in this issue following chm segment on fox news ... · pdf filemembers had to wait 45 days...

June 2011

In This Issue

Ministry growth accelerates after

“Huckabee” on Fox News...............1

CHM cancels Guideline regarding

45-day wait................................1

Spreading the word about CHM.....2

CHM financial statements..............3

Healthwatch................................4

Bring-a-Friend: a free way to meet

your health care costs.....................5

Prayer Page testimony....................6

Prayer Page............................7-10

Letters to CHM..........................14

Monthly prayer requests...............15

Christian Healthcare Ministries® is a Bible-based, voluntary medical cost-sharing

ministry that fulfills the command of Galatians 6:2, that Christians carry each

other’s burdens.

Executive Director: Rev. Howard RussellChief Financial Officer: Roger KittelsonEditor: Lauren SelleckAssistant Editor: Michelle RhoadsContributing writers: Rev. Howard Russell, Roger Kittelson, Dr. Michael Jacobson, George Korda, Lauren Selleck, Michelle Rhoads

127 Hazelwood Ave.Barberton, Ohio 44203

Phone: 800-791-6225 330-848-1511Fax: 330-848-4322

Hours: Mon-Fri 9 a.m -5 p.m.

www.chministries.orgE-mail: [email protected]

Ministry growth accelerates following CHM segment on Fox News’ “Huckabee”Christian Healthcare Ministries experienced a spike in requests for information after the ministry was featured on the Fox News Channel show “Huckabee.” Former Arkansas governor and potential presidential candidate Mike Huckabee is the show’s host.

The segment with the Rev. Howard Russell, CHM executive director, and CHM members Jason and Tori Benham of Concord, N.C., aired April 9 and 10.

CHM received more than 11,000 requests for information, 1,100 newsletter requests and hundreds of questions on its website, www.chministries.org, in the two weeks following the show’s air dates.

The ministry staff also processed more than 1,000 new membership applications.

See “Huckabee,” page 11

CHM cancels Guideline regarding 45-day wait

Potential presidential candidate Mike Huckabee with Rev. Howard Russell, CHM executive director

Until recently, new Christian Healthcare Ministries members had to wait 45 days after joining to submit medical bills to the ministry.

As of May 1, 2011, that Guideline is no longer in effect.

Previously, only bills for emergencies were eligible for sharing within the first 45 days. Now, bills for all other

illnesses and conditions—eligible according to the Guidelines—will be presented for sharing among CHM members.

This change will not affect members who have been ministry participants for more than 45 days. It will, however, affect your friends and family members who are considering joining CHM. They can do so with the peace of mind that

they will have immediate provision for their health care costs.

Why make this change? The CHM Board of Trustees voted to cancel the waiting period for two reasons:

1) The Board determined that the 45-day waiting period didn’t have a significant effect on the authorization of

See “Guideline,” page 11

Rev. Howard Russell

Executive Director,Christian HealthcareMinistries

Christian Healthcare Ministries • June 20112A Look Inside My Heart by Reverend Howard Russell

“Huckabee” and Janet Parshall’s radio show: spreading the word about CHMEditor’s note: If you missed the Fox News “Huckabee” show that featured Christian Healthcare Ministries, you can view it by visiting www.chministries.org/news.aspx

When I and two Christian Healthcare Ministries’ members sat down to be interviewed by former Gov. Mike Huckabee on his weekend Fox News show “Huckabee,” I hoped to accomplish two things: first, to glorify God; second, to declare the good news that Christians are caring for each other by sharing in paying each other’s medical bills.

Joining me to talk with Gov. Huckabee were CHM husband and wife members Jason and Tori Benham. Jason and his brother, David, are identical twins and former professional baseball players.

The brothers today are young Christian entrepreneurs who have built a thriving business. The Benham Real Estate Group is headquartered in Charlotte, North Carolina. Benham REO Group was named by Franchise Magazine as the 11th fastest growing private real estate company in America.

Jason, David and their families were—as many people are—slammed by ever-increasing health insurance premiums. They decided to leave insurance behind and become CHM members.

It was a very good thing.

After joining CHM, Jason and his wife, Tori, had some $70,000 in medical bills in 2010. They trusted God and put their faith in the faithfulness of CHM members to voluntarily share their needs.

The “Huckabee” show with us as guests aired on April 9 and 10. Within days of our appearance, I was contacted by Janet Parshall, a Christian talk radio host whose program is heard on more than 100 stations.

