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The answer to our research: 
Christian Healthcare Ministries (CHM)
An amazing Christian non-profit organisation

Christian HealthCare Ministries (or CHM) is the answer in my research. They really have exceeded my expectations. Now that I am a member for two years, I had a total of 3 'claims'. We got a son, and I was in the ER 2 times due to kidney stones.

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The full pregnancy from A to Z -every single bill I claimed, during and after the pregnancy- was paid for, to the penny.

The same with my ER bill.

 

There are many other "Health Sharing" organisations these days. Many of them have no real reputation and are very "commercial", they are in it to make money. There is nothing like an honest, non-profit Christian organisation like CHM!

 

 Why Christian Healthcare Ministries?

  • You can use any doctor, specialist, medical facility or Hospital

  • Low monthly cost (in the 5 year scenario mentioned earlier on this website, CHM is nearly $9K less expensive than Medi-Share)

  • The Gold level has a maximum of $500 out-of-pocket expenses ("deductible") per year 

     No more worries about a high deductible

     The $500 out-of-pocket will be reduced or waived if you get over $500 discount from your provider

  • Excellent Maternity program

  • No restrictions based on age, height, weight, or location

  • Pre-existing conditions are covered as well (see guidelines)

  • Easy online claims

  • Spiritual support, all CHM members are like a church family. We pray and support each other

  • Excellent Customer Care

  • Works also if you already have Medicare (no need for an expensive secondary insurance)

  • Reliable not-for-profit organization since 1981

  • No Tax penalty! Christian Healthcare Ministries is exempted

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