Programs & costs
Gold Program
$150 per unit, per month
Please see the CHM Guidelines for complete information.
The Gold program provides members with the ministry’s most extensive financial support. CHM shares 100 percent of bills for any medical incident exceeding $500 as long as all other Guidelines are met. (Total bills incurred per incident must exceed $500 in order to be eligible for sharing.) You can receive assistance up to $125,000 per illness.
Read an example incident here.
Gold plus Brother's Keeper
If you join at the Gold level and also join Brother’s Keeper, you will have unlimited financial assistance available to you for all eligible medical bills (bills must total over $500 per incident). Learn More
Silver Program
$85 per unit, per month
The Silver program is primarily for hospitalization. Please see the CHM Guidelines for more information.
At the Silver level, you have a $1,000 personal responsibility per incident. In other words, you need to pay $1,000 (or receive at least $1,000 worth of discounts on your medical bills) per incident before CHM helps share your expenses. You can receive assistance up to $125,000 per illness.
Silver plus Brother's Keeper
Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, members receive an additional $100,000, accruing up to $1 million per illness. Learn More
Bronze Program
$45 per unit, per month
The Bronze program is primarily for hospitalization. Please see the CHM Guidelines for more information.
At the Bronze level, you have a $5,000 personal responsibility per incident. In other words, you need to pay $5,000 (or receive at least $5,000 worth of discounts on your medical bills) per incident before CHM helps share your expenses. You can receive assistance up to $125,000 per illness.
Bronze plus Brother's Keeper
Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, members receive an additional $100,000, accruing up to $1 million per illness. Learn More
Some limitations apply concerning pre-existing conditions for all programs.
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 injury/sickness | 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, 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.
