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

🚫 What Is Not Covered by Christian Healthcare Ministries (CHM)?

Like most health sharing ministries and commercial insurance plans, CHM has specific exclusions. Understanding these upfront helps you make an informed decision and avoid surprises.

 

❌ General Exclusions

• Any medical bills incurred before joining CHM

• Dental care, unless directly related to a covered medical event

• Routine doctor or specialist visits, unless part of a qualifying medical incident over $1,250 (after self-pay discount) (see also: What to do if I need to see a doctor?)

• Medical transportation (ambulance, ground or air), unless it’s a life-threatening emergency

• Prescription medications, unless tied to a qualifying medical event

​

 

🔍 See also: What to do when you need to see the doctor and What to do when you need medicines

 

 

❌ Additional Services Not Covered

Just like most traditional health insurance plans, CHM does not share costs for:

• Fertility treatments, gestational services, surrogacy, or sterilization procedures

• Routine dental, vision, or audiology care

• Cosmetic surgery or elective procedures

• Weight loss programs or bariatric surgery

• Chiropractic care and alternative medicine/treatments

 

​

💡 For optional dental and vision solutions, click here

✅ For pre-existing condition coverage details, click here

 

📖 What Is a “Medical Event” or “Incident” with CHM Christian Healthcare Ministries?

A medical event refers to a specific illness, injury, or condition that includes all related care—such as doctor visits, testing, procedures, and follow-ups. To qualify for sharing under CHM’s Gold Plan, the total cost of the event must exceed $1,250 after discounts.

​

📘 Want Full Clarity?

We strongly recommend reading the official CHM Guidelines to understand exactly what’s covered and what’s not. If you have questions, feel free tocontact us—we’re happy to help.

​​

​

💡Vision and Dental options: click here

​​

💡Pre-existing conditions covered! Click here

​​