CHM costs and programs

Gold Program

$235 per unit, per month
  • Most extensive financial support by sharing medical incidents totaling $1,000 or more (as long as all other Guidelines are met), up to $125,000 per illness. Read an example here.
  • Annual Personal Responsibility (PR) of $1,000 per unit.
  • Qualifying amount per incident of $1,000 per unit.
  • Maternity has a separate Personal Responsibility of $1,500, which can be reduced by $500 if members call CHM within the first 16 weeks of pregnancy.
  • Includes:
    • Inpatient or outpatient hospital incidents and surgery
    • Urgent care
    • Independent lab work and radiology
    • Maternity
    • Physical therapy and home healthcare (up to 45 visits for each type)
    • Incident-related doctor’s office visits
    • Incident-related prescriptions
    • CHM SeniorShare™ gift reduction for eligible members
    • Access to telemedicine services
    • Removes the $125,000 per illness cap when adding Brother’s Keeper

Gold plus Brother's Keeper
  • Shares expenses exceeding $125,000 per illness to an unlimited amount

Learn more about Brother’s Keeper.

 

Silver Program

$135 per unit, per month
  • Shares medical incidents totaling $2,500 or more (as long as all other Guidelines are met), up to $125,000 per illness.
  • Annual Personal Responsibility (PR) of $2,500 per unit.
  • Qualifying amount per incident of $2,500 per unit.
  • Includes:
    • Inpatient or outpatient hospital incidents and surgery
    • Surgery performed at facilities that meet accepted standards of medical care
    • Access to telemedicine services
  • Does not include:
    • Maternity bills
    • Testing and treatment outside of a hospital
    • Urgent care facilities

Silver plus Brother's Keeper
  • Provides an additional $100,000 of cost support
  • With each annual renewal, members receive an additional $100,000, accruing up to $1 million per illness

Learn more about Brother’s Keeper.

 

Bronze Program

$90 per unit, per month
  • Shares medical incidents totaling $5,000 or more (as long as all other Guidelines are met), up to $125,000 per illness.
  • Annual Personal Responsibility (PR) of $5,000 per unit.
  • Qualifying amount per incident of $5,000 per unit.
  • Includes:
    • Inpatient or outpatient hospital incidents and surgery
    • Surgery performed at facilities that meet accepted standards of medical care
    • Access to telemedicine services
  • Does not include:
    • Maternity bills
    • Testing and treatment outside of a hospital
    • Urgent care facilities

Bronze plus Brother's Keeper
  • Provides an additional $100,000 of cost support
  • With each annual renewal, members receive an additional $100,000, accruing up to $1 million per illness

Learn more about Brother’s Keeper.

 

Calculate your cost

CHM members select one of three programs and can opt into the ministry's additional program for catastrophic health events. Get instant, personalized information and compare program costs for you and your family.

 

Explore Pricing

Understanding Personal Responsibility and Qualifying Amount

Your qualifying amount per incident (QA) is the amount each incident must total (before discounts) to be eligible for sharing. This amount does not change and applies to each incident individually.

Your Personal Responsibility (PR) is the amount that each membership unit is responsible to pay each year. It’s possible for this single amount to apply across multiple incidents. For example: a Gold member submits an eligible $1,200 bill with $300 discount. This would mean the member pays the difference of $900 and that individual (or children unit) still has $100 left to fulfill their PR.

Gold program incident example:

You receive treatment early in the year for a gallbladder problem. Your bills total $7,500 and you receive $2,500 in healthcare provider discounts. After you pay your Personal Responsibility of $1,000, CHM shares $4,000 ($7,500-$3,500), 100% of the cost after paying your Personal Responsibility.

In the middle of the same year you have some blood tests done (for an unrelated illness) that cost $400. CHM does not share any of these bills because the total cost of the incident is less than your qualifying amount per incident of $1,000.

At the end of the year, you break your arm and the treatment amounts to $2,500. CHM shares the entire amount of $2,500 because the incident totals more than $1,000, you've paid your Personal Responsibility, and the treatment meets all other CHM Guidelines.

 

Brother's Keeper: CHM's catastrophic bills program

Brother’s Keeper is your safeguard against catastrophic illness or injury. Brother’s Keeper is a low-cost, biblically-based program enabling CHM members to meet medical bills that exceed the $125,000 limit per illness specified in the CHM Guidelines.

Learn More

Group health programs

Christian Healthcare Ministries (CHM) has hundreds of participating groups—all of which are Christian organizations with an all-Christian staff. Furthermore, all group members meet other CHM membership requirements.

Learn more

 

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