Editor’s note: This information was published in the February 2020 issue of Heartfelt Magazine, CHM’s monthly magazine that provides CHM membership-related tips and tricks, medical advice from doctors, testimonies from CHM members, and more. Please refer to the CHM Guidelines and applicable web pages for the most up-to-date information regarding CHM membership, sharing eligibility, and ministry news.
Christian Healthcare Ministries has experienced a five-year stretch of tremendous growth and is poised for more in 2020. However, with growth can come growing pains: in this case an increased volume of medical bills eligible for sharing combined with rising medical costs.
For these reasons, the time to increase monthly gift amounts is drawing near. Your ministry’s leadership team and board of directors has not made this decision lightly. Here are facts that should help ease any concerns:
- CHM has not raised member costs in 12 years. Other healthcare programs raise their rates routinely (often annually). Prior to the last increase in Jan. 2008, CHM went eight years without a monthly gift amount increase.
- The ministry has been laser-focused on shortening sharing time—and it’s working. Members saw two record-breaking months in late 2019 when over $47 million and $52 million were shared in September and October, respectively. Sustaining a shortened sharing time—and reducing it further—requires an increase in members’ monthly gifts.
- As a CHM member you need never worry that your monthly gift amount will increase because of an expensive illness or costly injury, nor will you be “cancelled” because of an expensive medical condition.
As of April 1, 2020, monthly gift amounts for all members will be as shown in the chart to the right.
Please also note that, beginning April 1:
- Maternity expenses will be eligible for sharing on the Gold level only. Silver and Bronze members who incur bills for pregnancies conceived before April 1 will be shared on those levels; all current CHM Guidelines apply. Expenses for pregnancies conceived on or after April 1 will be ineligible for sharing. Women must be Gold members at least 300 days before their estimated due date for expenses to be eligible for sharing. Please allow 30 days for participation changes to take effect. See CHM Guideline G.4, R and Z.1 for more information.
- Silver level Personal Responsibility will become $2,500 per incident (there is no change to Personal Responsibility for Gold or Bronze members).
“The CHM staff is doing our best, every day, to be wise stewards of the funds you, along with those of your fellow believers, entrust to us to share your healthcare costs,” says Joe Emert, CHM Board Secretary. “The record is evidence: since 1981, the ministry has shared nearly $4.5 billion in members’ medical bills.
“Thank you for being a part of this extraordinary family of believers and for embracing the vision of sharing each other’s burdens and fulfilling the law of Christ (Gal. 6:2). You, our members, have made this ministry a beacon of hope that shines as an example of Christ’s light.”