{"id":25,"date":"2023-06-07T15:13:47","date_gmt":"2023-06-07T15:13:47","guid":{"rendered":"https:\/\/chministries.org\/?page_id=25"},"modified":"2025-11-11T08:22:30","modified_gmt":"2025-11-11T13:22:30","slug":"how-it-works","status":"publish","type":"page","link":"https:\/\/chministries.org\/how-it-works\/","title":{"rendered":"How it Works"},"content":{"rendered":"\n<div class=\"wp-block-cover is-light shadow\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-0 has-background-dim\"><\/span><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"457\" class=\"wp-block-cover__image-background wp-image-2903\" alt=\"\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/08\/HowItWorksHero2.webp\" style=\"object-position:65% 52%\" data-object-fit=\"cover\" data-object-position=\"65% 52%\" srcset=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/08\/HowItWorksHero2.webp 1600w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/08\/HowItWorksHero2-300x86.webp 300w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/08\/HowItWorksHero2-1024x292.webp 1024w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/08\/HowItWorksHero2-768x219.webp 768w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/08\/HowItWorksHero2-1536x439.webp 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-content-justification-center is-layout-constrained wp-block-column-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-constrained wp-block-column-is-layout-constrained\">\n<h1 class=\"wp-block-heading\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">A biblical covenant,<br><strong class=\"underline\">not a contract<\/strong><\/h1>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chministries.org\/how-it-works\/scenarios\/\">SEE HOW IT WORKS<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-constrained wp-block-column-is-layout-constrained\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-constrained wp-block-column-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">How it works<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-constrained wp-container-core-column-is-layout-0747478d wp-block-column-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p>CHM is a faith-based alternative to health insurance. It\u2019s a membership-based, nonprofit ministry. As part of a biblical covenant, CHM members step in and help fellow brothers and sisters in Christ pay eligible medical bills according to the CHM <a href=\"https:\/\/chministries.org\/chm-guidelines\/\">Guidelines<\/a>.<\/p>\n\n\n\n<p>Choose from one of four&nbsp;<a href=\"https:\/\/chministries.org\/programs\/\">programs<\/a>\u2014CHM Gold, CHM Silver, CHM Bronze, or CHM SeniorShare\u2122\u2014and add <a href=\"https:\/\/chministries.org\/chm-plus\/\">CHM Plus<\/a> as an option to protect against catastrophic medical bills.<\/p>\n\n\n\n<p><em>For Maryland residents only: Learn additional information regarding&nbsp;CHM membership for Maryland residents <a href=\"https:\/\/chministries.org\/news\/chm-membership-for-maryland-residents\/\">here<\/a>.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-constrained wp-block-column-is-layout-constrained\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\" style=\"margin-right:var(--wp--preset--spacing--60);margin-left:var(--wp--preset--spacing--60)\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Christian Healthcare Ministries Explained | How It Works and More! #healthcare #christian\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/7qLsFeho7vE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-constrained wp-block-column-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">Flexible healthcare that <strong><strong><strong class=\"underline\">meets you where you are.<\/strong><\/strong><\/strong><\/h2>\n\n\n<div class=\"chm-block-icon-grid has-text-align-center wp-block-acf-icon-grid\" id=\"block_7ae0ea7c20f7fb2ace94c686c58c18d4\" >\r\n\r\n  <div class=\"items-container \">\r\n    <div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_Provider_RGB-1.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#cc0033\">Step 1<\/div><div class=\"description\">Choose your healthcare provider with freedom to choose quality care\u2014no network!<\/div><\/div><div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_Bills_RGB.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#cc0033\">Step 2<\/div><div class=\"description\">Submit eligible bills by answering a few simple questions on the Member Portal and uploading your medical bills. <\/div><\/div><div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_Reimbursement_RGB.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#cc0033\">Step 3<\/div><div class=\"description\">Receive your funds. Your CHM family takes care of your eligible medical bills. It\u2019s that easy!<\/div><\/div>  <\/div>\r\n\r\n<\/div>\r\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-bb659de6 wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chministries.org\/how-it-works\/scenarios\/\">EXPLORE COST SHARING<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-media-text alignwide has-media-on-the-right is-stacked-on-mobile\"><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\">Join today with <strong><strong><strong class=\"underline\">anytime enrollment.<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p>You can join CHM by completing our\u00a0<a href=\"https:\/\/join.chministries.