Christian Healthcare Ministries (CHM): The Basics

David and I have been blessed to be Christian Healthcare Ministries members for several years. Not only has it saved our family thousands of dollars, but we have enjoyed being informed about the needs of others that we can help with and pray for. Joining together with other believers to meet needs and lift up in prayer is a beautiful example of how the church was called to be… and I cannot recommend them highly enough. Please take a moment to learn how CHM could help your family– and seriously consider joining our family as Christian Healthcare Ministries members soon! (I promise you’ll be glad you did!) 

Why CHM Exists

Founded in 1981, CHM is the original health cost sharing ministry for Christians. CHM isn’t an insurance company. Rather, we’re a group of thousands of Christians across the United States and around the world who share each other’s burdens in the area of healthcare costs. We also pray for and encourage one another.

Our mission is to glorify God, show Christian love and experience God’s presence as Christians share each other’s medical bills. As president and CEO Rev. Dr. Howard Russell often says, “If we’re not glorifying God through service to our members, CHM has no reason to exist. Biblically-inspired love and service is the beating heart of the ministry.”

CHM is a 501(c)(3) nonprofit organization and a Better Business Bureau Accredited Charity. The ministry has shared over $3.5 billion in members’ medical bills.

Why CHM Works

We believe that the Holy Spirit influencing the hearts of members is the key to CHM’s success. A CHM member’s faithfulness and giving—combined with the monthly financial giving of hundreds of thousands of member families—is the framework that makes medical bill sharing possible. CHM sharing is based on a spiritual covenant, not a legal contract.

Furthermore, members agree to abide by the ministry’s Guidelines (chministries.org/guidelines) and staff authorize medical bills according to the Guidelines to act in fairness to every member. Members also actively seek medical bill discounts, which in 2017 accounted for 43 percent of all eligible bills sent to CHM.

Who We Serve

Every Christian who lives by biblical principles (defined in the Guidelines and the member application) and agrees to abide by the CHM Guidelines can join the ministry. There are no restrictions based on age, weight, geographic location or health history. (Some sharing limitations apply for pre-existing condition).

What Members Have to Say

I’m forever grateful that my CHM family shared my medical expenses totaling $83,671. Now instead of thinking that Christian Healthcare Ministries sounds too good to be true, I can testify that it’s “that good and that true!” I love to share my CHM testimony and carry information with me so I can talk about and recommend the ministry any time I get the opportunity.

—Cheryl Anderson | Hudson, WI

We’re so thankful to be a part of a ministry that shares other Christians’ healthcare bills. I am amazed at how healthcare prices can be negotiated, and I often wonder what we would have done without CHM when we gave birth to our second child. Making our monthly financial gift to the ministry is easy and painless when we think about how we’re helping other people.

—Derek and Melissa Cladek | Tarpon Springs, FL

The most important thing I can share about our CHM experience is that we never had to panic and there was no drama. Everything flowed smoothly. We didn’t have to worry about how the medical bills would be paid because Christian Healthcare Ministries was there for us.

—Donald & Tracey Kiesling | Brady, TX

Visit chministries.org/testimonials to read what other members have to say about CHM.

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