CMM is biblically-based health care sharing ministry. We are spreading God's love by helping each other's medical expenses with members who voluntarily participate in our ministry.
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• Membership is open to believers up to the age of 64, who have accepted Jesus Christ as their personal Savior, live according to biblical principles, and participate in worship as a faithful member of the body of Christ.
• All forms of tobacco, illegal drugs, misuse or abuse of prescription or over-the-counter medications, and alcohol abuse or dependence are strictly prohibited. Members must follow the biblical teaching regarding the use of alcohol.
• All CMM members, including overseas missionaries, must have a valid mailing address within the United States.

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In states such as California (CA), New Jersey (NJ), and Massachusetts (MA), where penalties may be imposed for not having health insurance, CMM members are eligible for exemption from such penalties.

CMM was officially recognized in 2014 as a “Health Care Sharing Ministry” based on Christian faith by the Centers for Medicare & Medicaid Services (CMS) under the U.S. Department of Health and Human Services. Therefore, members may receive exemption benefits in those states.

• There are four levels of membership, and medical expenses can be shared up to $150,000 per illness.
  • Bronze and Silver Levels: Sharing is available for hospitalization and surgery (including same-day/outpatient procedures).
  • Gold Level: Includes sharing for hospitalization, surgery, doctor office visits, diagnostic tests and treatments.
  • Gold Plus Level: In addition to hospitalization, surgery, doctor office visits, and diagnostic tests and treatments, this level includes pregnancy and childbirth, as well as annual preventive care (up to $500 per person per year).
    View Level Comparison
• CMM-Merciful Share:
  For medical expenses exceeding $150,000 for a single illness, members can receive additional support—up to $1,000,000 depending on membership duration—through the collective sharing of all members.
  Learn more about CMM-Merciful Share
• CMM-Sympathy Share:
  If a member who has been a CMM member for two consecutive years or more passes away due to an eligible illness or accident, a $4,000 condolence gift is shared with the bereaved family.
  If the member has been a CMM member for less than two consecutive years, a $500 condolence gift is shared. 
  Learn more about CMM-Sympathy Share

“Monthly Gift” refers to the monthly voluntary contribution that members send according to the membership level they choose.
The Monthly Gift is used to help members who need medical expense support, and a portion is allocated for administrative costs.
Monthly contributions can be paid by automatic transfer, check, or credit card by the 1st of each month. 
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• Each spouse is counted as 1 unit and dependent children up to age 25 are counted as 1 unit total, regardless of the number of children. Therefore, the total is 3 units.
• For dependent children up to age 25, only one unit fee applies regardless of the number of children. Medical expense sharing is based on each individual’s chosen level, and children’s levels must be the same as or lower than their parents.

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No, parents cannot be included as part of the family membership. However, if the parents are under 65 years old, they can join separately.

If a couple is planning a pregnancy, they should choose the Gold Plus level. Medical expense sharing for pregnancy and childbirth is available if the expected delivery date is at least 10 months after the month of enrollment.
Learn about Gold Plus levels

Yes, you can join as a member even if you have a prior medical condition, as long as you meet the membership requirements. However, sharing for medical expenses related to prior medical conditions may be limited.
Learn about Pre-Join Conditions

Medical conditions that occurred before the start date of membership are separated into Pre-Join Conditions 1 and 2.

1. Pre-Join Condition 1 (Limited Sharing 1):
   If you have not been hospitalized for hypertension, diabetes, or hyperlipidemia within one year before joining or have no signs, symptoms, tests, or treatment including medication for cardiovascular disease within one year before joining
   Sharing Limit:
   • Year 1: $15,000
   • Year 2: +$10,000
   • Year 3: +$25,000
   • Year 4: +$100,000
   Maximum: $150,000
2. Pre-Join Condition 2 (Limited Sharing 2):
   If you had any signs, symptoms, doctor/clinic visits, tests, or treatments including medication within one year before joining, the the sharing being after one year after being a member.
   Sharing Limit:
   • Year 2: $15,000
   • Year 3: +$10,000
   • Year 4: +$25,000
   • Year 5: +$100,000
   Maximum: $150,000

Learn about Pre-Join Condition Sharing

There is a 3-month waiting period after membership begins.
During this time, sharing is limited to up to $15,000 per illness for unexpected hospitalizations or surgeries due to accidents or acute illness.
After the waiting period, eligible medical expenses for each illness or accident can be shared up to $150,000.
All sharing is subject to medical record review.