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">secure Speedy Enrollment form<\/a>. CHM has no waiting period, so your start date can be as soon as the same day you complete the form. Click\u00a0<a href=\"https:\/\/chministries.org\/glossary\/#pre-existing-condition\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>\u00a0to learn about our pre-existing conditions policy.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/join.chministries.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Join NOW<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"695\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/06\/CHM_PhotographyStyle_Nostalgia-1024x695.webp\" alt=\"Women researching on tablet\" class=\"wp-image-1456 size-full\" srcset=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/06\/CHM_PhotographyStyle_Nostalgia-1024x695.webp 1024w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/06\/CHM_PhotographyStyle_Nostalgia-300x204.webp 300w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/06\/CHM_PhotographyStyle_Nostalgia-768x521.webp 768w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/06\/CHM_PhotographyStyle_Nostalgia.webp 1296w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-center\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--90);padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2024\/10\/Roasting-marshmellows_R5C_7134.jpg\" alt=\"\" class=\"wp-image-5935 size-full\"\/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:2rem\"> <strong class=\"underline\">CHM<\/strong> values<\/h2>\n\n\n\n<p class=\"is-style-myriad-title has-primary-color has-text-color\">A BIBLICAL Option<\/p>\n\n\n\n<p>Stewardship in the Bible means acting with integrity, which is one reason we have sought and earned independent accreditation. As stewards of our members&#8217; financial resources, our faith-driven programs are uniquely cost-effective.<\/p>\n\n\n\n<p>Guided by our values of respect, service, accountability, excellence, and gratitude, we prioritize faith in all we do. Compare health insurance plans or other healthcare options to CHM\u2019s programs and discover your potential savings!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chministries.org\/health-insurance-comparison\" target=\"_blank\" rel=\"noreferrer noopener\">calculate your savings<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n<div style=\"margin-bottom:30px;\" class=\"chm-block-testimonial is-style-bg-bottom-pattern initial align wp-block-acf-testimonial has-background has-secondary-background-color\" id=\"block_ab2ec89aedba066b60916c0a01c5b68d\" >\r\n\r\n  <div class=\"container\">\r\n\r\n    <div class=\"quote\">&#8220;I&#8217;ve been a member for 5 years. I&#8217;m impressed how helpful the people are and how easy it is to submit bills online. I couldn&#8217;t be happier with being a member. I love CHM.&#8221;<\/div><div class=\"author\">\u2013 Peggy P., Dallas, TX<\/div>\r\n  <\/div>\r\n\r\n<\/div>\r\n\n\n\n<div class=\"wp-block-media-text alignwide has-media-on-the-right is-stacked-on-mobile is-vertically-aligned-center\" style=\"margin-top:4rem;margin-bottom:6rem;padding-top:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50)\"><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\">What happens <strong>after <\/strong>joining?<\/h2>\n\n\n\n<p>You\u2019ll officially be part of the CHM family, working alongside your fellow believers to alleviate the burden of eligible medical bills. Essential membership items will be sent within two to three weeks after your enrollment, and you\u2019ll gain access to the Member Portal!<\/p>\n\n\n\n<p>CHM is different by design. As a new member, you\u2019ll experience freedom, flexibility, and faith in healthcare. To explore all the benefits of joining, download your free Information Pack.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chministries.org\/info-pack\/\">Download Info Pack<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2024\/10\/waesydtu-1024x675.jpg\" alt=\"\" class=\"wp-image-5954 size-full\"\/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-center\" style=\"margin-top:4rem;margin-bottom:6rem\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"680\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/faqs-1024x680.webp\" alt=\"\" class=\"wp-image-1909 size-full\" srcset=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/faqs-1024x680.webp 1024w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/faqs-300x199.webp 300w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/faqs-768x510.webp 768w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/faqs-1536x1020.webp 1536w, https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/faqs.webp 1799w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\">Your questions <strong>answered<\/strong><\/h2>\n\n\n\n<p>We&#8217;ve gathered some of our most commonly asked questions about CHM and joining our biblical community.<\/p>\n\n\n\n<p>If you have more questions about how we work, the cost sharing process, or the advantages that CHM offers you, explore our frequently asked questions. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chministries.org\/faqs\/\">Explore FAQs<\/a><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>How it works CHM is a faith-based alternative to health insurance. It\u2019s a &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":{"0":"post-25","1":"page","2":"type-page","3":"status-publish","4":"format-standard","6":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>What is Cost Sharing | Christian Healthcare Ministries<\/title>\r\n<meta name=\"description\" content=\"Discover the benefits of medical cost sharing with CHM. 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