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

🩺 Doctor Visits with Christian Healthcare Ministries (CHM)

 

✅ Routine & Wellness Visits

Gold Plan Members Routine doctor visits are eligible for reimbursement if they are part of a medical event totaling $1,250 or more (after self-pay discounts). For example:

• Initial visit + lab work + imaging + follow-up

• If combined bills exceed $1,250, you can submit them to CHM

• You’ll be reimbursed the full amount after your $1,250 Personal Responsibility (PR) is met

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💡 See below for tips on how to afford a doctors visit

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💡 How to Afford Doctor Visits Under $1,250

If your bills don’t meet the $1,250 threshold, here’s a smart strategy:

• CHM Gold Plan costs $255/month per person

• Traditional insurance averages $550+/month per person (source: ValuePenguin.com)

• That’s a $295/month savings

• Set aside part of that savings in a health savings account to cover occasional doctor visits

Most people only visit the doctor 2–3 times per year, making this strategy highly effective.

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Silver & Bronze Members Routine or wellness visits are not covered unless part of a qualifying medical event:

• Silver: $3,000 minimum

• Bronze: $6,000 minimum

 

🆓 Free Telemedicine for All Members

CHM includes unlimited 24/7 telemedicine visits for all members—Gold, Silver, Bronze, and SeniorShare.

• No copay

• Talk to licensed U.S. doctors via phone or video

• Perfect for non-emergency care, prescriptions, and quick consultations

 

📲Click here for more info about Telemedicine visits

 

🆕 New for 2025: $0 Copay Virtual Primary Care Physician (PCP)

Starting January 1, 2025, CHM members can choose a virtual PCP who will:

• Track your health history

• Prescribe medications and refills

• Provide continuity of care

• Act like a traditional family doctor—virtually and at no cost

This is not the same as a one-time telemedicine visit. It’s a dedicated virtual doctor who manages your care long-term.

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🏥 At the Doctor’s Office: Use Self-Pay Discounts

When scheduling or checking in:

• Tell the office you are a self-pay patient

• Most providers offer significant discounts for self-pay

• They avoid insurance paperwork and get paid faster

• Many offices already have self-pay pricing policies in place

 

🔍 Related Questions & Resources

• What is a medical event?

• What is telemedicine?

• What does “self-pay” mean?

• Frequently Asked Questions

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$1,250?! So how can I afford to go to the doctor? < Click for more info!

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Gold Members:

Regular doctors visits (routine/wellness) with the GOLD plan are covered if your total bills for a medical event add up to be $1,250 or more. 

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Say you to to the doctor and he orders blood work, a test and a follow up. These bills can easily add up to be $1,250 or more. If they do then you can submit your bills to CHM for reimbursement. You do have a PR - Personal Responsibility of $1,250 per year and the minimum amount of all bills together for the one medical event have to be over $1,250 for the Gold plan. See examples here

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If you go to the doctor and your total bills (before discount) are less than $1,250 after self-pay discount then you can not submit your claim to CHM for reimbursement. You do have access to free Tele-Medicine (online doctors visits). For more info continue to read below.

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Silver / Bronze plan members:

Wellness/ Routine visits are not eligible for reimbursement unless they are related to a medical event/incident.

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Free Tele-Medicine for all members

Telemedicine visits (talk to a licensed US doctor via phone/video chat) are covered, 24/7 for all CHM members at no additional charge. Scroll down for more information.

 

 

 

 

 

 

 

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So how can I afford to see a doctor or a specialist if my bills are less than $1,250 or if I have the Silver/Bronze plan?

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With 'regular' insurance, on average people pay about $35 copay.

Also the average person pays $550 on health insurance premium, per person, per month (source: ValuePenguin.com). 

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With the Gold plan you pay $255 'premium' per person, per month

• You save approx. $295 from the national average, per person, per month.

• Put this $295 (or at least a portion of that amount) in a savings account every month and it will be easy to pay any doctor's bill when you need it.

• How often do you go to your doctor? Twice, three times a year?

• Primary Care Physician is now covered (as of 1/1/25) at $0 co-pay. Even though this is virtual (a free app via your cell phone), you can choose your PCP from their network and it will provide the same services as a real PCP.

• If the doctors visit requires lab work, testing, a follow up (etc. etc.), and the total bills for this medical event add up to be $1,250 or more, then you can submit all your bills to CHM. You will have a $1,250 yearly deductible and CHM will reimburse you the difference (with the Gold plan). If you already have met your PR/deductible then you will get reimbursed in full (however you can not submit a medical event until your total bills ad up to be $1,250 or more). 

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At the doctor's office:

• At the time of check-in and making the appointment, explain that you are "self-pay"

• Most doctors offices have significant reduced fees for self-pay patients as their billing department don't have to file (and deal with insurance) a claim and wait for their money. Doctors offices love self-pay patients and most of them have a self-pay discount policy in place.

• Use the "health savings account" technique -as described above to pay for doctor visits.

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Questions (click to learn more):

What is a medical event? 

What is telemedicine?

What do you mean, "Self Pay"?

Frequently Asked Questions

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