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Welcome to our community of believers!

Please confirm your faith to begin.

I'M A CHRISTIAN
I'M NOT A CHRISTIAN

- Group Name
- Please enter your first name. First name
- Please enter your last name. Last name
- Mobile phone number. Mobile phone number
- Please enter your email address. Email address
- opt in to receive text notifications from CHM.
By checking this box, you agree to CHM's Mobile Terms of Use [more]
- opt in to receive promotional emails from CHM.
I agree to receive communications, news and updates from Christian Healthcare Ministries [more]

- Please enter a valid address. Address
- Please enter a valid stree address. Street
- Address 2
- Please enter a city. City
- Please enter a state. State
- Please enter the zip code. Zip code
- Please enter your date of birth. Date of birth
- Please enter the date to start your service. Start date This is the date your membership will start. Memberships with a start date of the 15th through the 31st will receive a half-month credit that they can apply to a future month.
- Check all who are joining.
- - Yourself
  - Spouse
  - Dependent(s)

- PARTICIPANT #1 (primary)
- Please enter a first name. First name
- Please enter a last name. Last name
- Date of birth. Date of birth
- Last 4 of SSN
- Participant is a dependent
  A dependent participant is defined as an under aged child or an unmarried, full-time student adult child under the age of 26.
- Gender
- MALE FEMALE
- Spouse mobile number. Spouse mobile number
- - I authorize my spouse to make membership changes.
- this dependent is unmarried. Children who are married should join under a separate membership for their immediate family.
  
  this dependent is a full time student. Adult, dependent children should be enrolled as a full-time student. For at least 5 months out of the year.
- Children who are married should join under a separate membership for their immediate family.
- Adult, dependent children should be enrolled as a full-time student for at least 5 months out of the year.
- This dependents 26th birthday is near.
- Dependent children must be younger than 26 years.

You have pending enteries with this dependent

- Select program
  Click here to view CHM's programs of participation
- - Select program
- - Select dependent

none Arthritis Asthma Back Pain Bunions Cancer Carpal Tunnel Cataracts Congenital Conditions Crohn’s Disease Diabetes Epilepsy Glaucoma Heart Conditions High Blood Pressure High Cholesterol Irritable bowel syndrome (IBS) Kidney Disorders Menorrhagia Neck Pain Skin Disorders Thyroid Issues

Review

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Total Monthly Contribution

Each month, members send funds to help pay for the eligible medical bills of their fellow members.

Payment method
ACH DEBIT

CREDIT CARD

Skip Payment

- Please enter a valid card number. Credit card number
- Expire date Expire date
- Security code. CVV
  Security Code / CVC
- Please enter card holder name. Name on card
- Please enter the billing address. Billing address
- Please enter street address. Street
- Address 2
- Please enter the city. City
- State. State
- Zip code. Zip Code

- Please enter the name on the account. Name on account
- Account type. Account type
- CHECKING
  
  SAVINGS
- Account use. Use type
- PERSONAL
  
  BUSINESS
- Account number. Account number
- Please confirm. Confirm account number
- Routing number. Routing number
- Please confirm. Confirm routing number

Savings Notice

Due to vendor fees associated with credit card transactions, we encourage you to use automatic bank withdrawal so that more funds can be used to help you and fellow members with medical bills. These savings help keep monthly contributions affordable.

Checklist of Understanding

Thank you for becoming a part of Christian Healthcare Ministries (CHM). Your participation is a testament to the love Christians have for each other. Many U.S. states legally require completion of the document below in order for CHM to share your medical bills. It's important that you fully understand that Christian Healthcare Ministries is a group of Christians who voluntarily assist each other with medical costs in accordance with the CHM Guidelines (CHM Guidelines). CHM is a health cost sharing ministry, not insurance, and carries out the command of Galatians 6:2 by meeting one anothers medical costs.

Christian Healthcare Ministries (CHM) is a healthcare sharing ministry; therefore, I understand that CHM is:

… a ministry available to share (pay) members’ healthcare costs while upholding Christian beliefs
… described in the national healthcare law as an acceptable option to meet the law’s individual mandate for health cost coverage
… not insurance, not approved or endorsed by the Department of Insurance in my state, and that medical incidents or losses are not protected by the state guaranty fund.

My monthly contribution to Christian Healthcare Ministries enables CHM to help me in the following ways:

… to keep on file information concerning my participation or my family’s participation
… to receive medical bills and prepare them for consideration for sharing through the audited Member Sharing Account (member-to-member for Maryland members)
… to share medical expenses found to be eligible under the CHM Guidelines
… to send me CHM’s monthly Heartfelt Magazine each month (a publication/newsletter that provides ministry updates, helpful information, CHM member testimonials, communications regarding legislation and regulations that may impact my membership, the referral program, and other important program-related information.

