew 25:35-45].

5. Loving

“If I speak in the tongues of men or of angels, but do not have love, I am only a resounding gong or a clanging cymbal.” [1 Corinthians 13:1]

Orchestras use gongs or cymbals for dramatic emphasis or a grand finale. But our human ears and sensibilities can only tolerate so much drama and noise. Love doesn’t command, “Look at me!” but says, “I’m looking at – and caring about – you.” Paul’s first letter to the Corinthians offers a better way. Godly women model a type of love that:

• Is patient and kind
• Does not envy or boast
• Is not arrogant or rude
• Does not insist on its own way
• Is not irritable or resentful

Becoming a virtuous, godly woman is a lifelong effort made possible by the grace of God and the power of a Christ-centered life.

Ideas that may increase fertility naturally

You’ve tried to get pregnant and prayed for a baby for months or even longer. But despite big dreams of a little one, the answer is still, “Not yet.”

If you find it hard to get pregnant, you’re not alone. According to the National Institutes of Health, about 11% of women have fertility problems during their reproductive years. In addition to preparing your body for conception, healthy steps can help you get pregnant naturally.

Some women try natural remedies such as liver cleanses, detox formulas, or organic progesterone creams to get pregnant faster. However, the research is inconclusive. Ask your doctor before trying new remedies or making health and lifestyle changes. You’ll get customized, safe options to help you get pregnant faster.

God’s perfect timing

“In the morning, Lord, you hear my voice; in the morning I lay my requests before you and wait expectantly.”
[Psalm 5:3, NIV]

Waiting and hoping to get pregnant can be humbling and even heartbreaking. But Christ reminds us to model a child’s faith, trust and humility (Mathew 18:2-4). God loves you even more than you’ll love any children He may bring into your life. If you’re worried about getting pregnant, keep praying and trust the Lord with childlike faith. Then rest assured that He will direct your paths. (Proverbs 3:5-6)

Bright eyes and rosy cheeks aren’t just for babies

Good health translates to good fertility. Simple measures – from choosing prenatal vitamins to positive lifestyle changes – can help increase fertility naturally. By staying healthy and well-nourished, you’ll create a nurturing space for conception.

Fertility is complex and highly individual. Your doctor will evaluate your personal health and medical history before discussing fertility-enhancing options.

Vitamins and nutrients to support fertility

Vitamins, minerals and nutrients support egg and sperm quality as well as ovulation, menstruation, thyroid and hormonal functions.

According to the American Congress of Obstetricians and Gynecologists, a well-rounded, whole-food diet is the best source of essential proteins, carbs, vitamins, minerals and fat. A prenatal multivitamin or supplements to correct imbalances can be helpful.

Folic acid

Experts recommend 400 micrograms of folic acid daily for women who may become pregnant to help:

• Manage blood flow and blood pressure
• Enhance fertility
• Support pregnancy
• Prevent brain and spinal birth defects

Iron

Specialists at the Academy of Nutrition and Dietetics report that iron from food or supplements may lower the risk of ovulatory infertility. According to the American Pregnancy Association, liver isn’t recommended for moms-to-be. If you’re low in iron, eat these iron-rich foods.

The sunshine vitamin might brighten pregnancy prospects

Although some studies suggest a link between vitamin D deficiency and infertility, findings are inconclusive. However, vitamin D3–the natural type produced in your skin–supports overall health, hormone and gene-regulation, and fertility.

Ask your doctor for a full vitamin D panel. Avoid unguided supplementation, which can cause imbalances and toxicity. Vitamin D works with vitamins A and K, potassium, magnesium and other elements. Imbalances can lead to calcium deposits and other problems.

Your skin makes vitamin D naturally from UVB rays. However, if your skin is dark, it’s harder for your body to make vitamin D from sunshine. Dietary sources include fish, egg yolks, nuts, seeds and fortified milk and cheese.

Fishing for fertility-boosting omega-3’s

Omega-3 fatty acids in fish and other foods have multiple health benefits. These include taming inflammation – a potential cause of infertility. Omega-3’s contribute to egg quality and may lower the likelihood of endometriosis – a reproductive disorder.

Fish provide protein, iron and zinc for healthy prenatal development. Omega-3 fatty acids also support a baby’s brain development. Avoid larger fish, such as shark, tuna and swordfish, which contain more mercury – a reproductive toxin that also affects prenatal brain and nervous system development.

The FDA recommends that women trying to conceive eat smaller, well-cooked fish and other omega-3 sources weekly. This protects heart health and supports fetal development. Good choices include:

• Fortified yogurt, milk and eggs
• Salmon, tilapia, cod and catfish
• Shrimp, herring and anchovies
• Walnuts, flaxseed and sunflower seeds

Avoid trans fats and other unhealthy choices

Harvard researchers found that women with ovulation-related infertility tended to eat more trans fats, which are linked to heart disease and other health issues. Avoid partially or fully hydrogenated oils common in vegetable oils, non-dairy creamers and many convenience foods. Choose healthy fats such as avocado, olive and coconut oil.

Healthy choices are important when trying to get pregnant. Women who smoke are 60% less likely to conceive than nonsmokers. Data about caffeine or alcohol aren’t conclusive, but experts generally recommend avoiding alcohol, even in moderation, when trying to conceive. Moderate alcohol can also decrease sperm counts.

Data on coffee drinking is also inconclusive. The American Society of Reproductive Medicine considers a cup or two of coffee a day permissible while others say it’s best to limit or avoid caffeine.

Newborn baby care

“You will keep in perfect peace him whose mind is steadfast, because he trusts in you.” 
[Isaiah 26:3 (NIV)]

“I found that having a newborn baby involved a lot of sitting. Sitting and holding, sitting and nursing, sitting and playing, etc. It’s very easy to nurse your baby with one hand and scroll mindlessly on your phone with the other. I realized early on that I didn’t want my baby to look up at me and notice that my attention was elsewhere. In those early days, try not to miss a single opportunity to look into their eyes and bond with them. As you sit with them, intentionally choose to talk to them, pray over them, or read aloud to them. For me, it was about recognizing my priorities and acting with intention. Choosing to engage with my baby rather than my phone was a small but invaluable investment.”

