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.
Gold level members: Signing up for Brother’s Keeper provides unlimited cost support per illness (diagnosis).
Silver and Bronze members: Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, participants receive an additional $100,000 of assistance, up to $1 million per illness.
For medical needs exceeding $125,000, Brother’s Keeper members send a quarterly designated gift amount (average* amount: $45 per membership unit; see our cost calculator) to the CHM office, where it is deposited in an audited escrow account. There is also a $40 annual, nonrefundable fee per membership.
Members receive a quarterly Brother’s Keeper letter stating their quarterly gift amount and the name of a fellow Brother’s Keeper member who has medical bills. They are asked to send cards and letters of encouragement to these fellow Christians.
To join Brother’s Keeper, check the box on the CHM Member Application. If you are already a CHM member and want to join Brother's Keeper, please call our Member Services department at 1-800-791-6225, ext. 5993.
*Please note: Brother’s Keeper operates differently than the Gold, Silver or Bronze programs. Quarterly amounts are calculated by taking the total dollar amount of medical bills eligible for Brother’s Keeper sharing and dividing by the number of Brother’s Keeper participants. This is why CHM recommends budgeting an average amount of $45 per membership unit, per quarter.