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What Does CHM Cover?
CHM shares eligible bills for maternity, preventive care, emergency care, and surgery. It does not share prescriptions, telehealth, mental health, dental, or vision. The base program caps sharing at $125,000 per illness unless you add CHM Plus. This page does not enroll CHM.
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Editor’s pick
Medi-Share
$115–$470/mo · ★ 4.5
Christian ministry that includes telehealth and maternity, with no annual or lifetime sharing cap. The enroll path on this page — not CHM.
The coverage list below is the one already published on our CHM review. We are not adding categories that review does not already name.
CHM sharing list (published)
| Category | Shared? |
|---|---|
| Maternity | Yes |
| Preventive care | Yes |
| Emergency care | Yes |
| Surgery | Yes |
| Prescriptions | No |
| Telehealth | No |
| Mental health | No |
| Dental | No |
| Vision | No |
Source: CHM plan file and live review. Yes = maternity, preventive, emergency, surgery. No = prescriptions, telehealth, mental health, dental, vision.
The $125,000 per-illness cap
Eligible bills that are shared still sit under a $125,000 per-illness cap on the base program. The optional CHM Plus add-on is what lifts that cap. This page names the cap because it is part of what CHM covers — it is not a Plus explainer.
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Find My Plan (2 min) →What we are not claiming
The live review does not publish ambulance, 90-day prescription, or chiropractic rules for CHM. This page does not invent them. If a category is not in the table above, we do not have a published CHM answer for it here.
The Bottom Line
CHM is built for major medical sharing — maternity, preventive, emergency, and surgery — up to $125,000 per illness on the base program. It is not built for prescriptions, telehealth, mental health, dental, or vision. If those gaps matter, Medi-Share is the enrollable Christian alternative on this page.
Frequently Asked Questions
What does CHM cover?
On the live CHM review, Christian Healthcare Ministries shares eligible bills for maternity, preventive care, emergency care, and surgery. It does not share prescriptions, telehealth, mental health care, dental, or vision. The base program shares up to $125,000 per illness unless you add CHM Plus.
Does CHM cover prescriptions?
No. CHM does not share prescription costs. Members pay medications out of pocket or use discount programs. That gap is already on the live CHM review.
Does CHM cover maternity?
Yes. Maternity is on the published “shares” list for CHM, along with preventive care, emergency care, and surgery.
Does CHM cover dental or vision?
No. Dental and vision are outside the program, same as prescriptions, telehealth, and mental health. Members pay those out of pocket.
What is the CHM sharing cap?
The base program shares up to $125,000 per illness. The optional CHM Plus add-on lifts that cap. This page is the coverage list, not a Plus explainer.
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Largest community
Medi-Share
$115–$470/mo · ★ 4.5
The biggest health sharing ministry — 400,000+ members, Cigna PPO network access, and no per-illness sharing cap.
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