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.

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 Member Sharing Account. There is also a $40 annual, nonrefundable fee per membership.

Members must be enrolled in Brother's Keeper prior to experiencing any signs, symptoms, testing or treatment for sharing of bills over $125,000. Please note, however, that there is no Brother's Keeper sharing for congenital conditions or birth defects. Please also see CHM Guidelines Z and AA for information about pre-existing conditions. 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.

Read More: How CHM will take care of you


What CHM members say

Miraculous holiday healing (Sonya Lewis-Picon, Robbinsville, N.C.)

Sonya Lewis-Picon had no idea how sick she was. What she though was a normal cold or flue put her in a medically-induced coma for 12 days, with a machine breathing for her. Doctors told her husband she had only 1 30 percent chance of surviving.

See how God worked a miracle in Sonya's life and learn how CHM members share 100 percent of her eligible medical bills!

Foothills Christian Church (El Cajon, CA)

A dangerous delivery. A three-week NICU stay. Four months of hospice care. Severe brain damage leading to cerebral palsy. A praying church looking to God for healing and to CHM for financial help. Watch the Hoffman family and Foothills Christian Church’s pastors tell their miraculous story about the greater body of Christ rallying to bless their family and share over $224,000 in medical bills.

The Standrings (American Fork, UT)

Not long after their two-week-old son passed away from a heart defect, the Standring family learned that their two-year-old daughter, Mazy, had leukemia. Watch this video to see how the Standrings learned many valuable lessons during this stressful time and how they witnessed God's faithfulness through CHM members sharing over $400,000 in cancer treatment costs!

The Hills (Ada, MI)

Intending to return to Uganda where they serve as missionaries, the Hill family rejoiced as they learned they would give birth after their arrival. Concerned about their pregnancy being on the heels of a miscarriage, doctors encouraged them to remain in the United States for their baby’s birth. Complications ensued, including a less than 10-minute survival window for both mother and son. See how the Hills learned about God’s involvement in their lives and His provision of $300,000 through CHM members for the birth of their son, Joshua.

Dr. Tim & Jonna Ryan (Cartersville, GA)

Dr. Ryan has been practicing medicine for 24 years now. He and his wife, Jonna, built The Physician’s Practice from the ground up, believing that a direct primary care system was the best way they could serve the community around them. When they found CHM, they knew that CHM’s similar goals and values made the ministry the perfect healthcare partner. Then, the unexpected happened: Jonna was diagnosed with ovarian cancer. In this video, learn a doctor’s thoughts on CHM and see how CHM members helped share over $180,000 in cancer medical bills for Jonna.

Glen and Verna Dobraska (Corinth, TX)

Over the 30 years the Dobraskas have been CHM members, they have faced a multitude of injuries and illnesses. The worst, however, was when their daughter Kristy was kicked in the back of the head by a horse. With several fractures and a multi-day stay in the hospital, they knew it would be the ultimate test of CHM.

Hear the Dobraskas’ share about CHM’s faithfulness through their more than 30 years of ministry membership and over $150,000 in shared medical bills.

The Doyle family (Winter Springs, FL)

While in the midst of Barb battling stage four liver cancer, she and her husband, Brian, share their cancer journey, relay the benefits of being a CHM member and express their gratitude for CHM members sharing about $150,000 after nearly $150,000 in discounts.

Dreama Whitlow (Massillon, OH)

CHM staff member Dreama Whitlow walks viewers through her cancer journey, talks about the decision she made to give God the glory in all outcomes, reflects on the lessons she learned spiritually, and expresses the way she saw CHM members share her medical bills totaling more than $180,000 after about $150,000 in discounts.

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