View Process of Requesting for Medical Expense Sharing

CMM does not operate a medical provider network. Members can receive care from any healthcare facility they prefer. 

View Process of Requesting for Medical Expense Sharing

Yes, one of the greatest advantages is that you can receive the medical services you need anywhere in the U.S. or overseas.
If you receive treatment abroad—whether in Korea or while on a mission trip—please inform the Needs Processing Department.
They’ll guide you through the submission process and join with members in prayer for you. 

Needs Processing Department email: npd@cmmlogos.org

View Process of Requesting for Medical Expense Sharing

Medical expenses can be shared up to $150,000 per illness, with some conditions and limitations.

• During the first 3-month Waiting Period after joining, hospitalization and surgery costs due to illness or accidents are shared up to a maximum of $15,000, even after the Waiting Period ends.
• After the Waiting Period, new illnesses and accidents (excluding car accidents) are eligible for medical expense sharing up to $150,000.
• Medical conditions occurred before joining may receive limited sharing, depending on the type of illness and length of membership.
• In the case of a car accident, members must first use their own auto insurance’s Medical Expense Coverage. After insurance is fully applied, remaining medical expenses may be eligible for sharing up to $50,000 per person or $100,000 if two or more units in a family, according to member's level.
  CMM is not a substitute for auto insurance, and medical sharing does not apply to non-members involved in car accidents.

View level comparisons

If medical expenses exceed $150,000, due to an illness occurs after one year of membership, CMM-Merciful Share may provide additional sharing of medical costs up to a maximum of $1,000,000.
Expenses exceeding $150,000 are shared through additional Monthly Gift amount, which is calculated by the total number of CMM member units.
CMM announces these situations in the monthly newsletter and in the CMM news section of the Korean Christian Journal.

View CMM-Merciful Share

CMM is a health care sharing ministry, made possible through the voluntary participation of Christians.
While it may appear similar to insurance in the sense that a large group shares the risks that individuals may face, the key legal distinction between insurance and non-insurance lies in the presence of a contract. CMM does not operate based on a contract, nor does it use a medical provider network. Instead, it functions through voluntary sharing and cooperation among members, grounded in Christian faith and values.

Because of this, CMM avoids using terminology associated with traditional health insurance. Instead, it uses terms like "sharing ministry" to emphasize the difference and help educate the public.

Only Christians who abstain from alcohol, tobacco, and drugs are eligible to join. Such religious and moral standards could not be used as membership criteria for traditional insurance.

Since CMM is not insurance, monthly contributions remained unchanged from 2002 through October 2023.

Members residing in Missouri (MO) and Indiana (IN) may be eligible to deduct their monthly contributions from taxes.
In other states, the contributions to an HCSM are not tax-deductible.
However, donations or offerings made beyond the regular monthly contributions may be tax-deductible.
For detailed information regarding taxes, please consult with a certified accountant or tax professional.

Yes. If you wish to change your level, please complete the “Level Change Request Form” and submit it via email, fax, mail, or SMS.
To compare the differences between each level, refer to the “Level Summary.”
If you have any questions, please contact the Member Service Department.

• Email: msd@cmmlogos.org
• Fax: 773-777-0695
• SMS: 803-408-5512
• Mailing Address (CMM Headquarters):
  Christian Mutual Med-Aid
  Attn: Member Service Department
  2315 Sanders Rd. Northbrook, IL 60062

Download the level change application

• To separate your spouse and/or children, submit the completed "Separation of Dependent" form to Member Services Department.
• The application must be filled out by the member who is being separated. All sections must be completed, including basic information, health information, and level selection.
  On the second page of the form, the separating member must carefully read and initial each item on the Membership Checklist of Understanding, then provide bank information for automatic withdrawal, full name, signature, and date.
• Each month, the application deadline is the last day of the month, and the separation is effective the first of the following month. Applications can be submitted by mail, fax, or SMS.
  • Email: msd@cmmlogos.org
  • Fax: 773-777-0695
  • SMS: 803-408-5512
  • Mailing Address (CMM Headquarters):
    Christian Mutual Med-Aid
    Attn: Member Service Department
    2315 Sanders Rd. Northbrook, IL 60062

