Ready to grow your family?

We want this experience to be full of joy and excitement as you welcome a new life into the world! Ready to dive into our maternity solution?

If you’re a member, call us within the first 16 weeks of pregnancy so we can:

• Take $500 off your Personal Responsibility
• Connect you to the best care in your area
• Offer prayer, spiritual support, and Christian community

Please note: Maternity expenses are only eligible for sharing on CHM Gold, and the mother must have joined CHM Gold at least 300 days before their doctor’s estimated due date. Please see the CHM Guidelines for more information.

You are not alone. We’re right here with you during this journey. Download our free Maternity Guide to learn more about how CHM supports you during this exciting stage of life.

1. As soon as you learn you’re pregnant, call our Maternity Care Team to receive education that will help determine your best healthcare options. Be sure to also visit our maternity provider interaction page.

Did you know CHM reworked our maternity process for your benefit? You’re not alone in your maternity journey, and we want to help guide you to the best quality care for the best price. To better serve our members, CHM partnered with a nurse navigator who has supported thousands of women through pregnancy and childbirth.

2. Ask for a prepayment agreement on your clinic/hospital/doctor’s letterhead. 

These charges are often bundled as a one or two-day stay (sometimes called a flat rate payment or prepayment agreement) and are significantly less expensive than being admitted to a facility when it’s time to give birth. Please also be sure to include the list of services included (or CPT code) and due date the prepayment agreement needs to be paid by.

3. Immediately submit the prepayment agreement and/or bills to the Christian Healthcare Ministries office. 

We highly encourage you to submit any maternity bills as soon as possible, as bills are processed in accordance with the sharing time. Notify the CHM office immediately if your healthcare provider sets a time limit for reduced charges (seven months is common).

4. Any charge (lab, sonogram, etc.) incurred after the original agreement/bills are submitted should be sent to CHM as an “add-on” to the initial amount. Any services not included in the global estimate must be submitted as a final itemized bill.

Please note: Maternity expenses are eligible for sharing on CHM Gold only. Women must have a due date at least 300 days after their Gold level start date for maternity bills to be considered for sharing in accordance with the CHM Guidelines. Please see the Guidelines for more information.

Thank you for your interest in reading Heartfelt Magazine.

This monthly publication is exclusively available to you as a member of our biblical community. Click below to find ministry updates, testimonials, CHM’s Prayer Page listings, member advice, and more in the latest e-magazine.

Heartfelt Magazine

Click to download the February 2024 Heartfelt e-magazine.

download now

The value of telehealth for you and your family.

HealthiestYou by Teladoc provides CHM members with access to licensed physicians over the phone or through video chat, 24/7 and from the comfort of their own home. 

CHM is pleased to offer a valuable service for all members and their families—regardless of their selected program—that will reduce minor out-of-pocket medical costs. Through our telemedicine partnership with HealthiestYou by Teladoc, CHM members can connect with doctors at no additional cost over the phone or through video chat. Commonly addressed medical conditions include respiratory infections, cold and flu symptoms, allergies, skin irritations, pink eye, and much more. Telemedicine provides a practical solution for a wide range of non-emergency conditions.

This modern-day service is available to all members at no cost beyond their regular monthly contributions. It offers convenient and easy 24-hour access to licensed physicians seven days a week, meeting members where they are. Members of any age can participate and receive quality medical care—even from the comfort of their own home.

Eager to take advantage of this incredible solution? Register today!

Important note: Please contact help@healthiestyou.com with telemedicine-related questions because HealthiestYou is administered by a third party, not CHM. If you are unable to register your HealthiestYou account, please contact providerrelations@CHMinistries.org; however, CHM staff members who use this email address can only assist with registration questions. Please send all other HealthiestYou questions (such as those about booking appointments, benefits, etc.) to the first email address above.

What else does HealthiestYou by Teladoc include?

This telemedicine solution offers access to the following virtual care services and tools:

1. General medical: Convenient, high-quality healthcare available 24/7 from U.S. board-certified doctors by phone or video at no additional cost to members.
2. Price transparency tools: Price comparison search engines that can help you make informed choices and save money on procedures and prescriptions.
3. Intelligent alerts: Location-sensitive alerts are delivered to you, so you spend less time searching around.
4. Behavioral health care: CHM members have access to licensed mental health professionals, with the option to receive ongoing care from a provider of their choice at a fair-market price to the member.
5. Dermatology: U.S. board-certified dermatologists that review images and provide a diagnosis and treatment plan can be seen at a fair-market price to the member.
6. Nutritionist: Talk to a registered dietitian for diet planning or managing a health condition like diabetes at fair-market price to the member.

How to register with your CHM membership and get started with HealthiestYou by Teladoc.