“You need a pile of snacks and hydrating liquids near your nursing and/or feeding station. For some, spiritual strength–and logical thinking–can deplete quickly when the body isn’t also fed physically. Women are supposed to eat and drink twice as much while breastfeeding, so taking care of yourself physically is important for cognitive and emotional functioning.”

“Remember: God designed you to be a mother. No matter what, He has set every moment in place. Trust your instincts. You will know what is best for you and your baby’s health. There is no “right” or “wrong” way to be a mother. You are unique by God’s hand. Don’t feel burdened by needing to ask for help. If you are overwhelmed with daily tasks, recovery after birth, or even need some personal time alone, let those around you help. You aren’t any less of a mother by doing so.”

Fruit of the spirit: Faithfulness

If you’ve spent any significant time in Scripture, you’ve almost certainly encountered the word “faith” (or pistis in Hebrew). As mentioned several hundred times, both our faith in Jesus and God’s faithfulness toward us are vital to our relationship and understanding of God.

What does the Bible say about faithfulness? As one of the fruits of the Spirit, the fruit of faithfulness requires firmness in conviction and the keeping of promises. As Hebrews 11:1 [ESV] explains that faith is “the assurance of things hoped for, the conviction of things not seen.” But to understand how the Holy Spirit works faithfulness in us, we must understand how God Himself is faithful.

The covenants

From the very beginning of His Word, we see God’s promises in the Bible coming to fruition. Joshua 21:45 [NIV] states, “Not one of all the LORD’s good promises to Israel failed; every one was fulfilled.” Similarly, 1 Thessalonians 5:24 [ESV] says, “He who calls you is faithful; He will surely do it.”

The covenants of God are one of the ways He shows Himself faithful. The major biblical covenants of God are the Abrahamic, Davidic, and New Covenants—the three that promise the coming of Jesus—and the Noahic and Mosaic Covenants.

In the Abrahamic Covenant, God promises Abraham and his descendants land, children, and blessings. God showed His faithfulness by blessing his barren, 90-year-old wife, Sarah, with a son and preserving that son and his future descendants.

He fulfilled the rest of His covenant in bringing Abraham to the Promised Land and bringing redemption through Jesus. Abraham also showed his faithfulness by trusting God’s promises—even nearly sacrificing his promised son, Isaac, on the altar. God honored his faithfulness and provided an alternative option.

In the Davidic Covenant, God promises to bless David’s line with the Messiah. This promise was fulfilled with the coming of Jesus, a direct descendant of David.

In the New Covenant, God promised to free His people from the Law by Jesus’ death and resurrection. This covenant would bring God’s forgiveness of sin, renewed hearts, and access to God through prayer. The fulfillment of this covenant was also the fulfillment of the Davidic and Abrahamic Covenants.

In the Mosaic Covenant, God establishes His Law with the people of Israel after He led them out from under the slavery of the Egyptian pharaohs. This covenant promised blessings if the Israelites were obedient and curses if they were disobedient. Throughout the Old Testament, you can see how God keeps this promise through the various struggles Israel encounters whenever they stray.

In the Noahic Covenant, God renews creation and promises never to destroy Earth again with a worldwide flood. This promise came in the form of a rainbow, the symbol of God’s covenant.

God provides

There’s no greater testament to God’s provision than sacrificing His own Son for our sins so we can have everlasting life. But beyond that, God is faithful in providing for us in the day-to-day. God may not always provide in the way we anticipate, but He provides nonetheless.

In Matthew, there are several references in Scripture on faithfulness as Jesus explains how our heavenly Father cares for us:

• Matthew 6:26 [NIV] says, “Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they?”
• And Matthew 7:9-11 [ESV] says, “Which one of you, if his son asks him for bread, will give him a stone? Or if he asks for a fish, will give him a serpent? If you then, who are evil, know how to give good gifts to your children, how much more will your Father who is in heaven give good things to those who ask Him!”

These verses display the abundance of love God has for us. We can step forward with confidence knowing that God was, is, and always will be faithful to us in His provision. 

God is perfect

We know we can trust a God who is perfect and upright. How can a God who is perfect break His promises? The simple answer—He can’t. Deuteronomy 32:4 [NLT] says, “He is the Rock; His deeds are perfect. Everything He does is just and fair. He is a faithful God who does no wrong; how just and upright He is!”

God’s flawless nature translated to Jesus and how He lived His life. Hebrews 4:15-16 [NIV] says, “For we do not have a high priest who is unable to empathize with our weaknesses, but we have one who has been tempted in every way, just as we are—yet He did not sin. Let us then approach God’s throne of grace with confidence so that we may receive mercy and find grace to help us in our time of need.”

If Jesus wasn’t without sin, His sacrifice would’ve been for nothing. But because Jesus, fully God and fully man, came down to Earth as a sacrifice, we have a perfect God capable of understanding our earthly struggles and who shows His faithfulness by sympathizing with our weaknesses.

God forgives

God’s faithfulness is never clearer than in the forgiveness of our sins. 1 John 1:9 [ESV] states, “If we confess our sins, He is faithful and just to forgive us our sins and to cleanse us from all unrighteousness.”

We can be certain that Jesus offers full forgiveness of sin through repentance because “He who promised is faithful” [Hebrews 10:23, NIV]. God keeps His promises, and He promises the assurance of forgiveness.

Even in our struggles with sin, God is faithful in giving us a way out. 1 Corinthians 10:13 [NIV] says, “God is faithful; He will not let you be tempted beyond what you can bear. But when you are tempted, He will also provide a way out so that you can endure it.”

Well done good and faithful servant

In Matthew 25, Jesus explains the parable of the talents. The master in the story gives all of his servants a certain amount of money and asks them to steward it while he’s gone. When he returns, the servants who faithfully step up to their duties and don’t shrink away are rewarded. At the end of our lives, we too want to stand before Jesus and hear Him say, “Well done, good and faithful servant” [Matthew 25:21, ESV].

1 Samuel 12:24 [ESV] simply and beautifully explains how to be faithful to God: “Only fear the Lord and serve Him faithfully with all your heart. For consider what great things He has done for you.”

Faithfulness of God

In a world plagued by heartache, struggles, contention, and uncertainty, we know we can find certainty in a perfect God who keeps His promises, provides, and forgives our sins. Just think of the promises that are yet to come! 1 Corinthians 2:9 states, “No eye has seen, nor ear heard, nor the heart of man imagined, what God has prepared for those who love Him.”

