{"id":31,"date":"2023-06-07T15:15:04","date_gmt":"2023-06-07T15:15:04","guid":{"rendered":"https:\/\/chministries.org\/?page_id=31"},"modified":"2026-02-03T13:12:58","modified_gmt":"2026-02-03T18:12:58","slug":"faqs","status":"publish","type":"page","link":"https:\/\/chministries.org\/faqs\/","title":{"rendered":"FAQs"},"content":{"rendered":"\n
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Frequently Asked Questions<\/h1>\n<\/div>\n\n\n\n
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All of your questions answered<\/strong><\/h2>\n\n\n\n
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Review our most frequently asked questions below to learn more about how CHM works and the advantages of joining. <\/p>\n<\/div>\n\n\n\n

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If you still have questions, we’d love to chat! Drop us a note or call to speak <\/a>to a compassionate team member from CHM. <\/p>\n<\/div>\n<\/div>\n\n\n\n

How CHM works<\/h2>\n\n\n
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What does it mean when you say “share medical bills”? <\/div>

CHM is the original nonprofit health cost sharing ministry. Our biblical community of members in the United States and around the world “share<\/a>” (voluntarily pay) each other\u2019s eligible medical bills through monthly contributions.<\/p>\n

The powerful outcome is that members have taken care of over $13 billion in medical bills while keeping participation costs low.<\/p>\n<\/div><\/div>

What are the programs and cost to participate in CHM? How often is the cost raised?<\/div>

Christian Healthcare Ministries offers four programs: CHM Gold ($299 per unit, per month), CHM Silver ($169 per unit, per month), CHM Bronze ($115 per unit, per month), and SeniorShare\u2122 ($119 per unit, per month). CHM Plus is for catastrophic medical bills and is an optional (but highly recommended) add-on with a monthly cost of $42 per unit. For more information, visit our programs page<\/a>.<\/p>\n

While it’s impossible to predict our members’ future health, well-being, and medical costs, we keep our monthly contribution amounts as low as possible. We evaluate the cost of sharing medical bills regularly to make sure that CHM is taking care of our members in a timely manner. Our record shows that we are meeting this goal despite rising medical costs.<\/p>\n<\/div><\/div>

What kind of bills are eligible for sharing?<\/div>

The eligibility of any bill is ultimately determined by the CHM Guidelines<\/a> and the member’s program when the signs or symptoms began.<\/p>\n

CHM has a maximum lifetime limit of $125,000 for each illness (exception: congenital birth defects) that qualifies according to CHM Guidelines. For information about health cost support of up to $1 million per illness or more, see the Guidelines<\/a> about CHM Plus.<\/p>\n<\/div><\/div>

How does CHM work for families?<\/div>

Christian Healthcare Ministries (CHM) is perfect for growing families. We use a unit system. A unit<\/a> is a participating individual within a membership. A single person is one unit, a married couple is two units (any two individuals must be two units), and a family is three units, regardless of the number of dependent children. Each unit can participate in different programs.<\/p>\n

Single-parent households:<\/strong> If you are legally and financially responsible for a child or children, your membership will be in two units (the parent is the first unit, and all children are the second unit).<\/p>\n

Households with one participating spouse:<\/strong> If one spouse is a CHM member and the other spouse chooses not to be a member, the participating spouse is one CHM unit, and all dependent children are an additional unit (a total of two units).<\/p>\n

Adult children:<\/strong> Adult children can be a part of your membership until they are 26 as long as they meet all the qualifications required to remain a dependent. Please see the CHM Guidelines<\/a> for membership qualifications for adult children.<\/p>\n

Adopted children:<\/strong> When a CHM member adopts a child or otherwise has obtained legal custody with legal responsibility for a child’s medical care, that child can be included in their CHM membership. If any other source is responsible, willing, or available to pay the child’s medical bills, these resources must be exhausted before CHM members can share bills. CHM cannot share bills for adoption expenses or any medical expenses incurred before you become legally and financially responsible for the child, nor can we share any birth expenses for an adopted child.<\/p>\n<\/div><\/div>

What is a pre-existing condition? Are bills from my pre-existing condition eligible for sharing? <\/div>

At CHM, we define a pre-existing<\/a> condition as any medical condition for which you experience signs, symptoms, testing, or treatment before joining CHM, regardless of whether you have received a diagnosis. (Routine or maintenance medications are considered treatment.)<\/p>\n