Step one: Search and download “HealthiestYou” or “HY” in the app store or Google Play! This is also available on iPhone or Android devices.

Step two: Select “First time here? Register now.” Select “Employee” as your membership type.

Step three: Enter the primary member’s information:

• Last name
• Date of birth

Step four: A list of names associated with the account will appear. Select your name.

• Dependents under 18 will appear on the primary member’s profile.
• Dependents over 18 will need to register their own account with a separate email.

Step five: Enter a valid email address and password.

Step six: Enter in the best number to reach you. The HealthiestYou doctors will use this number to contact you. Additionally, select your preferred language. Click “I accept Terms & Conditions” and then click “Finish.”

If you’ve just joined CHM, it may be 7-10 days before you’re able to access the HealthiestYou platform.

What if I already have a HealthiestYou by Teladoc account?

If you have an existing, active HealthiestYou profile through a separate source and you want to merge your account to come through CHM, you’ll need to cancel your original account by emailing help@healthiestyou.com.

After your account has been canceled, please wait 7-10 days to create a new account with CHM by following the “How to register with your CHM membership” steps above.

If you’re a CHM Group and already using HealthiestYou by Teladoc services, please email groups@CHMinistries.org for assistance.

Share CHM with your friends and earn credits towards your costs!

Share CHM with your friends and earn credits towards your monthly contribution and your Personal Responsibility with our Bring-a-Friend (BAF) referral program.

Earn a BAF credit for each friend or family member who joins because of you. After your friend pays for three months of CHM membership, you’ll automatically receive a credit amount corresponding to their membership level. You can earn up to 16 months’ worth of credits per year. That’s right: up to one free year of CHM membership and your entire Personal Responsibility!

They get the support of the CHM family and you get BAF credits. Can you say win-win? Together, we can bear one another’s burdens and serve as the hands of Christ.*

*The state of Maryland doesn’t allow Maryland members to use BAF credits towards their monthly contribution; however, they are able to use BAF credits towards their Personal Responsibility amount. Additionally, the state of Montana limits members to six months’ worth of credits per calendar year.

Earning credits with Bring-a-Friend is easier than ever!

1. Register. Visit your Bring-a-Friend dashboard through the Member Portal and get personalized referral resources.
2. Refer. Tell your friends and family about CHM with your unique link through social media, email, text, and more.
3. Rewards. Earn Bring-a-Friend credit when they join CHM and pay their third contribution!

CHM has two options for the sharing of pre-existing conditions: scheduled sharing and Prayer Page. Here’s what you need to know about CHM and medical bill sharing for pre-existing conditions:

How CHM defines a pre-existing condition

A pre-existing condition is any medical condition for which you experience signs, symptoms, testing, or treatment before joining CHM, regardless of whether you’ve received a diagnosis. (Routine and/or maintenance medications are considered treatment.)

For example, if you have a stent that was inserted for a heart condition before joining CHM, the stent is considered treatment and your heart condition
is pre-existing.

A condition is no longer considered pre-existing if

• you have experienced one year without signs, symptoms, or treatment;
• you’re not on a maintenance medication regimen for that condition; and
• it’s documented by your official medical records.

In contrast, cancer is no longer pre-existing if, after your doctor has pronounced you cancer-free or cured, you have gone five years without any signs, symptoms, testing, or treatment (other than routine follow-up appointments).

Active vs. maintained

We distinguish between two types of pre-existing conditions: active and maintained.

A condition is considered active—and medical bills are ineligible for sharing—if you have experienced any signs or symptoms either before or at the time of joining CHM (regardless of whether or not you’ve received a diagnosis) and/or your condition actively needs treatment other than with maintenance (routine) medications.

If there is any question about whether you’re in an active incident, CHM will request your official medical records.

Your pre-existing illness is considered maintained if

• you have gone at least 90 days without testing or treatment;
• your medical provider states that no further testing or treatment is needed; and
• your medical records show that you are cured or on a maintenance treatment regimen.

Medical expenses for conditions meeting these criteria may be considered for sharing according to CHM Guidelines as described below.

Scheduled sharing

CHM Gold and CHM SeniorShare members can receive assistance with medical bills for maintained pre-existing conditions according to the following schedule:

• In the first year of membership, bills incurred for a pre-existing condition are eligible for sharing up to $15,000.
• In the first two years of membership, bills incurred for a pre-existing condition are eligible for sharing up to $25,000 ($15,000 during the first year plus $10,000 during the second year).
• In the first three years of membership, bills incurred for a pre-existing condition are eligible for sharing up to $50,000 ($15,000 during the first year plus $10,000 during the second year plus $25,000 during the third year).
• After the third year of membership, the condition is no longer considered pre-existing.

Eligible medical expenses incurred during the first three years of membership that exceed the schedule limits for CHM Gold and CHM SeniorShare members will be considered for sharing on CHM’s Prayer Page.

