Self Pay explained


Some people find it a disadvantage with CHM, that you have to negotiate

your own discount. 

It turns out that this is not a hassle at all:

  • Tell the doctor's office / facility that you are a "self-pay patient". 

    • Many offices have a self-pay discount policy already in place

    • Tell them you are a member of a Christian Organization who will help pay with the bills 

  • Ask them if they offer any self-pay discount. As the doctor/medical facility doesn't have to submit a bill to the insurance they are usually glad to do it. In most cases self-pay discounts are already setup in most offices.

    • Most doctors / facilities already have a self-pay amount program setup 

  • Setup a payment plan for now until you receive the check from CHM 


When I had to go to the ER for a kidney stone, I told them I was self-pay. They said their self-pay amount is $450.00 for the hospital part. Later I got a separate bill from the doctor at the ER and a bill for the CAT-SCAN. I called the medical facility who sent me the bill and explained I was self-pay. Again they already had self-pay discount policy in place which reduced my bills in half. 

The total out of pocket expenses added up to nearly $1,300 which I submitted online to Christian Healthcare Ministries (total bills added up to over $6,000, but after self pay discount it was around $1,300). 


Since I have the Gold plan and my total bills were over $500, my out of pocket expenses turned out to be $0.00! I received my check from Christian Healthcare about 2 months later for the full amount of around $1,300)


I had to setup payment plans until I received the check (all expenses paid) from Christian Healthcare Ministries.


Christian Healthcare reimbursed me everything for

  • ER visit

  • ER doctor


  • Lab work

  • Medicine given at the ER

  • Medication prescribed for pain when I got home

  • Follow up visit with the urologist

  • X-RAY prescribed by the urologist


There was nothing left unpaid by CHM. They are simply an

awesome ministry!

"There was nothing left unpaid by CHM. They are simply an awesome ministry!"