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.

Mother and son survive winter crash

Hear Heather tell her story and recount her “But God” moment. God cared for her and her family, from the first snowflake to her son’s safety and her healing.

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 to their program and their resources must be exhausted first.

2. Please complete and return the below forms along with your medical bill processing forms so that CHM may process your medical bills:

         Accident verification form         

Reimbursement Agreement Affidavit

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 Brother’s Keeper; see Guideline Y for more information).

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.

There are many variations in insurance policy offerings and numerous state rules and regulations regarding auto insurance. Therefore, CHM has not set a minimum requirement for members regarding auto insurance. However, if you obtain the lowest limit possible, CHM reserves the right to limit your sharing eligibility at the ministry’s discretion.

For an extensive list of ineligible motorized vehicle accidents please see Guideline W.

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