Policies

General privacy statement regarding personal information

Your privacy is very important to us. Therefore, Christian Healthcare Ministries does not share, sell, or rent your personal information to third parties for their marketing purposes. We only collect personal information from you necessary to supply you with the service(s) you request from us. By supplying your personal information, you agree that we may use it to perform the service(s) you have requested or contact you in the event that we cannot perform the service(s) requested.

Medical bill privacy

When you submit medical bills to Christian Healthcare Ministries for member sharing, you will be asked to complete a form authorizing your health care providers to share your medical information with CHM so that we can process your medical bills for sharing. This form is compliant with the federal law (HIPAA) that protects patient information. Once sent to CHM, your medical information is kept in a secure location and is only accessed by employees who need that information in order to process your bills for sharing. Christian Healthcare Ministries cannot be held liable for compromised security while medical bills are in transit. (Please be advised not to send sensitive medical information via email, which is not a secure method of transmission.)

Online security policy

Christian Healthcare Ministries treats your data as an asset to be protected against loss and unauthorized access. We employ security techniques to protect such data from unauthorized access by users inside and outside the organization. For example, you may access your online Member Portal only if you have registered for access. Christian Healthcare Ministries encrypts your personal information such as user IDs, passwords, and account information over the Internet. Any information we send you is scrambled en route and decoded once it reaches your browser. However, since “perfect security” does not exist, Christian Healthcare Ministries cannot be held liable for security infringements by unauthorized users outside the organization.

If you wish to request a refund of any funds donated online, please call the CHM Member Assistance department at 1-800-791-6225, ext. 5993.

Termination (cancellation) by members

You can cancel your Christian Healthcare Ministries membership at any time by calling the Member Assistance department at 1-800-791-6225, ext. 5993. If you have submitted medical bills to CHM that have not yet been shared at the time you cancel your membership, please be aware that CHM Guidelines state that your medical bills will not be eligible for sharing. If you intend to change your sharing level, number of units, discontinue your participation or change the status of your membership in any way, please allow 30 days from notification for the change to go into effect.

Termination (cancellation) by Christian Healthcare Ministries

Christian Healthcare Ministries reserves the right to automatically cancel your membership after three months of not receiving a monthly financial gift from you. CHM takes care to notify members when their membership is delinquent and will work with you to catch up on your giving if you demonstrate intent to remain a member. If your membership is more than three months delinquent, CHM will not be able to share any medical bills you have submitted until your account has a zero balance due. If your membership is three or more months delinquent, CHM will consider it proof that you have chosen not to participate. Your membership will be cancelled as of the end of the last month for which you paid and CHM will issue notification. If at some point in the future you seek to re-join CHM, you will receive a new start date, meaning that any active medical incidents will become pre-existing and therefore ineligible for sharing. (See the CHM Guidelines for complete information about pre-existing conditions.)

Selling or bundling CHM with insurance products

CHM requires that, without exception, CHM enrollment and membership is handled by CHM exclusively. Third parties are not authorized to enroll members or collect CHM financial gift amounts. Any attempt by an unauthorized party to enroll members or collect monies from a member in the name of CHM is a violation of our policies and may be considered fraudulent—and therefore illegal—activity. Additionally, CHM cannot be packaged or bundled with any services you offer. Such services may, unlike CHM, be subject to licensing and regulation in many if not all states. In most states, bundling CHM membership with insurance products is illegal and brings the bundler into serious violation of the law with ensuing penalties.