Prayer Page

The Prayer Page—which is published in CHM’s monthly Heartfelt Magazine—enables sharing for CHM Silver or CHM Bronze members with eligible maintained pre-existing conditions. Also, if you are a CHM Gold or CHM SeniorShare member with a maintained pre-existing condition and your medical bills exceed the scheduled sharing limits, the excess amount may be eligible to appear on the Prayer Page. Members on the Prayer Page give CHM permission to include their names, addresses, a summary of their condition, and current donation amounts.

All CHM members are invited and encouraged to give to medical bills listed on the Prayer Page (above regular monthly contributions) as they feel led. Prayer Page donations sent to the CHM office qualify as tax-deductible charitable giving. One hundred percent of this extra giving goes to share Prayer Page bills. Members listed on the Prayer Page receive donations each month proportionate to their total of eligible medical expenses until their bills are shared in full, so long as they remain CHM members.

This portion of our ministry is an amazing testimony to the power of the Holy Spirit to change people’s hearts.

Christian Healthcare Ministries assists members with prescription costs as follows:

CHM Gold and CHM SeniorShare members: Incident-related prescription costs are eligible for sharing (up to the first 90 days of treatment).

CHM Silver and CHM Bronze members: do not include provisions for any prescription medication.

All programs: Prescriptions used for maintenance treatment cannot be shared by CHM members.

With tools like the ones we’ve provided here, you can find the cheapest prescription costs in your area and lock in those low prices with coupons, membership cards, and more. The best part? It’s all free and easy to use.

Save even more with these tips:

• Ask your doctor for the generic brand of your prescription.
• Search for your prescriptions before you even leave your house to find the cheapest prices and best locations.
• Use more than one of the tools listed below.
• Give the pharmacist multiple savings cards to see which one gets the best price.
• Send the free coupons to your phone to lock in low prices.

With these tips and resources, you can find the best savings on your prescription costs. It’s easier than ever!

Since CHM is a ministry serving you, we don’t have a provider network that you must abide by. You’re free to choose your own provider; however, your medical bills must fall within the CHM Guidelines to be considered for reimbursement.

CHM has worked with more than 100,000 healthcare providers nationwide. However, it’s important you understand that as a CHM member, your healthcare will be handled by you, the patient. This means that healthcare providers should bill you directly, after which you can submit your bills to CHM. Here are some helpful tips for interacting with your provider.

1. Tell your healthcare providers that you’re a self-pay patient, show them your CHM card, and explain you’d like to be billed directly

Your CHM card is not an insurance card. However, it is important to show your card to your provider to identify yourself as a CHM member to take advantage of any available discounts that CHM has prearranged with select providers. Work with providers to obtain itemized medical bills. An itemized bill contains: 1) the patient’s name; 2) the date of service; 3) the place of service; 4) the procedural (CPT) codes (or description of services rendered); and 5) an itemized list of charges.

2. Ask your provider for a discount

Most providers offer discounts for self-pay patients, so don’t be afraid to ask for a discounted rate.

3. Apply for any financial assistance available to you, even if you don’t think you qualify

Most hospitals are required to provide certain types of medical care for free or at a reduced cost. As self-pay patients, CHM members may qualify for financial assistance programs which are offered by the hospital. Likewise, state and federal governments also allocate money toward healthcare for individuals whose incomes fall within a defined economic level.

4. Please don’t pay upfront (unless the bill is less than $1,000)

Prior to paying bills totaling $1,000 or more from an individual healthcare provider, please contact Member Advocate when the following circumstances apply:

• You’re unable to obtain a self-pay discount
• You obtain a significant discount, but the provider has a deadline for payment and you’re unable to pay out-of-pocket.

5. If necessary, set up a payment plan with your providers

Work with your provider to set up a monthly payment plan until your eligible medical costs have been processed and reimbursed in accordance with the CHM Guidelines.

6. Promptly pay your provider(s) when you receive funds from CHM

Every membership unit must satisfy a yearly Personal Responsibility; this is considered your out-of-pocket expense. Once this amount is met, you will receive reimbursement for the remaining eligible medical costs. It is your responsibility to use funds received from CHM to pay the appropriate healthcare providers.

7. Maternity only: at your first prenatal checkup, ask for a prepayment agreement

Obtain and submit a global fee from your OB/GYN as soon as possible. It must include the following itemized information:

• Provider name
• description of service or CPT codes
• charge amount
• and payment due date

Submit the prepayment agreement or flat rate from the hospital, if provided. It must have all of the itemized information listed and specify the length of the hospital stay and whether the newborn charges are included.

See our Maternity Guide for more info, including a maternity guide, how to reduce your Personal Responsibility amount and more.