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The conclusion of our research to affordable, quality health "insurance": 
Christian Healthcare Ministries (CHM) A Christian non-profit organization

Christian HealthCare Ministries (or CHM) is the answer and conclusion in this research to affordable, quality health "insurance" (it's an insurance alternative) without a high deductible. They really have exceeded my expectations. Now that we are members over six years, we had a total of 8 claims. From pregnancy and birth of our son in 2016 to numerous ER visits and also some surgeries.

Every single bill we submitted for every claim, from A to Z was paid for to the penny. With the Gold plan we never ended up paying anything out of our own pocket (well we did, but got fully reimbursed). 

There are many other "Health Sharing" organizations these days. Many of them have no real reputation 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 organisation like Christian Healthcare Ministries.


 Why Christian Healthcare Ministries?

  • You can use any doctor, specialist, medical facility or Hospital

  • Low monthly cost (in the 5 year scenario mentioned earlier on this website, CHM is nearly $9K less expensive than Medi-Share)

  • The Gold level has $1,000 (PR - Personal Responsibility per year) for bills over $1,000 per medical event

     No more worries about a high deductible

  • Excellent Maternity program

  • No restrictions based on age, height, weight, or location

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

  • Talk to a US Licensed Doctor 24/7 online (telemedicine) at no additional charge

  • Incident related medicine included

  • Therapy and Home Healthcare included

  • Cataract surgery, Colonoscopy etc. included after PR

  • Skilled Nursing Facility Rehab (SNF) included

  • Congenital conditions included, see guidelines

  • Easy online claims

  • Spiritual support, all CHM members are like a church family. We pray and support each other

  • Excellent Customer Care

  • Works also if you already have Medicare (no need for an expensive secondary insurance)

  • Reliable not-for-profit organization since 1981

  • No Tax penalty! Christian Healthcare Ministries is exempted

ALSO: Christian Healthcare is very careful and wise how they spend your money! Medi-Share spends

a LOT of the members money (your money) on advertising -radio, online ads etc.

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