Christian Healthcare Ministries (CHM) is a faith-based, non-profit organization that provides a healthcare cost-sharing program for individuals and families who adhere to Christian beliefs. It operates as a health cost-sharing ministry rather than a traditional health insurance company. Members of CHM share each other's medical expenses, helping to cover the costs of eligible healthcare needs.
Here's how CHM typically works:
1. Membership: Individuals and families become members of CHM by paying a monthly "sharing" amount. This amount varies depending on the membership level (individual, couple, family).
2. Eligible Medical Costs: CHM members share the cost of eligible medical expenses, which may include doctor's visits, hospital stays, surgeries, and other healthcare services. Some elective and pre-existing conditions may have limitations.
3. Sharing Process: When a member incurs a qualifying medical expense, they submit the bills to CHM. These bills are then reviewed and shared among other members based on a predetermined sharing schedule.
4. Monthly Sharing: Members are responsible for paying their own medical bills upfront, and then other CHM members contribute to the cost through their monthly sharing amounts.
5. Direct Payments: Once a member's eligible medical expenses reach a certain threshold, other members start sharing in the costs. CHM directly sends payments to the healthcare providers or the member to reimburse the expenses.
It's important to note that CHM is not insurance, and it doesn't guarantee payment or provide the same level of regulatory oversight and protection as traditional health insurance. Members must meet certain requirements and adhere to specific guidelines, including living a Christian lifestyle, attending church regularly, and not using tobacco or illegal drugs. CHM also has restrictions on pre-existing conditions and certain medical treatments.
Christian Healthcare Ministries is one of several Christian health cost-sharing ministries available in the United States, and it is an option for those seeking an alternative to traditional health insurance while aligning with their Christian faith. However, individuals interested in joining such a program should carefully review the terms and requirements to ensure it meets their healthcare needs and beliefs.
