CHM Programs and Costs
At Christian Healthcare Ministries, you won’t get denied (or charged more) based on your medical conditions or history. CHM’s four main programs are CHM Gold, CHM Silver, CHM Bronze and CHM SeniorShare™—with options for adding extra programs (in case you want more sharing support).
CHM Gold Program
$255 per unit*, per month
Shares 100% of any eligible medical incident totaling $1,250 or more, up to $125,000 per illness.
Includes:
• Inpatient or outpatient hospital incidents and surgery
• Urgent care
• Independent lab work and radiology
• Maternity, $2,500 personal responsibility applies
• Physical therapy (up to 45 visits per injury or illness)
• Home healthcare (up to 45 visits per injury or illness)
• Incident-related doctor’s office visits
• Incident-related prescriptions (up to 90 days per incident)
• CHM Gold Schedule shares maintained pre-existing conditions
• Option to add CHM Gold + CHM Plus for unlimited sharing
CHM Silver Program
$148 per unit*, per month
Shares eligible medical expenses totaling $3,000 or more, up to $125,000 per illness.
Includes:
• Inpatient or outpatient hospital incidents and surgery
• Surgery done at facilities that meet accepted standards of medical care
• Option to add CHM Plus for extra sharing
• Maternity, $5,000 personal responsibility applies
Does not include:
• Testing and treatment outside of a hospital
• Urgent care facilities
CHM Bronze Program
$98 per unit*, per month
Shares eligible medical expenses totaling $6,000 or more, up to $125,000 per illness.
Includes:
• Inpatient or outpatient hospital incidents and surgery
• Surgery done at facilities that meet accepted standards of medical care
• Option to add CHM Plus for extra sharing
• Maternity, $9,000 personal responsibility applies
Does not include:
• Testing and treatment outside of a hospital
• Urgent care facilities
CHM SeniorShare™
$115 per unit*, per month
Shares eligible medical expenses totaling $500 or more, up to $125,000 per illness.
Includes:
• Inpatient or outpatient hospital incidents and surgery
• Urgent Care
• Independent labwork and radiology
• Physical therapy (up to 45 visits per injury or illness)
• Home healthcare (up to 45 visits per injury or illness)
• Incident-related doctor's office visits
• Incident-related prescriptions (up to 90 days per incident)
• Option to add CHM Plus for extra sharing.
CHM SeniorShare™ is available for individuals who are age 65 and older who have Medicare Parts A and B (or a Medicare Advantage Plan). It's best used as a compliment to Medicare.
With Christian Healthcare Ministries you pick the level of cost sharing that works for you and your family. But how do you figure out which program is right for you? And how much would it cost per month? Answer a few easy questions to find out.
*CHM Uses a Unit System.
Here’s how that works.
Different units within the same membership can all choose different programs (CHM Gold, CHM Silver, CHM Bronze, or CHM SeniorShare™).
Is CHM Right for You?
If any of the following apply, CHM might be the right fit for you and your family:
- You’re a Christian living by biblical principles.
- You need budget-friendly medical cost support.
- You want more maternity cost support.
- You want something to complement your Medicare.
- Your job doesn’t provide health cost support.
- You’re self-employed.
- You got denied by other forms of health cost support.
- You’re living abroad as a missionary.
- You need group health cost support for your nonprofit organization.
- You want to be part of a financial and spiritual support network.
CHM SeniorShare™
CHM SeniorShare™ is for members who have Medicare Part A and B or a Medicare Advantage Plan. Because even with Medicare—you can still end up with some pretty hefty medical bills. When you qualify, the cost of your CHM Gold program drops to $115 a month.
CHM Gold + CHM Plus
CHM Plus is your safeguard against those major illnesses or injuries that can come out of nowhere. For an additional $32 a month, you can add it to your CHM Gold program and receive unlimited cost-sharing support.
CHM Silver + CHM Plus
CHM Plus is your safeguard against those major illnesses or injuries that can come out of nowhere. For $32 more per month, you can add it to your CHM Silver program and get an extra $100,000 of sharing per year (up to $1 million per illness over the lifetime of the membership).
CHM Bronze + CHM Plus
CHM Plus is your safeguard against those major illnesses or injuries that can come out of nowhere. For $32 more a month, you can add it to your CHM Bronze program and get an extra $100,000 of sharing per year (up to $1 million per illness over the lifetime of the membership).
CHM SeniorShare™ + CHM Plus
CHM Plus is your safeguard against those major illnesses or injuries that can come out of nowhere. For an additional $32 a month, you can add it to your CHM SeniorShare™ program and receive unlimited cost-sharing support.