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.
- 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.
- 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.
- 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.
- 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.
- 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.
CHM Guidelines: The Guidelines are your go-to details for understanding sharing eligibility and how CHM works. The 2026 version of the Guidelines is now available on the Member Portal. Please review the updated Guidelines, especially the
key changes below:
- Cancer Care Solution (a new resource) was added to section VII
- A new sub-section was created to clarify medical bill sharing steps for Accidents and Injuries under section VI
- “Submission of Medical Bills” was moved under section VIII
Member Portal: Use your portal to submit medical bills online, pay monthly contributions, make membership changes, ask for prayer, pray for others on the Prayer Wall, and track referrals through Refer-a-Friend.
CHM Member Portal app: Get all the Member Portal features wherever you are. With the app, you can enable biometrics on your phone—no need to remember your password. Plus, upload pictures of your medical bills directly from your camera app.
Social media: Connect with other CHM members to find and give encouragement. Warrior Wednesday prayer moments, Facebook support groups, and giveaway opportunities are ways you can interact with other CHM members.
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