Preparing for Pregnancy Using Christian Healthcare Ministries

 | January 29, 2019 | Posted by:
Preparing for Pregnancy Using Christian Healthcare Ministries

Adding to your family is a big step, and one that can be planned for.

We take the time to plan for weddings and vacations, and planning for a pregnancy is no different. Taking the time to find the right insurance or medishare program is just part of that planning. Setting aside money for maternity needs is a wise course of action because it takes much of the stress and pressure off your shoulders, enabling you to focus on what really matters: nourishing that little life in the womb and enjoying every milestone of pregnancy.

At Edenway Birth Center we want to help take the complications out of financially preparing for pregnancy and birth. That’s why we’re taking this opportunity to share with you, over several blog posts, some tools to help your family experience financial stability and have peace of mind.

Christian Healthcare Ministries is a wonderful resource that has helped many of our clients receive the out of hospital birth they wanted in a way that financially made sense for their family. Health sharing has become much more popular as the Affordable Care Act has made it mandatory for families to have healthcare. This is an affordable alternative to the more mainstream approach to insurance, and will still meet the law’s requirement. There is also an option for catastrophic illness or injury called Brother’s Keeper. Another great thing about Christian Healthcare Ministries is that no matter how many children you have they only count as one “unit”. That means you will pay $45-$150 per month (depending on which plan you sign up for), no matter how many children you add to your family. You can also have different members of your family on different plans, making it customizable for your particular budgeting needs.

One thing to note: Christian Healthcare Ministries is NOT insurance, meaning 100% of eligible bills are shared between the members. This also means that you will pay out of pocket for things like doctor’s visits. There is a certain amount of charges you must incur before you can send in your eligible bill to be covered and that amount depends on which level of membership you have.

**Keep in mind that in order for your pregnancy to be covered, you must be a member on your current plan for 300 days

Three Levels of Membership

Gold Plan – $150.00 per month per unit

“The Gold program provides members with the ministry’s most extensive financial support. CHM shares 100 percent of bills for any medical incident exceeding $500 as long as all other Guidelines are met. (Total bills incurred per incident must exceed $500 in order to be eligible for sharing.) You can receive assistance up to $125,000 per illness.

Gold Plus Brother’s Keeper

If you join at the Gold level and also join Brother’s Keeper, you will have unlimited financial assistance available to you for all eligible medical bills (bills must total over $500 per incident). Learn More

Silver Plan – $85.00 per month per unit

At the Silver level, you have a $1,000 personal responsibility per incident. In other words, you need to pay $1,000 (or receive at least $1,000 worth of discounts on your medical bills) per incident before CHM helps share your expenses. You can receive assistance up to $125,000 per illness.

Silver Plus Brother’s Keeper

Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, members receive an additional $100,000, accruing up to $1 million per illness. Learn More

Bronze Plan – $45.00 per month per unit

At the Bronze level, you have a $5,000 personal responsibility per incident. In other words, you need to pay $5,000 (or receive at least $5,000 worth of discounts on your medical bills) per incident before CHM helps share your expenses. You can receive assistance up to $125,000 per illness.

Bronze Plan Plus Brother’s Keeper

Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, members receive an additional $100,000, accruing up to $1 million per illness. Learn More

More on Brother’s Keeper

Brother’s Keeper is your safeguard against catastrophic illness or injury. Brother’s Keeper is a low-cost, Bible-inspired program enabling CHM members to meet medical bills that exceed the $125,000 limit per illness specified in the CHM Guidelines.

Gold level members: Signing up for Brother’s Keeper provides unlimited cost support per illness (diagnosis).

Silver and Bronze members: Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, participants receive an additional $100,000 of assistance, up to $1 million per illness.

For medical needs exceeding $125,000, Brother’s Keeper members send a quarterly designated gift amount (average amount: $25 per membership unit; see our cost calculator) to the CHM office, where it is deposited in an audited escrow account. There is also a $40 annual, nonrefundable fee per membership.

Members receive a quarterly Brother’s Keeper letter stating their quarterly gift amount and the name of a fellow Brother’s Keeper member who has medical bills. They are asked to send cards and letters of encouragement to these fellow Christians.

To join Brother’s Keeper, check the box on the CHM Member Application. If you are already a CHM member and want to join Brother’s Keeper, please call our Member Assistance department at 1-800-791-6225, ext. 5993.

Maternity Coverage with Christian Healthcare Ministries

Here is a comprehensive coverage guide specifically for maternity care. The Gold plan is going to be your best option for full out of hospital coverage. This plan includes coverage for up to three ultrasounds (and more if there are complications). For a full disclosure on what maternity costs Gold will cover, click here.

Program Comparison

Gold Silver Bronze
Pre-natal     Included                                   Not included                      Not included
Hospital delivery     Included                                   Included                      Included
Midwife     Included                                   Up to $2,500 per pregnancy                      Not included
Post-natal (up to 6 weeks)     Included                                   Not included                      Not included
Complications     Included                                   Included (hospital treatment only)                      Included (hospital treatment only)
Pre-existing pregnancies    Not included                                   Not included

(you can find the source for this information here)

Getting Help

The staff at Edenway Birth Center are committed to helping you achieve the out of hospital birth you want. Our clients have consistency benefited from using Christian Healthcare Ministries. We truly love working with this company because they care about their customers’ wellbeing and provide wonderful coverage. We want as many women and their families as possible to know about the amazing benefits of this health sharing program because they cover so well under the Gold and Silver levels.

You are still responsible to pay for your care at Edenway, but we can work out flexible payment options that work within your budget. Our clients’ reimbursements from CHM have been consistent with the Gold and Silver levels.

Please call our office at 817-558-2229 to speak to a staff member about Christian Healthcare Ministries and how it can benefit your pregnancy and family.

Disclaimer: This is not an add for Christian Healthcare Ministries. Edenway is not being compensated in any way. Please be sure to do your own research to make the best decision for your family. Edenway Birth Center is not responsible for misunderstandings about information. Links have been provided within this article to make sure you are able to see for yourself the information that is on their website. 


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