Download the Family Separation Application

Download the application to add a family member

At CMM’s Needs Processing Department, we help members with using medical facilities and submitting and processing medical expense sharing requests. Please follow these steps when visiting a medical institution:

1. When visiting a medical facility:
   Register as Self-Pay or Uninsured Patient and request a medical bill discount. If hospitalization or surgery is required, check whether there are state assistance programs or hospital financial aid programs available. Getting a discount on medical bills is similar to asking for a discount when buying a car. By receiving discounts, it helps keep the overall membership contributions from increasing.
2. Treatment and surgery procedures:
   If treatment, surgery, hospitalization, or special tests are needed due to symptoms or illness, contact the Needs Processing Department 4-5 days before the procedure. In emergency cases, please contact us within 48 hours after treatment. We also offer prayer support for patients.
3. Medical expense sharing request process:
   Complete the 4-page Needs Processing Forms and submit them along with the medical bills, receipts, and medical records received from the medical institution. For prescription medications, submit the receipts including the pharmacy name, patient name, medication name, and price information.

View Process of Requesting for Medical Expense Sharing

1. When applying for medical expense sharing, you must complete 4-page Needs Processing Forms and submit them along with the itemized bill and proof of payment received from the healthcare provider (medical institution).
2. If the documents are complete and there are no missing documents, the medical expense reimbursement is generally processed within 30 to 60 days.
   However, in certain special cases (such as visits overseas, including Korea), additional documents like medical records may be required.
   For more detailed information, please contact the Needs Processing Department.
   

   United States Itemized Bill Sample
   Korea Itemized Bill Sample
   View Process of Requesting for Medical Expense Sharing

Personal Responsibility refers to the amount a member is responsible for paying (pays directly) from the medical expenses that are eligible for sharing, according to the Guidelines.
The amount of Personal Responsibility varies depending on the membership level chosen by the member.
If the member receives a discount on medical expenses, a deduction benefit is applied within the Personal Responsibility limit.

View Level Comparison

The Member Referral event is a temporary promotion.
If a member refers a new member, and the new member maintains their membership for at least two months, the referring member will receive a credit equal to the new member’s second-month contribution in the third month.

The referring member should instruct the new member to fill in the "Referrer’s Member ID and Member Number" section on the new member application form with the referrer’s name and membership number (MEMB). Notify us of member referrals within 2 months of the new member's join date to be rewarded.

Please note that adding family members or rejoining members does not qualify for Member Referral credit.

※ 본인이 소개한 신규 회원의 소개인 정보가 누락된 것을 확인하신 경우, 신규 회원의 회원 자격 시작일로부터 2개월 이내에 Member Service Department에 알려 주셔야 유효합니다.
예를들어 신규 회원이 2월 1일부터 회원이 된 경우, 3월 31일까지 접수되어야 합니다.

Learn about Member-Referral

Yes, you can join at any time throughout the year. (Membership eligibility begins on the 1st of each month.)

Join Membership

Membership applications (online/offline) must be completed by the end of each month. Membership eligibility begins on the 1st of the following month.
For example, if you apply for membership anytime between September 1 and September 30, your membership will start on October 1.

회원 가입 시에는 가입 신청서에 은행 계좌 정보를 기입하여 신청하면 되고, 가입 후에는 자동이체신청서를 작성하여 제출하시면 됩니다. 월 회비는 회원이 제공한 정보를 바탕으로 매달 1일에 자동 이체됩니다. 거래 기록으로 “LogosMissions” 또는 “Christian Mutual Medical A”으로 표시됩니다. 어떤 이유로든 은행 또는 카드사가 회비 지급을 거절하면, 이에 대한 손실 비용 $20.00을 회원이 부담해야 합니다.

Download the direct deposit application

• You can register online using your mobile phone or computer through the CMM website.
• Alternatively, you can download the membership application form from the website, complete it, and submit it via mail, fax, or SMS.
  • 
    Submission information:
    Mailing Address (CMM Headquarters):
    Christian Mutual Med-Aid
    Attn: Member Service Department
    2315 Sanders Road, Northbrook, IL 60062
    Fax: 773-777-0695
    SMS: 803-408-5512

Our office hours are Monday through Friday, 9:00 AM to 5:30 PM Central Time.

For further inquiries, please contact:
Phone: 773-777-8889
Email: info@cmmlogos.org

Join Membership