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The conclusion of our research to affordable, quality health 'insurance': 
  • Christian Healthcare Ministries - CHM's Gold Plan

Christian HealthCare Ministries Gold Plan is the answer and conclusion in this research to affordable, quality health "insurance" (it's an insurance alternative) without a high deductible.

 

Now that we are members for nearly nine years, we had a total of 11 claims, and not once have they let us down. From pregnancy and birth of our sons in 2016 and 2020, to numerous ER visits, hospitalizations and surgeries.

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Every single bill we submitted for every claim, from A to Z was paid for to the penny (2015 - 2021).

As of 2022 there is a $0 - $1,250 "deductible" (Personal Responsibility). 

Why Christian Healthcare Ministries - Gold Plan?

  • Use any doctor, specialist, medical facility or Hospital

  • Low monthly cost

    • ​(in the 5 year scenario mentioned earlier, CHM was nearly $9K less expensive than Medi-share)

  • Low deductible of $0 - $1,250 per year

    • $1,250 Personal Responsibility (PR) per year

  • Free Advantage Care Solution (ACS) Program

    • If you qualify for this program, a $1,250 credit will be applied towards your PR

    • May cover travel and lodging expenses

  • Excellent Maternity program

    • The best coverage from our research!​

    • Deductible for Maternity is $2,000 - $2,500

  • Save 1000's of dollars each year compared to commercial insurance

    • We did the research on numbers as well, see you YT videos​

  • No restrictions based on age, height, weight, or zip code

    • Every Gold member pays the same pricing!​

    • No extra fees

  • Pre-existing conditions are covered (see FAQ below)

  • FREE unlimited online doctors visits 24/7 ​​

  • Incident related medications included​​

  • Therapy and Home Healthcare included

  • Cataract surgery, Colonoscopy etc. included

    • After your personal responsibility has been met

  • Skilled Nursing Facility Rehab (SNF) included

  • Congenital conditions included, see guidelines

  • Easy online claim submission

  • Spiritual support, all CHM members are like a church family

  • Excellent Customer Care

  • Medicare members welcome (no need for an expensive secondary insurance)

  • Their small print is understandable and reasonable

  • Reliable non-profit organization since 1981

In the last years, many other "Health Sharing" organizations popped up. Many of them have no real reputation or financial stability, and are very "commercial". They are in it to make money and/or they are advertising on the radio/tv all the time (which you pay for in your monthly share/premium). There is nothing like an honest, non-profit Christian organization with a good reputation and a long history, like Christian Healthcare Ministries.

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