Christian Healthcare Ministries Avis 2

CHM has been a huge disappointment. The marketing sounds reassuring and faith-based, but my experience has been anything but transparent. I pay monthly, paid $1,400 out of pocket for an MRI, and then received a reimbursement check for only $232. Shortly after, I received another letter stating my patient responsibility was $1,250.

At that point, I had to ask myself: what exactly am I paying for? When a major medical expense leaves me responsible for nearly the entire bill, the coverage provides very little real value. The gap between what is promised and what is actually reimbursed feels misleading. I joined expecting meaningful assistance with healthcare costs, but instead I was left with most of the bill. Based on my experience, I cannot recommend CHM and will be looking for alternatives as soon as possible.

CHM was amazing prior to 2022. After that their pricing has gone up so high that it basically makes more sense to go private. The way they manage bill submissions is very cumbersome, it's gotten better very recently, but it is still way more intensive than private insurance. The reimbursement process takes 60-120 days depending on how backed up they are. The worst part is that even on the best plan you still are responsible for the first $1250 per illness or incident. So basically instead of having an annual deductible you have a per incident deductible you need to meet every time you have a new medical issue. That for each person on the plan. So if you break your arm in Feb, you pay the first $1250 before they cover anything. Then later in November you are hospitalized for 2 days for something, you again pay the first $1250 before they cover anything. This applies to ever person on the plan individually every time there is a new event. Again, they were a great alternative solution, but now the cost and structure makes it totally unaffordable.