CHM costs and programs
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.
Gold Program
$172 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
- 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
$118 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
- 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
$78 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
- 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.
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.
Program Comparison
| Gold | Silver | Bronze | |
|---|---|---|---|
| Personal Responsibility | No Personal Responsibility for medical incidents exceeding $500; please see description and example above | $1,000 per medical incident | $5,000 per medical incident |
| Sharing limit | $125,000 per illness | $125,000 per illness | $125,000 per illness |
| Sharing limit w/Brother’s Keeper (more information) | Unlimited per illness | An additional $100,000 per illness, per year; up to $1 million | An additional $100,000 per illness, per year; up to $1 million |
| Hospitalization (inpatient/outpatient) | Included | Included | Included |
| Surgery (Performed at a facility that meets accepted standards of care) | Included | Included | Included |
| Doctor’s office visits | Incident-related | Not included | Not included |
| Prescriptions (more information) | Incident-related | Not included | Not included |
| Physical therapy/home healthcare | Up to 45 visits per each type | Not included | Not included |
| Maternity (more information) | Up to $125,000 per pregnancy or unlimited w/Brother’s Keeper | Only hospital treatment (up to $125,000 per pregnancy) or up to $2,500 for midwife services per pregnancy | Only hospital treatment (up to $125,000 per pregnancy) is eligible for sharing |
| Alternative care | Not included | Not included | Not included |
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.
