Compare & Review Health Insurance Plans & Alternative Health Insurance options for 2026

Deductibles & Copays with Christian Healthcare Ministries (CHM)

CHM offers three main plans (plus SeniorShare), each with its own "deductible", called Personal Responsibility (PR). 

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💵 Personal Responsibility (PR)

This is your annual "deductible"

Gold Plan ----------- $ 1,250

Silver Plan ---------- $ 3,000

Bronze Plan -------- $ 6,000

SeniorShare Plan - $    500

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📋 Qualifying Amount (QA)

This is the minimum total cost of a medical event that must be met before submitting bills. It includes all related expenses—doctor visits, labs, procedures, and follow-ups.

Gold Plan ----------- $ 1,250

Silver Plan ---------- $ 3,000

Bronze Plan -------- $ 6,000

SeniorShare Plan - $    500

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✅ Note: For each plan, the QA and PR are the same amount.

 

 

🧾 Real-Life Example: Gold Plan

In January you visit your doctor, who orders a CT scan, ultrasound, lab work, and a follow-up.

• Total cost after discounts: $2,600

• QA is met, and PR is $1,250

• Reimbursement from CHM: $2,600 – $1,250 (PR) = $1,350

In July of that same year you have a colonoscopy with follow-up care.

• Total cost: $6,500

• Since you’ve already met your PR for the year, CHM reimburses the full $6,500

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In November of that same year you go for your annual exam and testing.

• Total cost: $1,250

• QA is met, and PR was already paid earlier in the year

• CHM reimburses the full $1,250

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🏆 Why Choose the Gold Plan?

Only the Gold Plan offers comprehensive coverage across a wide range of medical services. Silver and Bronze plans have more limited benefits and may not cover certain types of care.​​​