So as we faithfully step forward in a broken world, let us stand firm in confidence and look to God’s nature and His promises. For as Romans 8:18 puts it, “I consider that the sufferings of this present time are not worth comparing with the glory that is to be revealed to us.”

God’s heart is to restore us to wholeness. When we need healing for our bodies, minds, or spirits, God’s Word provides answers for our afflictions. Scriptures on healing give us a new perspective of hope and comfort. Rest and read God’s Word, knowing that it will speak into your situation today. Let’s look at Isaiah 9:6.

As we step into the Christmas season, we reflect on and celebrate the birth of Jesus. While it’s easy to get swept away in the beautiful lights, glittering snow, smell of fresh-baked goods, and gift-giving, we mustn’t lose sight of the celebration’s purpose.

Jesus’ birth changed everything. He lived a perfect life, took on our sin, died in our place, rose back to life, freeing us from the curse of the law.

Isaiah 9:6 is a prophecy, talking about the coming of Jesus. In this verse, Jesus is referred to as a wonderful counselor, the mighty God, the everlasting Father, and the Prince of Peace.

Wonderful Counselor

Because of Jesus’ sacrifice on the cross, we can now go before God with our praises, our sorrows, and our requests. Before Jesus, we didn’t have that sort of direct access to God. And God doesn’t just hear our prayers—He responds. He responds through His Word, through His Spirit, and through answered prayers.

God is the best counselor because He knows us through and through, and He loves us more than we can fathom. Luke 12:7 (NIT) puts His deep knowledge and love for us into perspective: “Indeed, the very hairs of your head are all numbered. Don’t be afraid; you are worth more than many sparrows.”

Almighty God

There are two points in this verse where Jesus is referred to as God. For this to make sense, we need to understand that Jesus and God are one in the same–two parts of the Trinity, with the third being the Holy Spirit. Jesus is the mighty God and everlasting Father because Jesus is God.

God is all-powerful. From the whole of creation to the wonders and miracles He’s performed throughout time, it’s all too evident. And if that’s not compelling enough, His power and majesty is repeated throughout Scripture. Revelations 1:8 (ESV) says, “‘I am the Alpha and the Omega,'” says the Lord God, ‘who is and who was and who is to come, the Almighty.'”

Jesus “being in very nature God, did not consider equality with God something to be used to His own advantage; rather, He made himself nothing by taking the very nature of a servant, being made in human likeness” (Philippians 2:6-11 NIV).

Can you believe it? God–almighty, omnipotent, holy, and limitless–”made Himself nothing” all for us. But He didn’t stop at lowering himself to that of a man; “He humbled himself by becoming obedient to death–even death on a cross!”

God almighty suffered the ultimate sacrifice for us. How humbling.

Everlasting Father

God is eternal. It’s hard for us to grasp being that we only think in finite time, but He existed before the concept of time. Psalm 90:2 (NIV) says, “Before the mountains were born or you brought forth the whole world, from everlasting to everlasting you are God.”

The book of Genesis speaks to how God and the Word existed before creation. Can you imagine existing for eternity in solitude? It’s no wonder God chose to create.

The everlasting God, who created us, loves us, and died for us, will be our Father for all eternity. As believers, we’re adopted into His family as children. Being a part of the family of God, we’re able to have a deep and personal relationship with Him–able to come to Him for help, for comfort, and with our praises. Forever. This relationship isn’t possible without Jesus.

Prince of Peace

Prince of Peace is a lofty title. A prince is an heir to a kingdom—in this case, the kingdom of peace. Jesus is the heir of peace, and if we are “co-heirs with Christ” (Romans 8:17 NIV), we can access peace through Christ.

Spiritual peace

Before Jesus, we were slaves to sin, living in constant contention with God. Our sin nature makes us self-serving, disobedient, impure, and wholly unfit to stand before the presence of a holy and perfect God. By washing us clean with His sacrifice, Jesus bridged the gap between us and God.

Jesus made reconciliation with God possible. Romans 5:1 (ESV) confirms this: “Therefore, since we have been justified by faith, we have peace with God through our Lord Jesus Christ.”

Emotional peace

Finding peace in a world bent on conflict and turmoil feels impossible, but Jesus brings a peace separate from the world. John 16:33 says, “I have said these things to you, that in me you may have peace. In the world you will have tribulation. But take heart; I have overcome the world.”

The key is resting in Jesus–in knowing this world is only our temporary home, and we’ll experience true peace once in our eternal home. We don’t have control over what the world does, but God does hold control–He’s overcome the world!

Mental peace

Perhaps the most tangible evidence of Jesus’ peace is our direct line to God. We have an almighty God we can talk to and have a personal relationship with. We’re promised peace if we come to God–with an attitude of gratitude–and share our requests and worries with Him (Philippians 4:6-7 ESV).

Jesus also promises “rest for your soul” (Matthew 11:28-30 NIV) if you take your burdens to Him and take on the lifestyle of Christ. We’re not promised easy lives, but we do know there’s peace through Jesus, our Prince of Peace.

How you lead people—the way you treat them—is a direct reflection of your faith. As C.S. Lewis writes, “A man whose life has been transformed by Christ cannot help but have his worldview show through.” Leadership styles, done well, are an excellent testimony for Christ.

In the Bible, we find different types of leadership styles, especially in the Old Testament. As you read through the kings of Judah and Israel listed in 1 and 2 Kings and Chronicles, you can easily tell through their leadership if they followed God or not.

Following your calling as a Christian entrepreneur often means you’ll have people working underneath you. Even if you’re the only employee at your small business, you can still lead those around you through your example. As Christians, we’re all leaders. We impact and influence others by the way we live our lives.

By developing qualities of a good leader—taking the role of a servant, supporting your employees as they work, and putting their best interest first—you can transform your workplace and display the love and unity of Christ.

Servant leadership

Jesus was a servant leader. The Savior of the world came down to live among us and lead us to the Father. He modeled a new type of leadership and demonstrated qualities of servant leadership that were uncommon to the people of His day. He did this by serving those who followed Him: washing their feet [John 13:1-17, NIV], comforting them, and growing them in faith. His focus was on them first and how He could equip them to fulfill their God-given purposes.

Following in Jesus’ footsteps requires us to display that same servant leadership style and demonstrate genuine love for those working under us.