As a member of this healthcare sharing ministry, I acknowledge that:

… members must be active participants in the Body of Christ according to Hebrews 10:25 and continuously meet the qualifications set forth in the CHM Guidelines, including agreement with the CHM Statement of Beliefs (CHM Guidelines)
… I have read and will continuously live according to the Statements of Beliefs or will otherwise be ineligible to participate
… participants desire to share the medical costs of others and have their own healthcare expenses shared in a manner based on Scripture, particularly:
- "Carry each other's burdens, and in this way you will fulfill the law of Christ." [Galatians 6:2]
- "Let us do good unto those who are of the household of faith." [Galatians 6:10]
- "… and distribution was made unto every man according to his need." [Acts 4:35]
… my participation, and that of all CHM members, is voluntary
… all members are self-pay patients who retain full responsibility for their own healthcare costs and no guarantee is ever given to those who participate
… participants choose to meet each other’s healthcare costs in accordance with the CHM Guidelines, though they are not bound by a contract to do so
… it’s my responsibility to read the CHM Guidelines and regularly review updates to CHM’s Guidelines
… part of monthly contributions (for non-Maryland members) goes toward a minimal administrative expense to operate CHM programs
… members send money to help one another out of a desire to share one another’s burdens, and it would be an abuse of their trust and will render me ineligible for CHM membership if I use money I receive to share medical bills for any purpose other than payment of those bills
… I am the individual listed above, I am not completing this application on behalf of anyone besides me and my immediate family, and it is unlawful for an insurance agent or any other entity to "sell" CHM or bundle it with insurance products.

Christian Healthcare Ministries (CHM) is a healthcare sharing ministry; therefore, I understand that CHM is:

… a ministry available to share (pay) members’ healthcare costs while upholding Christian beliefs
… described in the national healthcare law as an acceptable option to meet the law’s individual mandate for health cost coverage
… not insurance, not approved or endorsed by the Department of Insurance in my state, and that medical incidents or losses are not protected by the state guaranty fund.

My monthly contribution to Christian Healthcare Ministries enables CHM to help me in the following ways:

… to keep on file information concerning my participation or my family’s participation
… to receive medical bills and prepare them for consideration for sharing through the audited Member Sharing Account (member-to-member for Maryland members)
… to share medical expenses found to be eligible under the CHM Guidelines
… to send me CHM’s monthly Heartfelt Magazine each month (a publication/newsletter that provides ministry updates, helpful information, CHM member testimonials, communications regarding legislation and regulations that may impact my membership, the referral program, and other important program-related information.

As a member of this healthcare sharing ministry, I acknowledge that:

… members must be active participants in the Body of Christ according to Hebrews 10:25 and continuously meet the qualifications set forth in the CHM Guidelines, including agreement with the CHM Statement of Beliefs
… I have read and will continuously live according to the Statements of Beliefs or will otherwise be ineligible to participate
…participants desire to share the medical costs of others and have their own healthcare expenses shared in a manner based on Scripture, particularly:
- "Carry each other's burdens, and in this way you will fulfill the law of Christ." [Galatians 6:2]
- "Let us do good unto those who are of the household of faith." [Galatians 6:10]
- "… and distribution was made unto every man according to his need." [Acts 4:35]
… my participation, and that of all CHM members, is voluntary
… all members are self-pay patients who retain full responsibility for their own healthcare costs and no guarantee is ever given to those who participate
… participants choose to meet each other’s healthcare costs in accordance with the CHM Guidelines, though they are not bound by a contract to do so
… it’s my responsibility to read the CHM Guidelines and regularly review updates to CHM’s Guidelines
… members send money to help one another out of a desire to share one another’s burdens, and it would be an abuse of their trust and will render me ineligible for CHM membership if I use money I receive to share medical bills for any purpose other than payment of those bills
… I am the individual listed above, I am not completing this application on behalf of anyone besides me and my immediate family, and it is unlawful for an insurance agent or any other entity to "sell" CHM or bundle it with insurance products.

To be a CHM member and to have medical bills shared with other members, participants must:

- agree to this Checklist of Understanding
- attend worship regulary as health permits
- follow the teachings of the New Testament in its entirety
- acknowledge I must have Medicare Parts A & B to receive full sharing eligibility age 65 and older.
Please scroll to the bottom, reading the checklist.

Legal Notices

Christian Healthcare Ministries includes legal notices as a result of discussions with several state regulators and as a part of an effort to make sure that members understand that Christian Healthcare Ministries is not an insurance company and that it does not guarantee payment of medical costs. Our role is to enable Christians to help fellow Christians through voluntary financial gifts. Since 1981, CHM members have faithfully provided for one another in accordance with and as demonstrated in Scripture. Members have shared billions to meet each other’s medical costs. See further legal notices here".
This is not an insurance policy. It is a voluntary program that is neither approved, endorsed nor regulated by your state’s department of insurance and the program is not guaranteed under your state’s Life and Health (or Disability) Insurance Guaranty Association or similar organization.

