Change beginning January 1, 2022: CHM’s monthly gift amounts will be as follows: Gold at $205, per unit; Silver at $125, per unit; Bronze at $85, per unit.
CHM costs and programs
Gold Program
$205 per unit, per month
- Most extensive financial support by sharing 100% of any medical incident totaling $500 or more (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
- 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
- Free 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
Silver Program
$125 per unit, per month
- Shares medical expenses totaling $2,500 or more (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 facilities that meet accepted standards of medical care
- Free 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
$85 per unit, per month
- Shares medical expenses totaling $5,000 or more (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 facilities that meet accepted standards of medical care
- Free 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.
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, biblically-based 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 Ramsey Show.
Dave Ramsey | Financial expert
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