Think about your employees or staff. How can you pray for them? Encourage them? Equip them? Ask God to provide meaningful ways for you to serve them and minister to them.

Transformational leadership

Transformational leaders understand the power of collaboration and a well-equipped workforce. Nehemiah, in the Bible, gives us a great example of a transformational style of leadership.

An ordinary person—a cupbearer tasting the Persian king’s wine to guard against assassination attempts—Nehemiah followed God’s prompting and brought together the scattered Israelite people to rebuild the walls of Jerusalem. By developing leadership skills while serving the king, Nehemiah was positioned to lead this assignment.

Despite many dangers, challenges, and direct opposition, Nehemiah created unity and did what many thought was impossible. How did he do this?

He provided the vision of a rebuilt Jerusalem and helped the disoriented Israelites catch his passion and courage. He listened to them as they worked, making sure they had the resources they needed. When enemies came, he freed resources to protect those working on the walls. Finally, he led by doing what he asked the Israelites to do: He worked on the wall himself, donated his money to help the poor and needy, prayed before making decisions, and held fast to God’s laws.

By being the change he wanted to see, Nehemiah’s leadership qualities helped the Israelites transform and rebuild a city that should have stayed destroyed.

Benevolent leadership

Benevolent leadership characteristics include working for the benefit of all, exemplified by Timothy, the recipient of 1 and 2 Timothy.

Though we don’t have many details about Timothy’s life, we do know that he was highly thought of. He was young when Paul is writing to him, but as the pastor at Ephesus, he showed leadership traits by actively taking Paul’s advice to “set the believers an example” [1 Timothy 4:12, ESV].

In his work as a pastor, Timothy had to defend his church against false teachers, standing firm in his faith and leading others according to the Scriptures. This he did by example with love, wisdom, and sound teachings.

Leadership and transformation

The theme of each leadership style can be summed up in two words: Love people.

When we’ve been changed and transformed by our faith in Christ and His love, our leadership style becomes influenced by this transformation.

We now have a desire to please God by serving others, being an agent for good and real change, and generously working for the benefit of those around us [Philippians 2:13 NLT].

Whether your leadership style leans more towards servanthood, transformation, or benevolence, the focus remains the same. Love God and love the people He created.

God’s heart is to restore us to wholeness. When we need healing for our bodies, minds, or spirits, God’s Word provides answers for our afflictions. Scriptures on healing give us a new perspective of hope and comfort. Rest and read God’s Word knowing that it will speak into your situation today. Let’s look at Psalm 34:18.

Psalm 34:18

We pick up our phones and get a notification for yet another negative headline. Instantly, fear strikes into our already weary hearts. We trudge through the day with a sense of impending danger, anxiety, or even grief. Sound familiar?

It can seem like we’re surrounded by struggle, lack, and disappointment. Our souls feel downtrodden, our hearts crushed, and our confidence shaken. But we weren’t meant to live this way. Psalm 34:18 reminds us that even in our brokenness, God draws close to us. Not only is He with us (Joshua 1:9), but He is the divine physician who is faithful to save us and heal us from the inside out (Mark 2:17).

When the dark shadows come to steal our joy, God wants to restore us to wholeness (Jeremiah 30:17). When just going through the motions is a trial, God wants to bring us a sense of renewed life and purpose.

Emotional distress

The Lord is close to the brokenhearted. Our mental anguish and emotional pain don’t cause Him to recoil or turn away. The reality is quite the opposite. In our darkest moments, God wants to draw us into His embrace. He wants to hold our hearts in perfect peace. 

It doesn’t matter what we’ve seen, what’s been done to us, or what struggles we encounter. Jesus is stronger. His shalom peace involves restoration, wholeness, and well-being for every area of our souls. 

It might not always feel that way, but we can rest knowing that even if our feelings betray us, He never changes. He is true and kind. He is for us through both the triumphs and the trials.  

God is with us

We can look inside ourselves and get distressed, or look at our outside circumstances and get depressed. However, when we look at Jesus, we find real rest. 

God is so close to us, even at this moment. He is Immanuel, the Prince of Peace, and the Mighty Counselor. With just one word, He can cause our broken hearts to come to life. He is always nearby, ready to rescue us from every anxious thought. 

In our darkest moments, God wants to draw us into His embrace.

All depression, fear, oppression, and worry have to leave at the name of Jesus. We can bring every burden and lay it at His feet. We can rest and know His shoulders are strong enough to carry the heaviness that tries to consume our hearts. His nearness brings us to abundant life.

If you’re ready for a breakthrough, don’t let fear keep you from letting His light in. His light is stronger than any shadow. Turn your gaze to meet His eyes, and know that He is with you.

Reflection Questions

• Does knowing that God is near you in every moment change your perspective?
• What burdens have you been carrying that you can give over to Christ?
• God says that He will rescue us and draw near to our broken hearts. How does reflecting on His kindness bring healing?

The long-anticipated time is here. The work of creation God’s completing within you is nearly done. 

Prepare for your life to change forever—it’s almost time to meet your child. 

The long-anticipated time is here. God’s work of creation within you is nearly done. The birthing process is beautiful, especially when you think of the end result of snuggling your sweet newborn baby. But it’s also scary. You might ask yourself, “Will I be strong enough? Brave enough? What if something goes wrong”? [Genesis 3:16, ESV] promises pain in childbirth, and it’s natural to feel fear walking into it with that knowledge.

But God didn’t give you a fearful spirit [2 Timothy 1:7, NIV], and He wants you to put your confidence in Him. Easier said than done, right? So how do you let go of fear and step boldly into motherhood?

Power of prayer

Never underestimate the power of prayer. Through Jesus, you have a direct line to God, with whom you can develop a relationship, lift your praises, and bring your requests. He wants you to approach Him confidently because He wants to help you in your time of need [Hebrews 4:16, NIV].

Acts 4:23-31, NIV provides an excellent example of how to pray when you’re scared. Peter and John were arrested for performing miracles and preaching the Gospel to the Jewish people. Faced with persecution, they prayed not for protection and safety but for courage and boldness to step out in faith, trusting that God would take care of the rest.

As you prepare for delivery, you might be dealing with anxiety. Perhaps you’re nervous things will go wrong or scared it will be too painful. You’re not alone in those feelings, and you’re not stepping into that delivery room alone. God is with you, and God is in control. 