For example, if you have a stent inserted for a heart condition, the stent is considered treatment, and your heart condition is pre-existing.<\/p>\n

CHM considers a condition no longer pre-existing if you have experienced one year without signs, symptoms, or treatment (including no maintenance medication) for that condition and your official medical records document it. In contrast, cancer is no longer pre-existing if, after your doctor has pronounced you cancer-free, you have gone five years without any signs, symptoms, testing, or treatment (other than routine, follow-up appointments).<\/p>\n

CHM shares eligible costs for maintained pre-existing conditions. For detailed information regarding pre-existing conditions, see the CHM Guidelines<\/a>.<\/p>\n<\/div><\/div>

How long does it take CHM to share my medical costs? <\/div>

In general, eligible medical bills are shared by CHM members in the order CHM receives them. The sharing “clock” starts on the date that our offices receive medical bills and all necessary forms. Most medical bills are shared in 60 – 75 days. However, this is not a guarantee. In rare instances, it can take longer if CHM is waiting on members or healthcare providers to submit necessary information.<\/p>\n

Medical bills must be submitted within six months from the date of service. The sooner CHM receives members’ medical bills, the sooner staff can put them in the queue for medical bill processing.<\/p>\n

We recommend not paying upfront for medical bills at the time of treatment. Members should ask medical providers to bill them directly and set up a payment plan as needed until CHM completes the sharing process. For more information, download the info pack<\/a>.<\/p>\n

If you have any questions as an existing member, take a look at our member resources<\/a>.<\/p>\n<\/div><\/div>

Do you have a prescription program? How does it work? <\/div>

Incident-related<\/a>\u00a0prescription costs (up to the first 90 days of treatment) are eligible for sharing for all CHM programs. Prescriptions used for maintenance treatment cannot be shared by CHM members. For more information about prescription sharing, please view the\u00a0CHM Guidelines<\/a>.<\/p>\n

We also offer access to prescription discount programs through our Prescription Care Solution, which is available to all members. For more information about special CHM offerings, visit CHM Care Solutions.<\/a><\/p>\n<\/div><\/div>

Do you have a maternity program?<\/div>

CHM offers maternity sharing<\/a> through Maternity Care Solution. CHM members share eligible maternity bills up to $125,000 (or an unlimited amount when also a member of CHM Plus) per pregnancy for prenatal care, delivery, home births, midwives, postnatal care, and birth complications.<\/p>\n

If a member joins CHM while pregnant, CHM cannot share bills for that pregnancy or any related complications. Members must have a due date for delivery at least 300 days after joining for bills to be eligible for sharing. Members can receive a $500 credit towards your maternity PR by calling CHM within the first sixteen weeks of pregnancy.<\/p>\n

For more information about special CHM offerings, visit CHM Care Solutions.<\/a><\/p>\n<\/div><\/div>

Do you offer a telemedicine service?<\/div>

Through CHM’s Virtual Care Solution, CHM members can connect with doctors through video visits.<\/p>\n

This service is included as a part of CHM membership, offering quick access to licensed physicians seven days a week. Members of any age from 1+ to seniors can participate and receive quality medical care\u2014even from the comfort of their own homes. If you have any questions as an existing member, learn more here<\/a>.<\/p>\n

For more information about special CHM offerings, visit CHM Care Solutions.<\/a><\/p>\n<\/div><\/div>\n<\/section>\n\n\n\n

Enrolling anytime<\/h2>\n\n\n
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When can I join CHM? Do I have to wait for open enrollment?<\/div>

With CHM, you can enroll anytime! Complete our online Speedy Enrollment form<\/a>, and your membership can begin immediately. However, please remember that medical expenses incurred from active pre-existing conditions are ineligible for sharing. See the CHM Guidelines<\/a> for more details about sharing programs for medical bills incurred from pre-existing conditions<\/a>.<\/p>\n<\/div><\/div>

Will my enrollment be turned down for any reason such as location, health, or for being on Medicaid?<\/div>

No one is excluded from participating in CHM based on age, health, or geographic location.<\/p>\n

Please note that Christian Healthcare Ministries cannot share bills for treating ineligible medical conditions (see the CHM Guidelines<\/a>).<\/p>\n

The qualifications for joining are simple: Participating adults must be Christians who attend worship regularly as health permits [Hebrews 10:25], actively follow the teachings of the New Testament in its entirety, and live a lifestyle consistent with the CHM Statements of Beliefs.<\/p>\n

