Alternative to Obamacare and high Health Insurance Costs... Christian Healthcare Ministries

Christian Healthcare Ministries

from Londa:  My husband and I are considering this - we have NOT signed up yet, but hold it as a VERY REAL OPTION for when we get the 'letter' or huge increases in our healthcare currently provided by my husband's employer.  For myself, I AM going to check it out further as a cost-savings for my insurance, as I am blessed with pretty good health.  I offer this as information - not a recommendation at this time.  I highly suggest you write for the packet of information and check it out for yourself.  FYI:  This has been covered on Christian talk radio I listen to, Huckabee, and CNN!

Christian Healthcare Ministries (C.H.M.): GUIDELINES IN A NUTSHELL 

C.H.M. is not insurance but rather a Major Medical faith-based cost sharing ministry.  IT IS accepted by the 'Affordable Care Act' - known as 'Obamacare'!!!  See below section...

Once your Personal Responsibility is satisfied C.H.M. pays 100% of the remaining balance up to $125,000 per need.

Bills less than $500 will always be your personal responsibility.

 GOLD - $500 Personal Responsibility per person annually

  a) any condition requiring diagnostic testing

  b) any condition that creates a hospital bill

            c) $150 p/p - per month - $450 for family of 3 or more.

 SILVER - $1000 Personal Responsibility per incident

            a) any condition that creates a hospital bill

b)   $85 p/p - per month - $255 for family of 3 or more.

 BRONZE - $5000 Personal Responsibility per incident

            a) any condition that creates a hospital bill

b) $45 p/p - per month - $135 for family of 3 or more.

 Brothers Keeper members receive an additional $100,000 per incident benefit which increases by the same amount each year until a one million dollar per incident level is reached. As of 3-15-2013 GOLD BK members have limitless upper level benefits.($140.00 per unit annual cost estimate)

As of May 1, 2013new bills for pre-existing conditions will be shared on a three year limited basis plan.  Our monthly Prayer Page will assign needs above the new limited amounts to a specific number of members who share voluntarily until your total need is met.

C.H.M. is authorized to operate in all 50 states. Overseas medical bills are also cared for.

Dick Lupton is available to answer other questions you may have.

He can be reached 24/7 at 352-797-9685 or 800-791-6225 ext 5236  or by email –




        “(i) IN GENERAL. --- Such term shall include any individual for any month if such individual is a member of a health care sharing ministry for the month.

        “(ii) HEALTH CARE SHARING MINISTRY. -The term ‘health care sharing ministry’ means an organization ---

                “(I) which is described in section 501©(3)

and is exempt from taxation under section 501(a),

                “(II) members of which share a common set

of ethical or religious beliefs and share medical expenses and without regard to the State in which a member resides or is employed,

                “(III) members of which retain membership

even after they develop a medical condition,

                “(IV) which (or a predecessor of which) has been in existence at all times since December 31, 1999, and medical expenses of its members have been shared continuously and without interruption since at least December 31, 1999, and

                “(V) which conducts an annual audit which is performed by an independent certified public accounting firm in accordance with generally accepted accounting principles and which is made available to the public upon request.

 Who Qualifies: 

The qualifications to being a member of our program is; any Christian who is living by biblical principles, attends church regularly, abstains from tobacco and illegal drugs and uses alcohol by biblical teaching. Anyone who meets this criteria can participate regardless of age, weight, or health.

 We are now accepting pre-existing conditions. This will be for Gold members only. The pre-existing condition would be shared on a graduated scale for the first three years of membership. The first year we will share up to $15,000 should a medical need arise with this pre-existing condition, the second year an additional $10,000, and the third year an additional $25,000 for a total of $50,000 in the first three years of membership. After the third year the condition is no longer considered pre-existing. This applies to conditions that are not actively being treated, you have been released by the doctor, and are only on routine maintenance medication.

 Our program works somewhat like a co-op or major medical in that your medical needs must exceed $500 to qualify for sharing. CHM would share (pay) medical needs such as an emergency room treatment, surgery, hospital stay, or qualifying diagnostic testing. In almost all cases with qualifying medical incidents 100% of the balance after your Personal Responsibility ($500-Gold) is shared through the ministry.

 Members are responsible for routine office visits, routine prescriptions, dental and optical. However, we do have a free discount prescription cards that are available to all of our members which helps defer some of this cost.

CHM does not have the typical 80%/20% co-pay. We share medical needs based on qualification. For example on the Gold level of our program, if you had a surgery to remove your gallbladder we would share all of your pre-op testing, all of the surgery, all of the surgeons bill, all of the anesthesiologist bill, all of the charges for the surgery, all of the doctor visits and prescriptions related to the condition which are submitted with less than a 90 day lapse, minus the $500 Personal Responsibility.

 I would be happy to send you our complete information packet detailing all of this information if you have not yet requested a packet. If you would like a packet please send me your mailing address.

Please let me know if I can be of further assistance to you.

Your C.H.M. information man,

Dick Lupton

1-800-791-6225 ext 5236

  Additional Information

Improvements to CHM during the last two years have expanded our ministry’s health cost sharing support in three specific—and important—ways.

1.      All participation levels: CHM eliminated its 45-day waiting period.

2.      Gold level: New members with pre-existing health conditions now have their needs shared under the following schedule :

  • First year: up to $15,000 in health cost support
  • Second year: up to an additional $10,000
  • Third year: up to an additional $25,000
  • Fourth year: The condition is no longer treated as pre-existing.

In the first through third years, eligible costs exceeding the schedule amounts can be listed on the ministry newsletter’s Prayer Page, through which members share in paying medical bills that are not eligible for sharing through CHM’s regular program.

3.      As of 3-15-2013 CHM will share Gold level Brother’s Keeper members limitless benefits above $125.000. SILVER and BRONZE members are provided up to $100,000 per year until reaching a maximum of $1 million.

There are three main reasons for these improvements: 1) As a Christian ministry, we want to help as many believers as possible; 2) CHM is growing and our administrative costs are very low (between three and four percent). We’re adding hundreds of new members monthly; and 3) more hands make the burden lighter. As a result, we can do more for more members in our daily effort to glorify God and serve His people.

By giving me a call at 352-797-9685 I can enroll you in about five minutes and give you two free months of participation! Or you may visit our website (  for more information. You can easily apply online and get your first month free by entering the code RDL1

We are deeply grateful for the privilege of serving our members and sharing this example of Christian love to the world. We’d like you to be a part of our ministry family. If you have questions or desire additional information, please call me at 1-800-791-6225 ext 5236 or email me at

 Stay blessed and blessable,

 Your CHM Answer Man,

Dick Lupton



Richard D Lupton
Member Development
Christian Healthcare Ministries
800-791-6225 ext 5236

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