Pray for courage and boldness, and trust God to take care of the rest.

1 John 5:14, NIV says, “This is the confidence we have in approaching God: that if we ask anything according to His will, He hears us.” We are not promised everything we ask for, but we are promised God hears the prayers that align with His will.”

Asking God for faith, trust, and courage is within His will for us. He wants us to trust Him, and trust and faith translate into boldness. Scripture backs this up.

• “Therefore, since we have such a hope, we are very bold” [2 Corinthians 3:12, ESV]
• “In whom we have boldness and access with confidence through our faith in Him” [Ephesians 3:12, ESV].
• “So do not throw away your confidence; it will be richly rewarded. You need to persevere so that when you have done the will of God, you will receive” [Hebrews 10:35-36, NIV].

While the outcome might be uncertain, God’s love and sovereignty are certain.

Praying for others is another way to keep your mind off your fears. Pray for your husband as he steps into fatherhood. Pray that God will give him the wisdom to support you and lead your family. Pray for your child to open their heart to God and live a life that brings glory to Him.

Finally, keep an attitude of gratitude. When you lift your prayers to God, lift them with a spirit of thanksgiving and praise. What follows is a peace that transcends our worldly understanding [Philippians 4:6-7, NIV].

Fearfully and wonderfully made

When fear of the unknown becomes too much to handle, remind yourself of these truths:

• You and your child are both fearfully and wonderfully made [Psalm 139:14, NIV].
• God holds a deep love for you [1 John 4:16, NIV].

God has a plan for you and your child. Every life, regardless of how long or short, plays a part in His grand design. While the outcome might be uncertain, God’s love and sovereignty are certain. God is good, even when things don’t go according to our plan. 

God created women to be strong and resilient. You have more strength than you may realize. And at the end of it all, you get to meet your baby. John 16:21, NIV says, “A woman giving birth to a child has pain because her time has come, but when her baby is born, she forgets the anguish because of her joy that a child is born into the world.” Be strong, be bold, and embrace the joy that comes on the other side.

“He replied, ‘Because you have so little faith. Truly I tell you, if you have faith as small as a mustard seed, you can say to this mountain, ‘Move from here to there,’ and it will move. Nothing will be impossible for you.’”

Matthew 17:20 [NIV]

Faith of a mustard seed

Do you know the size of a mustard seed? It’s usually around 1 to 2 millimeters in diameter, comparable to the tip of a pen. Essentially, it’s very small. 

Mustard seed faith is a bit of an odd idea, but historically, mustard seeds were used as a figure of speech to indicate something minuscule. But shouldn’t our faith be large rather than small? Why would Jesus want us to have faith the size of a mustard seed—minuscule faith?

It’s not that Jesus wants our faith to be that small—it’s more of a comparison to draw awareness to our shortcomings. When Jesus uses a mustard seed as an example of faith, He’s telling us our faith is less than minuscule. Our faith can’t measure up to even a mustard seed. It’s a sobering reality. 

Moving mountains

Surely, if Jesus uses mustard seed as a figure of speech, then our ability to move mountains is a figure of speech, as well—right? Scripture suggests otherwise. 

God performed many miracles through His chosen vessels all throughout Scripture. Moses parted the Red Sea through God’s leading. Elijah called fire down from Heaven through his faith in God. The apostles performed miracles of healing, casting out demons, and even raising the dead throughout their lifetimes.

Knowing the way God has used His people in the past, is it outside the realm of possibility to suggest we could move mountains? No, it’s not. But we need to understand what this faith means because otherwise, you won’t be telling a mountain to move with much success.

God’s will

Have you ever called out to God, begging Him to change an outcome, to meet a need, or provide healing, only for the prayer to seemingly go unanswered? Most people can relate. God is faithful to provide, but His provision doesn’t always look the way we picture it. 

We struggle with faith because we want God to fit into our own plans instead of trusting in His plan.

God isn’t a genie in a bottle, ready to perform miracles at our whim. 1 John 5:14-15 NIV says, “This is the confidence we have in approaching God: that if we ask anything according to His will, He hears us. And if we know that He hears us—whatever we ask—we know that we have what we asked of Him.” God acts on prayers that align with His will.

Moses parting the Red Sea, Elijah calling down fire, and the apostles performing miracles all have one thing in common—God’s will. They weren’t calling on God as a source of power, using His might and majesty however they wanted. On the contrary, God used them as vessels to perform His wonders. 

Through faith, they opened themselves up to God’s leading, and God accomplished many magnificent miracles because of this faith. It wasn’t their own power—it was God’s.

Practical application

How do we achieve mustard seed faith? 

First, we need to humble ourselves. Romans 12:3 NIV says, “Do not think of yourself more highly than you ought, but think of yourself with sober judgment, according to the measure of faith God has given you.” Our faith comes from God—not our own power. As such, we need to embrace our need for Him and accept that we can’t achieve faith on our own.

Knowing that God supplies our faith, the next step is to pray. Philippians 2:13 states, “for it is God who works in you to will and to act in order to fulfill His good purpose.” God supplies the desire to follow Him. Without His help, we can’t align with His will. If we ask God to supply us with faith and a desire to serve Him, He will hear us; 1 John 5:14-15 gives us that assurance.

Prayer is the most important step, but we also need to live out our faith. If we’re aligned with God’s will, there will be fruit in our life.

Galatians 5:22-23 ESV says, “But the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, self-control.”

We also have assura nce in John9:31 that if we do His will, he hears us: “We know that God does not listen to sinners. He listens to the godly person who does His will.”

If we acknowledge our need for God, ask for a desire to serve Him and show His fruit, we then tune in to His leading.

It’s only when we’re attuned to His leading that we truly desire the things of God. There our prayers will also align with God’s desires. 

That’s where mustard seed faith begins.

Reflection Questions

• When you make requests of God, do they typically align with your will or God’s will?
• What steps could you take to build up your faith to align with God’s will?
• What mountain are you facing in your life? Take time today to pray with faith that God will move it.

Wanting a child can feel lonely. Proverbs says “the barren womb” is never satisfied [Proverbs 30:15]. You may be hoping to conceive for the first time, trying for another child, or fearing your next pregnancy will end in miscarriage. Whether it’s been two months, two years, or a long season of waiting, know that God is with you.

