Christian Healthcare MinistriesReviews of chministries.org

I am a healthcare provider who has paid premiums for CHM for 2 years as I have always heard good things and have worked with insurance companies for a living and know how terrible they can be. However, CHM is no different, my wife and I went through IVF for our second child and though they were clear that IVF services are not covered, they made no comment about covering the birth. After the birth of our son we are sitting with a stack of bills trying to submit claims to them and they deny the whole thing based on it starting with IVF, and when you call they refer you back to an obscure line in your contract, like every insurance does. They are a complete scam using Christianity as a way of profit don't waste your money here.

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.