Programs & costs
Gold Program
$150 per unit, per month
Please note: Beginning April 1, the Gold level is $172 per unit, per month.
- Most extensive financial support by sharing 100% of any medical incident exceeding $500 (as long as all other Guidelines are met), up to $125,000 per illness. Read an example here.
- Includes:
- Inpatient or outpatient hospital incidents and surgery
- Medical testing
- Maternity
- Physical therapy and home healthcare (up to 45 visits)
- Incident-related doctor’s office visits
- Incident-related prescriptions
- 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
Silver Program
$85 per unit, per month
Please note: Beginning April 1, the Silver level is $118 per unit, per month.
- Shares medical expenses exceeding $1,000* as long as all other Guidelines are met, up to $125,000 per illness.
- Includes:
- Inpatient or outpatient hospital incidents and surgery
- Surgery performed at any certified surgery center
- Maternity* bills incurred as a hospital patient or bills from midwife services (up to $2,500 per pregnancy)
- Does not include:
- Testing and treatment outside a hospital
- Testing and treatment outside a hospital
*Please note: Beginning April 1, Silver Personal Responsibility is $2,500 per unit, per incident. Additionally, maternity expenses will be eligible for sharing on the Gold level only.
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
$45 per unit, per month
Please note: Beginning April 1, the Bronze level is $78 per unit, per month.
- Shares medical expenses exceeding $5,000 as long as all other Guidelines are met, up to $125,000 per illness.
- Includes:
- Inpatient or outpatient hospital incidents and surgery
- Surgery performed at any certified surgery center
- Does not include:
- Maternity bills
- Testing and treatment outside a hospital do not qualify for sharing
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.
Important change beginning April 1: CHM’s monthly gift amounts for all members are:
Some limitations apply concerning pre-existing conditions for all programs.
For Maryland residents only: Learn additional information regarding CHM membership for Maryland residents here.
Gold program incidents 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. CHM shares $5,000 ($7,500-$2,500), which is 100 percent of the cost after discounts. 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 $500. 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 $500 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, Bible-inspired program enabling CHM members to meet medical bills that exceed the $125,000 limit per illness specified in the CHM Guidelines.
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.
CHM is a proud sponsor of Ramsey Live Events and the only healthcare sharing company heard on The Dave Ramsey Show.
