Accidents

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.