CHM members must abstain from the following activity: use of any tobacco, nicotine, smoking device, or substitutionary smoking device (including but not limited to cigarettes, cigars, pipes, herbal cigarettes, e-cigarettes, vape pens, etc.); illegal use of drugs; and sexual immorality (as defined in the Scriptures and expressed in CHM’s Statements of Beliefs). Additionally, members must follow biblical principles concerning the use of alcohol.<\/p>\n

If you live outside of the U.S., you can still join CHM. However, please note that CHM members must have access to a U.S. mailing address or reliable internet service capable of receiving documents with confidential information. CHM cannot send funds outside the U.S.; CHM members must translate all bills submitted into English and convert their bills to U.S. dollars.<\/p>\n

Many members use CHM above and beyond their Medicare coverage. If you’re Medicare age or Medicare eligible, you must have parts A and B (or a Medicare Advantage Plan) to receive full sharing eligibility. For more information, click here<\/a>.<\/p>\n<\/div><\/div>\n<\/section>\n\n\n\n

Advantages of CHM<\/h2>\n\n\n
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Can I choose my own healthcare provider? <\/div>

With CHM, you have the flexibility to choose your healthcare provider. The CHM Guidelines<\/a> outline which medical expenses the CHM family takes care of.<\/p>\n

It is important to note that CHM cannot share bills concerning care from non-medical providers (chiropractors, psychologists, counselors, naturopaths, homeopaths, etc.) or any medical doctors practicing alternative, complementary, or functional treatment.<\/p>\n<\/div><\/div>

How does CHM support its members spiritually?<\/div>

We believe that spiritually supporting each other is as important as the financial support members receive. Our Prayers Unceasing program provides members the opportunity to put faith into action by strengthening brothers and sisters in Christ by lifting them in prayer and sending them cards, letters, or emails of encouragement.<\/p>\n

CHM staff also pray daily for members, especially those who have submitted prayer requests by mail, email, or phone. Many staff members are prayer warriors available to pray with you over the phone at your request.<\/p>\n<\/div><\/div>

What is the overall financial health of CHM?<\/div>

We have a very healthy ministry, which is proven by other third-party evaluations. Over $13 billion have been satisfied in medical bills since 1981. CHM’s administrative costs as a nonprofit are under 10%, which is low for our industry. Additionally, CHM earned a first-in-the-nation independent accreditation by Demotech in 30 areas of financial and operational standards and accountability<\/a>.<\/p>\n<\/div><\/div>

Can you be penalized for using CHM instead of health insurance?<\/div>

Since CHM qualifies as a religious exemption under the Affordable Care Act (ACA), CHM members aren\u2019t penalized; however, some states require additional documentation during tax season to confirm penalty exemptions. For details on how to report CHM membership on your federal and state taxes, click here<\/a>.<\/p>\n<\/div><\/div>

Are my monthly contributions tax deductible?<\/div>

Your monthly contribution required for membership is not tax deductible*; however, all extra giving over and above your minimum monthly contribution to Christian Healthcare Ministries (including CHM Give donations) qualifies as a charitable contribution for tax purposes. Christian Healthcare Ministries, Inc. is exempt from federal income tax under Section 501(c) (3) of the Internal Revenue Code.<\/p>\n

*Per Missouri and Indiana law, monthly contributions are tax deductible for members who are residents in these states.<\/p>\n<\/div><\/div>\n<\/section>\n<\/div>\n<\/div>\n\n\n\n

\"Father<\/figure>
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We’re here to
answer your questions.<\/strong><\/h2>\n\n\n\n

There are so many amazing advantages to joining the CHM family. If you’d like to explore on your own, simply download the Information Pack and reach out when you’re ready to join. If you still have questions, we’d love to chat! Drop us a note or call.<\/a><\/p>\n\n\n\n

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Download Info Pack<\/a><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

All of your questions answered Review our most frequently asked questions below to …<\/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-31","1":"page","2":"type-page","3":"status-publish","4":"format-standard","6":"entry"},"acf":[],"yoast_head":"\r\nFAQs - Christian Healthcare Ministries<\/title>\r\n<meta name=\"description\" content=\"Whether you're wondering what health cost sharing is or the programs we offer, see CHM's frequently asked question list. 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