As your mind and body are wrestling with the physical aspects and working to cope with the stress and impact on your marriage, your soul needs nourishment too. The intellectual part of your mind needs to process the truth of God’s word, and the more emotional parts of your soul and spirit also need to soak in God’s presence to find comfort, hope, and strength.

God cares

God created human beings to “be fruitful and multiply” [Genesis 1:28]. Creating and carrying new life in your body is a reflection of God’s very nature as Creator. Conceiving and giving birth to a child is a beautiful example of how God has uniquely designed women and their role in procreation.

However, throughout human history, many women have struggled to conceive—even women who knew God and were following Him. Perhaps you can identify with Sarah (Genesis 16), Rachel (Genesis 29), Hannah (1 Samuel 1), or Elizabeth (Luke 1). Like these would-be mothers of old, you may wonder why God seems to bless other women with children, but you aren’t experiencing the same.

God eventually blessed each of the above-mentioned women with a child. Will He do the same for you? I’ve talked with women who wonder if their struggle to conceive is God’s punishment for something they’ve done or not done. Some try to find the right prayer or the right person to pray over them so they will conceive.

It’s right to pray for a child. “Children are a gift from the Lord” [Psalm 127:3, NLT]. And for those who do have a child, it’s right to thank God for that new life. When I was delivering babies, I’d often say to new parents, “Every new life is a miracle. A new baby is God’s opinion that the world should go on.”

And if you’re struggling to conceive, it doesn’t mean God is against you. After all, “If God is for us, who can be against us?” [Romans 8:31, NIV]. He is for you regardless of your circumstances. To paraphrase Paul’s words, “Who shall separate us from the love of Christ?” Shall infertility or pregnancy loss? [Paraphrased from Romans 8:35, KJV].

God’s presence

Even when your intellect knows those true Biblical statements, your emotional self may still struggle. God’s presence with you offers comfort, strength, healing, and hope for both your intellectual and emotional self. He’s not waiting for you to get it all together; He’s right with you even in the midst of your struggle. Scripture shows God being uniquely close to those who are troubled:

• “The LORD is close to the brokenhearted and saves those who are crushed in spirit.”—[Psalm 34:18 NIV]
• “He heals the brokenhearted and binds up their wounds.”—[Psalm 147:3 NIV]

God invites you to bring your deepest burdens to Him. Believers in Scripture did just that; Moses, David, Jeremiah, Mary and Martha, and others. Many of the Psalms demonstrate how God invites you to share your anger, pain, loneliness, desperation, anxiety, fear, or questions. You need to hold nothing back.

Imagine Jesus sitting with you as you struggle to conceive. God’s presence never lessens; He’s with you always, regardless of the journey’s end. Open your soul to Him. Perhaps write Him a letter expressing all that’s on your heart. Picture Him in the room with you.  What look is on His face? What do you want to tell Him? Is He saying anything to you?

Soaking in God’s presence should become a regular practice. Don’t run away from Him—run to Him. It’s good to continue to let your requests be made known to God [Philippians 4:6]. But once you ask, don’t immediately get up and leave. Stay there a little longer and listen. As your heart becomes still, you can receive “encouragement in Christ [and] comfort from love” [Philippians 2:1]. 

Regardless

God will bless you, either with conceiving a child or with a blessing of a different nature. Sometimes He blesses by showing up as you are in the fire of infertility, as He did with the three Hebrews in the fiery furnace (Daniel 3). Jesus’ promise to you is, “I will never leave you nor forsake you” [Hebrews 13:5, ESV].

Perhaps your testimony will be, “For this child I have prayed” [1 Samuel 1:27]. Or perhaps your testimony will be, “None of these things move me” [Acts 20:24].

Embrace your feelings about not—or not yet—having a baby. Bring those emotions to Jesus. Be real with Him. And then direct your feelings instead of following them. Instead, follow Him and anything He tells you to do. Listen for His voice and soak in God’s presence.

May you invite Jesus to walk every step of this journey of trying to conceive with you. And may you sense God’s presence guiding and comforting you today, tomorrow, and every day.

What were the first thoughts that ran through your mind when you received the positive pregnancy test? Did you experience excitement and joy? Resolve? Did you feel anxiety and fear? Don’t worry—all these responses are normal.

Many pregnancies are planned and anticipated after much preparation and prayer. Other pregnancies are unexpected, and it’s normal to feel ill-prepared and nervous. Some pregnancies are the result of long periods of trying and failing to conceive, so it’s reasonable to feel a mixture of excitement and uncertainty.

Fear is natural. Whether you hear stories of other struggling mothers or even have your own past struggles weighing on you, it’s easy to let fear take hold. But while fear is natural, you shouldn’t sit in it. God’s in control, and He’s right there with you.

Be anxious for nothing

Anxiety, when left unchecked, seeps into every part of your life, and it’s not easy to overcome. But worrying doesn’t solve anything and even has negative consequences on your overall health and well-being [Luke 12:25, NIV]. Here are some scriptural truths about fear and anxiety to reflect on when you find yourself overwhelmed.

God cares

You don’t have to carry your struggles and stress alone. 1 Peter 5:7, NIV says, “Cast all your anxiety on him because he cares for you.” Bring your worries to Him; let go of the fear surrounding your unborn baby. Let Him carry it all for you.

God has not given us a spirit of fear

You aren’t designed to live in fear—God calls you to something better. 2 Timothy 1:7, NIV says, “For the Spirit God gave us does not make us timid, but gives us power, love and self-discipline.” Your spirit is meant to embrace God’s power, love, and peace. Put aside the fear of the unknown and embrace the spirit of God.

Trust in the Lord

As you put your trust and faith in God and His plan, fear loses its hold on you. Psalm 112:7 says, “They will have no fear of bad news; their hearts are steadfast, trusting in the Lord.” There isn’t room for fear in a heart filled with faith. Put your faith in God that He will care for you and your unborn baby.

God knows the outcome

You have an almighty, heavenly Father who thinks about you, and He wants you to know He loves you. Jeremiah 29:11, “For I know the plans I have for you,” declares the LORD, “plans to prosper you and not to harm you, plans to give you hope and a future.” God knows the story of you and your unborn baby. He knows your past, present, and future, and regardless of the outcome, He desires peace for you—not evil.

