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Christian Healthcare Ministries is a membership-based nonprofit organization through which hundreds of thousands of Christians voluntarily pay each others health care bills. Choose from three programs - Gold, Silver or Bronze - and add the optional Brothers Keeper program to protect yourself from catastrophic medical bills. Members who have eligible medical expenses according to our guidelines submit bills to CHM along with a few simple forms. The accounts are then split or returned - usually by post. For Maryland Residents Only: Learn more about CHM membership for Maryland residents here. Read more Your Incident Qualifying Amount (QA) is the amount each incident must meet (before discounts) to be shared. This amount does not change and applies to each event separately. Your Personal Liability (PR) is the amount each member must pay each year. This single amount can cover multiple incidents. For example: A Gold Member presents a matching $1,200 bill with a $300 discount. This would mean that the member pays the $900 difference and that person (or sub-unit) still has $100 left to cover the PR. Example of a Gold Program event: At the beginning of the year, you are being treated for gallbladder problems. Your bills total $7,500 and you get $2,500 in health professional discounts. After the $1,000 personal liability is paid, CHM will share $4,000 ($7,500 to $3,500), which is 100% of the cost after the personal liability is paid. In the middle of that year, you have several blood tests (for unrelated conditions) that cost $400. CHM does not provide any of these accounts because the total cost of the event is less than the qualifying amount of $1,000 per event. At the end of the year, you break your arm and it costs $2,500 to heal. CHM shares the full $2,500 because the incident total exceeds $1,000, you have paid your personal liability, and the treatment meets all other CHM guidelines. What should I know about the coronavirus? Testing and treatment for the coronavirus (COVID-19) is co-paid, as are the costs of any testing or treatment for an approved disease, along with personal liability amounts and matching amounts based on the members membership level. As with other health issues, liability amounts can be reduced with Bring a Friend credits. Want the latest on the coronavirus and its impact on CHM Medical Bill Sharing? Check out our coronavirus page here. How does the coronavirus affect CHM? Your medical bills (for coronavirus or other qualifying medical incidents) can and should be sent to CHM. We recommend doing so through the CHM member portal. CHM staff will process your medical bills as soon as possible. Complete information can be found on the CHM coronavirus page with regular updates andChristian Health Ministries is a non-profit, membership-based ministry through which hundreds of thousands of Christians volunteer to pay each others medical bills. Choose from three programs - Gold, Silver or Bronze - and add the optional Brothers Keeper program to protect you from catastrophic medical bills. Members who have incurred eligible medical expenses in accordance with our policies submit their accounts to CHM along with a few simple forms. The bills are then split or returned—usually by check in the mail. Maryland Residents Only: Find out more about Maryland CHM membership here. Learn more Your Qualifying Incident Amount (QA) is the amount each incident (before discounts) must add up to be split. This amount does not change and is applied to each incident separately. Your Personal Responsibility (PR) is the amount each member unit must pay each year. This single amount may apply to multiple incidents. Example: A Gold Member presents a valid $1,200 invoice with a $300 discount. This would mean that the participant pays the $900 difference and the person (or subordinate organization) still has $100 left to fulfill their PR. Gold Incident example: Earlier this year you were treated for gallbladder problems. Your bills total $7,500 and you receive $2,500 in healthcare provider rebate. After you pay your personal liability of $1,000, CHM will share $4,000 ($7,500-$3,500), 100% of the cost after payment of your personal liability. Some blood tests (for an unrelated disease) are done mid-year and cost $400. CHM does not use either of these accounts because the total incident cost is less than your qualifying incident amount of $1,000. At the end of the year, you will break your arm and the treatment will cost $2,500. CHM shares the entire $2,500 since the total incident is over $1,000, you have paid your personal responsibility, and the treatment is in accordance with all other CHM recommendations. What do I need to know about the coronavirus? Coronavirus (COVID-19) testing and treatment may be shared, as is the cost of testing or treating a confirmed illness, with personal liability and qualifying amounts dependent on member participation level. As with other health problems, Refer a Friend loans can reduce personal liability. Interested in the latest news on the coronavirus and how it affects CHM medical bill sharing? Check out our coronavirus page here. How is the coronavirus affecting CHM? Your medical bills (for coronavirus or other legitimate medical incidents) can and should be sent to CHM. We recommend that you do this through the CHM Member Portal. CHM staff will process your medical bills as quickly as possible. Full details are available on the CHM Coronavirus page, which is regularly updated and updated.

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