The answer to our research: 
Christian Healthcare Ministries (CHM), A 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 over three years, I had a total of 3 claims. Our son was born in 2016 and I was in the ER 2 times due to kidney stones.

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

to the penny. The same with both of my ER visits.


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 Christian Healthcare Ministries.


 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 $0 (zero) out of pocket expenses for bills over $500.00 per medical event

     No more worries about a high deductible

  • Excellent Maternity program

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

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

  • Incident related medicine included

  • Therapy and Home Healthcare included

  • Catatact surgery included

  • Skilled Nursing Facility Rehab (SNF) included

  • Congenital conditions included, 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

ALSO: Christian Healthcare is very careful and wise how they spend your money! Medi-Share spends

a LOT of the members money (your money) on advertising -radio, online ads etc.