His grace is sufficient

Your weakness can glorify God. 2 Corinthians 12:9, ESV says “But he said to me, ‘My grace is sufficient for you, for my power is made perfect in weakness.’ Therefore I will boast all the more gladly of my weaknesses, so that the power of Christ may rest upon me.” When you feel small and your fear takes hold, humbly confess and relinquish your desire to control and hand it all to God, and He will act for you. God is in control, and He wants you to rely on Him.

Peace be still

Sometimes peace feels out of reach. When you have something weighing on your heart, when you worry for your unborn child and their future—it’s hard to find peace in those moments. However, the Prince of Peace gives promises throughout Scripture about how to attain peace.

God first

Keeping God first in your life and fixing your heart and mind on Him produces peace. Isaiah 26:3 NIV says, “You will keep in perfect peace those whose minds are steadfast because they trust in you.” The more your mind fixates on God, the less room there is for the world to sneak in and corrupt with fear and doubt.

Eternal love

When Jesus died and rose again, He left His Peace behind—a promise of eternity with Him. John 14:27, “Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid.”

The world can do very little to harm you, because God promises eternity, and nothing can take that from you. There might be struggles in this world, but that’s nothing compared to the glory Christ will reveal in us [Romans 8:18, KJV].

Thanksgiving prayer

An attitude of gratitude goes a long way toward pushing aside worry, and Philippians 4:6-7, ESV substantiates that promise: “Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your minds in Christ Jesus.”

When you posture your heart towards praise as you lift your concerns to God, you open the door for God’s peace to settle within your heart. Thank God for the gift of life He’s bestowed upon you and trust Him to take care of the rest.

Children are a gift from the Lord

Finally, take heart knowing God loves your unborn child, and He knew the outcome of your child’s life long before you knew you were pregnant. Psalm 139:13-16, NIV expresses how the wonderful Creator is weaving your child together and knows your child through and through. Jeremiah 1:5, KJV says, “Before I formed thee in the belly I knew thee;”

Your child is a gift and a heritage from the Lord. James 1:17-18, NIV says children are perfect gifts from above and “first fruits of all He created.” Be at rest knowing that God loves you and your child, and He has a plan for you both.

It’s never too early to prepare for that life-changing moment when you learn there’s a baby on the way. Embracing the miracle of life begins long before you welcome a little one into your arms, your home, and the world.

When trying to conceive, it’s important to tend to the health of your heart, soul, mind, and body. Here are some tips for getting pregnant, including steps to take and plans to make when trying to get pregnant.

The joy of the journey

“Though you have not seen Him, you love Him, and even though you do not see Him now, you believe in Him and are filled with inexpressible and glorious joy.”
[1 Peter 1:8, NIV]

God’s love for you is limitless, but His ways aren’t always so predictable. You can’t be certain about the timing, health, or the number of children, but taking proactive steps can bring unexpected blessings.

You’re part of a caring community that’ll help you through any personal challenges such as infertility, miscarriage, marital stress, or other events that can test and ultimately strengthen your faith. Whatever the future holds, His joy will be with you throughout the ups and downs of life.

Preparing for conception

When trying to conceive, start preparing six months to a year before you hope to get pregnant. Making a simple plan can keep you on track. You can use fertility apps and other smart pregnancy helpers, or a paper and pen – whatever works for you.

Financial worries can hinder family plans. Plan a baby-friendly budget to keep things manageable. Review our Maternity Guide for cost-sharing and other details as you plan.

Schedule an appointment

You may feel overwhelmed by pregnancy tips from friends and family or podcasters, bloggers, and social media. Scheduling a preconception appointment with your doctor helps keep you focused.

Your doctor will evaluate your health and health history, discuss fertility plans and recommend specialists as needed. Ask about the best approach for you – from diet and exercise to home-and-family preparations.

Your husband can schedule a preconception evaluation, too, to spot potential health or infertility problems and start proactive treatments.

Keep moving!

A healthy body prepares you for a healthy pregnancy. Experts at the Centers for Disease Control (CDC) recommend 150 minutes of activity weekly for healthy moms-to-be. To stay motivated, ask your husband or a friend to join you for regular walks or workouts. Scheduling small activities throughout the day can also help reach exercise goals.

Eat well

Your doctor can recommend prenatal multivitamins and what to eat or avoid when trying to conceive. A good diet limits processed foods and include a healthy, colorful variety of fruits and vegetables. Foods to choose or avoid when trying to conceive include:

• Salty or sugary junk food
• Certain raw, undercooked, or unwashed foods
• Unpasteurized dairy products
• Mercury-containing tuna, swordfish, and other large fish
• Foods with PFOA (perfluorooctanoic acid) – a chemical used in some fast foods, microwaveable popcorn, and other pre-packaged convenience foods

Harvard School of Public Health researchers recommend the following dietary changes to lower fertility risks associated with ovulatory disorders:

• Fewer trans fats
• Less low-fat dairy and more high-fat dairy
• Less sugar from carbohydrates
• More fiber

Take folic acid daily

Getting 400 mcg of folic acid daily can help prevent brain and spinal birth defects. You can also get folic acid from folate – a nutrient in certain foods, fortified cereals, and grains. According to the National Institutes of Health (NIH), dietary sources of folate include:

• Asparagus
• Brussels sprouts
• Leafy green vegetables
• Liver
• Spinach
• Yeast

Avoid alcohol and excess caffeine. Ask your doctor about medications, supplements, and herbal teas to avoid when planning a pregnancy.

Take care of yourself

Healthy moms-to-be create a safe, nurturing place for babies to grow. The following pregnancy tips can help:

• Take it easy – Conflicts and worries are part of life, but excess stress affects your health. Get plenty of rest, discuss expectations with your husband, and find ways to manage marriage stress.
• Prepare your home and family – Research safe cribs, furniture, and products, and take steps to prepare siblings and even your pets for a new baby.
• Don’t smoke – The CDC reports that smoking during pregnancy can contribute to premature delivery, low birth weight, birth defects, and other complications. If you need help, call 1-800-QUIT-NOW (1-800-784-8669).

Relax! You’ve earned it.

Getting pregnant is a journey to experience, not a task to complete. God will be with you every step of the way, and you can trust Him to care for you and your family – wherever the journey leads.

Seek help and lean on others when you need it, too. And above all, remember that you were made for this miraculous and unpredictable journey of creating life.

