Doctors Visit


Regular doctors visits (wellness/routine) are not covered (unless they are related to a medical event/incident).

However, as of October 1 2021 a 'telemedicine' visit (talk to a licensed US doctor via phone/video chat) is covered, 24/7 for all CHM members at no additional charge. Scroll down for more information.

So how can I afford to see a doctor or a specialist?? 

With 'regular' insurance, on average people pay about $35.00 copay.

Also the average person pays $495.00 on health insurance premium, per person, per month (source:

With the Gold plan you pay $172.00 'premium' per person, per month

  • You save approx. $323.00 from the national average, per person, per month.

  • Put this $323.00 (or at least a portion of that amount) in a savings account every month and it will be easy to pay any doctor's bill when you need it.

  • If the doctors visit requires lab work, testing, a follow up, and the total bills add up to be over $500, then you can submit your bill to CHM. You will have a $0 deductible and CHM will reimburse you in full (with the Gold plan) 


At the doctor's office:

  • At the time of check-in and making the appointment, explain that you are "self-pay"

  • Most doctors offices have significant reduced fees for self-pay patients as they don't have to file a claim and wait for their money. Doctors offices love self-pay patients and have a self-pay discount policy in place.

  • Use the "health savings account" technique -as described above to pay for doctor visits.

Questions (click to learn more):

What is a medical event? 

What is telemedicine?

What do you mean, "Self Pay"?

Frequently Asked Questions

The average person pays about $495 on commercial health insurance. The Gold plan of CHM is only $172.00.

"I saved so much money with CHM! It just makes sense to support a Christian non-profit organisation instead of supporting some big CEO's bonus check..."

As a CHM member your can go to any hospital or doctor for treatment.

To compare health care cost in your area visit