Christian Healthcare Ministries Reviews
Christian Healthcare Ministries (CHM) is a faith-based healthcare option available to members across all 50 states in the US and around the globe. This health sharing ministry claims to be the “first and longest-serving health cost sharing ministry,” with more than $6 billion in medical bills shared.
CHM was founded in 1981 in Barberton, OH. The service is federally exempt from the individual mandate under the Affordable Care Act (ACA) and shares 100% of eligible medical bills.
CHM is not health insurance. Members of the health sharing ministry make voluntary contributions into a shared pool to pay each other’s medical bills. There are three programs for members to choose from, as well as an optional Brother’s Keeper program to protect against more significant medical bills.
Members who incur eligible medical costs can submit their medical bills and supporting documents, which are then shared or reimbursed.
CHM offers individuals three plans, each with its own pricing structure: Gold, Silver, and Bronze. These plans range in price from $78 to $172 per member per month, and each plan offers its own level of financial support for medical bills.
CHM also offers an additional “Brother’s Keeper” plan that helps with catastrophic medical bills that exceed the $125,000 limit per medical issue, as outlined in the CHM Guidelines brochure.
Members with pre-existing conditions may be eligible for health sharing through the Gold level sharing schedule, as outlined on page 39 of the Guidelines brochure.
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All three of CHM’s plans include inpatient or outpatient hospital visits and surgery. The Gold plan is the most comprehensive of the three plans and includes more services eligible for sharing. CHM asks members to negotiate directly with their providers for any available discounts, before submitting eligible costs to CHM for sharing.
Vision correction (such as eyeglasses, contact lenses, and eye exams) is not eligible for sharing under CHM. Further, dental care is also ineligible for healthcare sharing, with the exception of the repair of broken teeth from an eligible accident, and sleep apnea devices on the referral of a physician.
Incident-related prescriptions (not maintenance prescriptions) are eligible for sharing only under the Gold level plan. Prescriptions to help with chronic medical issues may be eligible for sharing only if a change in medication or dosage is warranted, and the member is part of a qualifying incident. After 90 days, the prescriptions will be considered maintenance medication, at which point they will no longer be eligible for sharing.
Check out the CHM Guidelines for more information on what’s covered and what isn’t.
Christian Healthcare Ministries Member Reviews
Christian Healthcare Ministries Summary
- Three different plans and pricing structures with additional “Brother’s Keeper” plan
- Vision not covered
- Most dental not covered
- Pre-existing prescriptions not covered
- Maintenance prescriptions not covered
- Average user rating among review sites