“The biggest blessing we received was all the cards and prayers that poured in from CHM members.”—Wahid Wahba

“Members from all across the country began to pray for Mallory’s healing and sent her encouraging cards and letters.”—Cassie Millburn

“The most astonishing part of my health crisis was the outpouring of prayer support in the form of cards, letters and emails from CHM members across the country. Each week our mailbox was filled with fervent, written prayers from the amazing Body of Christ.”—Alice Rouse

Each of these CHM members have received cards from fellow members like you, who took time out of their day to spread the love of Christ and encourage them when they were feeling overwhelmed. These cards turned bad days into good ones, gave hope when they were feeling down, and became treasures long after their medical events had passed.

But how do you write letters of encouragement or cards like this? What should you include? What should you leave out? We’ve provided some ideas you can use to make sure that your letter or card is truly encouraging, along with suggestions for what not to include.

Do include Scripture

The psalmist wrote, “The Lord is close to the brokenhearted; and saves those who are crushed in spirit” [Psalm 34:18, NIV]. Who is better, then, to encourage fellow members struggling through a medical incident? Including Scripture—the very Word of God—brings His unwavering comfort and encouragement right into the recipient’s hands. The Bible provides a multitude of uplifting thoughts to share.

Do include prayer

One of the most encouraging declarations a believer can hear is: “I’m praying for you.” Take this encouragement one step further and write out your prayer so your recipient can see the words you prayed over them and hold onto your prayer as they go through their medical event.

Do include stories of God’s power

As Phylicia Masonheimer so aptly said, “God’s kindness and past provision are a template for His future actions.” By sharing your encouraging stories or the ways you have seen the Lord working in your own life, you are giving this same encouragement to your fellow members.

Do be Spirit-led and heartfelt

A letter of encouragement doesn’t have to be lengthy, perfectly penned, or eloquently expressed—on par with Jane Austen, William Shakespeare, or the psalmist—to be impactful. Instead, listen to the Holy Spirit as He leads you and write from your heart! What makes these letters and cards so encouraging is that you took the time to write and let the recipients know you’re thinking of them.

Don’t include advertising or promotional offers, health remedies, political materials, or information promoting various religious denominations

It’s important to remember that the purpose of writing a letter is to encourage people as they go through a difficult situation. Sending such items as these does not accomplish this goal. Even though they may be sent with good intentions, these communication pieces typically benefit the sender more than the receiver.

Before you send something, ask yourself, Would I find this encouraging when I’m facing a stressful event? If the answer is no, don’t send it.

Letters of encouragement and cards are a huge blessing to your fellow members. Indeed, they often are treasured for years after the event has taken place. Thank you for supporting your brothers and sisters in Christ through your comforting and uplifting words. Happy encouraging!

New CHM members sometimes ask how they can know that other participants will take care of them when a medical event occurs. We enjoy answering this question because our history, present and future highlight reasons why you can be confident that CHM members will share your eligible medical expenses.

Our upstanding history

Founded in 1981, Christian Healthcare Ministries (CHM) is the longest-serving health cost sharing ministry. Since CHM’s inception, its members have shared 100 percent of each other’s eligible health cost burdens.

Our present

Transparency is part of being accountable. Here are just a few of CHM’s internal policies:

• Third-party annual audits: CHM’s annual financial statements are audited by an independent Certified Public Accounting firm. It checks all aspects of CHM from the receipt and disbursement of money to the systems and procedures that control operations. Additionally, copies of annual audits are made available to anyone upon request.
• Our independent board of directors: Management and the Board of Directors regularly review financial statements and reports on CHM’s financial position. The Board also reviews and approves the ministry’s annual budget.
• Maintaining strict internal controls: CHM staff members who receive money do not disburse money. CHM staff members who prepare checks for payment do not sign the checks. CHM staff members who sign the checks do not reconcile bank statements.
• Fraud prevention measures: CHM implemented and abides by the provisions of the Sarbanes-Oxley Act of 2002, which directly addresses fraud prevention. As a non-profit organization, CHM is not required to take this action, but it does so to give members even greater confidence in CHM’s safeguards.
• Publishing the CHM Guidelines: The CHM Guidelines are available online, so there should be few questions about what is, or isn’t, eligible for sharing. Our staff is available through multiple methods of communication, including direct social media messages, to give members answers to any Guidelines-related questions.
  

Our vision for the future

When God’s people come together to support one another, it becomes a testimony to the watching world. Because of members’ generosity every month as they send in their monthly contributions, CHM was able to support tens of thousands of families last year alone. CHM members have shared over $12 billion in members’ healthcare costs since 1981.

Learn more about CHM’s programs and costs here.

Christian Healthcare Ministries (CHM) is a health cost sharing ministry that provides a cost-effective and faith-based framework to help fellow believers with health cost support. We take our calling seriously and love serving members. Here are three ways it shows:

1. We share 100 percent of eligible medical bills.

Our mission is to show God’s love through the sharing of medical bills, which is why sharing 100% of eligible medical bills is our top priority. It’s also why we go to such great lengths to be the best stewards possible of members’ gifts. This commendable track record has gained the notice of financial experts such as Dave Ramsey and Scott Moore, and helped CHM earn the designation as a Better Business Bureau Accredited Charity. It’s also why over 90% of all revenue go straight to medical bill sharing, and we embrace a debt-free mindset. What CHM members do for each other is an expression of God’s love, and like the God we serve, they do it in full.

2. We celebrate how much is shared on your behalf.

From the offices of CHM, a resounding cheer is heard. What’s the occasion? We’ve shared a record dollar amount of medical bills! We see the monthly sharing total as a tangible indication of God’s hand and members’ faithfulness toward one another.

God is working through this ministry—through both staff and faithful, caring CHM members—to ease the burden of medical bills for Christians across the country. To us, that’s something worth cheering about.

3. Ministry is our foundation.

Based on the biblical principles of Galatians 6:2 and Acts 2 and 4, we apply our biblical calling to every aspect of our ministry—in the way we interact with members, encourage members to interact with each other, pray over medical bills, or talk with providers. We look at healthcare through Bible-focused glasses.

CHM is a ministry—not a business—through which CHM members are in a covenant with each other and help one another spiritually, financially and emotionally at any age or stage. It’s our honor to enable Christians to live out their faith through in the very practical area of healthcare costs.