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✅ Will CHM Really Pay for My Medical Bills?

Yes—absolutely. We’re long-time members ourselves (10+ years), and we created this site to share how truly life-changing Christian Healthcare Ministries (CHM) has been for our family. We’re not paid by CHM and have no formal affiliation—just real experience and gratitude.

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Over the past nine years, we’ve submitted numerous claims through the Gold Plan—from ER visits and kidney stone treatments to the births of our children in 2016 and 2020 and an ER visit which turned out into a hospital admission for 4 days. Every single bill was paid in full, down to the penny (as I've met my Personal Responsibility earlier this year)...

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🧾 How It Works

CHM is a faith-based health cost sharing ministry, not insurance. Members contribute a monthly share, and those funds are used to reimburse medical bills that meet CHM’s clear and reasonable guidelines.

To qualify, you must:

• Be a Christian

• Attend church regularly

• Maintain a faithful marriage

• Avoid smoking and limit alcohol use

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📖 We’ve read every word of CHM’s guidelines—and from a Christian perspective, they’re fair, transparent, and easy to follow.

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💡 Coverage Thresholds by Plan

Gold-----PR $1,250--QA $1,250

Silver----PR $3,000--QA $3,000

Bronze--PR $6,000--QA $6,000

These thresholds apply after any self-pay discounts from your provider.

With the Gold Plan, bills under $1,250 aren’t reimbursed—but they can be submitted to reduce your deductible. Once your PR is met, any qualifying medical event over $1,250 is reimbursed 100%.

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💬 Our Personal Experience

• Every claim we’ve submitted since 2015 was fully reimbursed

• Starting in 2023, CHM introduced a $1,250 PR (Personal Responsibility) for the Gold Plan—but it can be reduced to $0 in several ways (which we explain in the FAQ section).

• Starting in 2025, we’ll have a $1,250 PR annually—but even then, no insurance offers this level of coverage at such a low cost

We’ve occasionally set up payment plans with providers while waiting for reimbursement. For ER visits, CHM typically reimbursed us within 60–90 days. For maternity claims, it seem to take a bit longer (this was in 2016 and 2020) —but they always came through.​