Exciting news about CHM SeniorShare™

We have great news for members approaching or who are already 65 and older and participate in the Gold program: The CHM SeniorShare^TM program now includes a $65 gift reduction for each qualifying member.

This advantage begins for the billing cycle of the first day of your 65^th birthday but not before May 1, 2021 and will reflect the full Gold program $172 per unit gift amount along with a $65 CHM SeniorShare^TM cost reduction—resulting in a new gift amount of $107 per qualifying member. That’s a savings of $780 per calendar year!

Here’s how it works:

• You must be age 65 or older
• You must be a CHM Gold member

That’s it; as long as you meet those requirements, you receive the CHM SeniorShare^TM gift reduction.

Here's what else you need to know:

How does medical bill sharing work for members of Medicare age?

Medicare-age members must participate on the Gold program and have Medicare Parts A & B (or a Medicare Advantage Plan) to receive full sharing eligibility. Otherwise, CHM shares up to 20 percent of the total eligible medical expenses and the outstanding balance becomes the member’s responsibility. Likewise, CHM shares up to 20 percent of eligible medical expenses when Medicare-participating members receive treatment from a non-participating Medicare provider. Please see CHM Guideline S for more information.

What if my Medicare participation begins before or after I turn 65?

CHM members receive the reduced CHM SeniorShare^TM gift amount for the billing cycle of the first month of their 65^th birthday, even when signing up for Medicare prior to turning 65. For members who are 65 and do not have Medicare Parts A & B or a Medicare Advantage Plan, CHM is limited to sharing 20 percent of eligible medical bills for incidents that began during months in which members were 65 but did not have Medicare Parts A & B or a Medicare Advantage Plan. In these situations, CHM may request medical records to continue the sharing process. 

When do I enroll in Medicare, and how does that differ from Open Enrollment?

You can sign up for Medicare three months before you turn 65, the month of your birthday, and for three more months that follow your birth month. Medicare Open Enrollment is Oct. 15 to Dec. 17 annually; it's when Medicare members can compare programs and make changes to their Medicare status. Members can join CHM at any time of the year because CHM isn’t insurance.

Where do I get more information about Medicare?

The Medicare Helpful Contacts page is for individuals seeking more information about Medicare, including where to find local contact information and program details. (Please note: Medicare will not be able to answer any questions about CHM or how we interact with this government program.)

Advantages of CHM SeniorShare™

• Budget-friendly and cost-effective
• A federally certified exemption to the national healthcare law; eligible option for individuals and families
• Better Business Bureau Accredited Charity
• No application fee or annual fee
• No one is dropped or denied membership due to medical conditions
• Costs are not adjusted based on medical conditions or history
• CHM shares remaining balance of eligible medical expenses Medicare doesn’t pay
• Longevity, integrity and accountability
• Low administrative costs (1-2 percent annually)
• One free month for each new membership you bring to CHM
• Knowing that each financial gift (monthly payment) goes to help a fellow Christian as fellow Christians stand by to help you!

Christian Healthcare Ministries is not health insurance, but rather a trustworthy, budget-friendly and eligible healthcare option under the Affordable Care Act (ACA) that many Christians use as their solution to their healthcare costs. We welcome you to learn more about our health cost sharing ministry’s history and how CHM meets the requirements of the national healthcare law.