Christian Healthcare Ministries includes legal notices as a result of discussions with several state regulators and as a part of an effort to make sure that members understand that Christian Healthcare Ministries is not aninsurance company and that it does not guarantee payment of medical costs. Our role is to enable Christians to help fellow Christians through voluntary financial gifts. Since 1981, CHM members have faithfully provided for one another in accordance with and as demonstrated in Scripture. Members have shared billions to meet each other’s medical costs. See further legal notices here".
This is not an insurance policy. It is a voluntary program that is neither approved, endorsed nor regulated by your state’s department of insurance and the program is not guaranteed under your state’s Life and Health (or Disability) Insurance Guaranty Association or similar organization.
NOTICE: Under the laws of your state, Christian Healthcare Ministries, in facilitating the sharing of medical expenses, is not an insurance company and does not use insurance agents or pay commissions to insurance agents. Whether anyone chooses to assist you with your medical bills will be totally voluntary because neither this ministry nor any other participant may be compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. The ministry's guidelines : (CHM Guidelines), plan of operation and other documents are not an insurance policy or a promise to pay for the financial or medical needs of a participant by the ministry. It is not offered through an insurance company, it is not subject to the regulatory requirements or consumer protections of your state’s insurance laws, and if you join this ministry instead of purchasing health insurance you will be considered uninsured. This program is not guaranteed under your state’s Life and Health (or Disability) Insurance Guaranty Association or similar organization. Without health care insurance, there is no guarantee that you, a fellow member, or any other person who is a party to this ministry will be protected in the event of illness or emergency. Regardless of whether you receive any payment for medical expenses or whether Christian Healthcare Ministries terminates, withdraws from faith-based sharing of medical expenses, or continues to operate, you are always personally responsible for the payment of your own medical bills. If your participation in this ministry ends, state law may subject you to a waiting period before you are able to apply for health insurance coverage. You should review this ministry's guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs. Complaints concerning Christian Healthcare Ministries may be reported to the office of your state’s attorney general.

Christian Healthcare Ministries includes legal notices as a result of discussions with several state regulators and as a part of an effort to make sure that members understand that Christian Healthcare Ministries is not an insurance company and that it does not guarantee payment of medical costs. Our role is to enable Christians to help fellow Christians through voluntary financial gifts. Since 1981, CHM members have faithfully provided for one another in accordance with and as demonstrated in Scripture. Members have shared billions to meet each other’s medical costs. See further legal notices here".
This is not an insurance policy. It is a voluntary program that is neither approved, endorsed nor regulated by your state’s department of insurance and the program is not guaranteed under your state’s Life and Health (or Disability) Insurance Guaranty Association or similar organization.
NOTICE: This publication is not issued by an insurance company nor is it offered through an insurance company. It does not guarantee or promise that your medical bills will be published or assigned to others for payment. No other subscriber will be compelled to contribute toward the cost of your medical bills. Therefore, this publication should never be considered a substitute for an insurance policy. This activity is not regulated by the State Insurance Administration, and your liabilities are not covered by the Life and Health Guaranty Fund. Whether or not you receive any payments for medical expenses and whether or not this entity continues to operate, you are always liable for any unpaid bill.

Christian Healthcare Ministries includes legal notices as a result of discussions with several state regulators and as a part of an effort to make sure that members understand that Christian Healthcare Ministries is not an insurance company and that it does not guarantee payment of medical costs. Our role is to enable Christians to help fellow Christians through voluntary financial gifts. Since 1981, CHM members have faithfully provided for one another in accordance with and as demonstrated in Scripture. Members have shared billions to meet each other’s medical costs. See further legal notices here".
This is not an insurance policy. It is a voluntary program that is neither approved, endorsed nor regulated by your state’s department of insurance and the program is not guaranteed under your state’s Life and Health (or Disability) Insurance Guaranty Association or similar organization.
NOTICE: This publication is not an insurance company nor is it offered through an insurance company. This publication does not guarantee or promise that your medical bills will be published or assigned to others for payment. Whether anyone chooses to pay your medical bills will be totally voluntary. As such, this publication should never be considered a substitute for insurance. Whether you receive any payments for medical expenses and whether or not this publication continues to operate, you are always liable for any unpaid bills.

- I have read and acknowledge the above Legal Notices.
- I understand I must give CHM a 30-day notice to remove any individual members or to cancel any portion of my membership.
Please scroll to the bottom, reading the legal notices.

Welcome to the CHM family!

Were you referred by a CHM member?
YES NO
- Referral phone? Please provide the cell number of the individual who referred you to CHM.
- How did you hear about CHM?
- - Select
- Why did you choose CHM?
- Gap in employment insurance Secondary to insurance Self employed Faith community / Referral Affordable Catastrophic support CHM’s maternity program Leaving a previous Cost Sharing Program

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"Bear one another's burdens and so fullfill the law of Christ'"
Galatians 6:2

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CHM is for Christians

Christian Healthcare Ministries is exclusively for Christians living by New Testament principles, in accordance with CHM’s Guidelines.

We believe that having a personal relationship with Jesus will be the best decision you will ever make. Here’s how you can become a Christian:

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