Members with pre-existing conditions recommend CHM

By Calvin Cotterell, Kenai, Alaska; and Paul Baker, Troy, Ohio

Editor’s note: This information was published in a previous 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.

Calvin Cotterell

In 2014 I lost my health insurance policy and didn’t know what I was going to do. Thankfully, we soon heard about Christian Healthcare Ministries from my wife’s doctor.

I’d had back pain since 2012 that grew worse each year. Finally, in 2017 I sought treatment in the form of an MRI and pain control injections. However, the injections only provided temporary relief.

It was apparent that I needed bilateral spine surgery.

My wife, Terri, called around to get pricing from several healthcare providers. The surgeon offered a 50 percent discount if paid within a certain timeframe, so we scheduled the surgery for Feb. 2018.

Meanwhile, I had called CHM for advice; everyone I spoke with was helpful. I found out that I would receive help through the ministry’s two pre-existing conditions programs: the Gold schedule and the Prayer Page.

I found it easy to submit my medical bills to CHM. The total charges were over $90,000 and I received discounts of over $25,000. That left just under $65,000, of which $50,000 was shared through the Gold schedule and over $14,000 was shared by CHM members’ giving to the Prayer Page.

I was humbled and blessed that so many people who don’t know me took the time to pray for me and help me with my bills.

Today I’ve been given a clean bill of health, for which I thank God, my healthcare providers, my family and CHM.

My experience with the ministry was so positive that I have recommended CHM to others. I can’t say enough good things about it; thank you for all you’ve done for me!

Paul Baker

I feel compelled to share my testimony about CHM and the Prayer Page.

My wife, Denise, and I joined the ministry in April 2017. I had a hernia that I knew would likely need to be repaired at some point. That time came in January 2018 when I underwent surgery.

The surgery’s cost exceeded the amount available through CHM’s Gold schedule for pre-existing conditions. Therefore, the ministry shared over $17,000 through the schedule and the remaining $3,800 was listed on the Prayer Page in Heartfelt Magazine.

In addition to receiving checks to share all of my bills, I was the recipient of numerous cards from other CHM members asking how I was doing and saying they were praying for me.

CHM is an organization of integrity that keeps its word. All of the staff members were helpful and explained things thoroughly to me whenever I called.

Denise was offered health insurance when she got a full-time job, but we chose to stay with CHM because of our great experience. We highly recommend the ministry to every Christian.


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