On Wednesday, April 20, she and I talked on the air for nearly 30 minutes about CHM and how Christians through their membership are demonstrating love for each other as they see to their own health care cost needs.

These were extraordinary opportunities to present our New Testament model of the Body of Christ caring for its members, and we are grateful to God for each one.

The results have been, well, phenomenal. In the weeks following the “Huckabee” and Janet Parshall show appearances, we’ve added hundreds of new members. We’ve also received more than 11,000 requests for information about the ministry.

Each contact is being answered carefully. It is imperative that prospective members understand that we are not an insurance company. There are no contracts. There is no risk assignment. We

don’t set our monthly financial gifts based on age, health status, or any other factor. Those were points I stressed on “Huckabee.”

This ministry is an exercise of faith. Faith in God. Faith in each other. Faith that the 2,000-year-old Christian model is superior to anything that mankind can create or devise.

I’m grateful to be a part of it, both as an employee and as a CHM member. I hope you’re pleased as well.

Thank you from the bottom of every CHM employee’s heart for your membership in this ministry. We are here to serve Him—and you—in every way we can for His glory and for your benefit.

“When I and two CHM members sat down to be

interviewed by former Gov. Mike Huckabee...I hoped to accomplish two things:

first, to glorify God; second, to declare the good news

that Christians are caring for each other by sharing in

paying each other’s medical bills. ”

Christian Healthcare Ministries • June 2011 3

CHM member’s book encourages Christians to say, “Use Me, Lord”

Christian Healthcare Ministries member Helena Ohmen of White Pine, Tenn., encourages Christians to say, “Use me, Lord.” The author of Use Me, Lord: Incredible Miracles Happen for Those Who Believe, Helena writes that extraordinary events unfold when believers surrender themselves to God’s will.

Use Me, Lord is a collection of short, easy-to-read true stories from Helena’s life, including her family’s obedience to God’s direction to move away from family and friends in New Jersey to begin a new life in Tennessee. Each of the 25 chapters highlights miraculous

events in which God was faithful to answer prayer requests made in the name of Jesus Christ.

“I wrote Use Me, Lord to encourage and strengthen Christians as they wait on the Lord to provide for their needs,” Helena said. “Witnessing God’s answers to prayer helps us draw closer to Him.”

Helena said that at first she resisted God’s call to write the book, claiming that she was too busy. After she lost her job, she heard God say, “Now, write the book.” Helena obeyed and the book was published

CHM income statements 2006-2011* (in thousands of dollars)

*Percentages may not add up to 100 percent due to rounding.

Total revenues(Monthly gifts, extra gifts)

Medical bills shared

Program services

Administrative expenses

2006

$15,519

$12,610 81%

$2,407 16%

$627 4%

2007

$15,662

$12,334 79%

$2,631 17%

$702 4%

2008

$18,039

$13,981 78%

$2,842 16%

$677 4%

2009

$17,533

$13,881 79%

$2,982 17%

$622 4%

2010

$18,665

$14,647 78%

$3,315 18%

$671 4%

2011 (budget)

$21,120

$16,800 80%

$3,488 17%

$712 3%

Editor’s note: To request more information about CHM finances, contact chief financial officer Roger Kittelson at [email protected].

“Christian Healthcare Ministries’ increased revenues over the past five

years have shortened the sharing time for members’ medical bills.

Also, we are keeping administrative costs down. The ministry is in good

financial health.”-Roger Kittelson

CHM chief financial officer

See “Use Me, Lord,” page 12

Christian Healthcare Ministries • June 20114

Medical Consultant

Christian HealthcareMinistries127 Hazelwood Ave.Barberton, OH 44203

Phone: 800-791-6225Fax: 330-848-4322

E-mail: [email protected]

Health education resources at:www.chministries.org/healthinfo.aspx

Dr. Michael Jacobson, D.O.

The heart: seat of the intellect

Healthwatch - promoting biblical health and wellness by Dr. Michael Jacobson, D.O.

© Dr. Michael D. Jacobson. This article may not be reproduced without permission.

This article is excerpted from Dr. Jacobson’s book, The Word On Health, originally published by Moody Press and available by contacting the Ministry Information department at 1-800-791-6225 or [email protected].

The first two biblical mentions of the word “heart” occur in Genesis 6:5 and 8:21:

The Lord saw how great the wickedness of the human race had become on the earth, and that every inclination of the thoughts of the human heart was only evil all the time. The Lord regretted that He had made human beings on the earth, and His heart was deeply troubled.

And the Lord smelled a sweet savour; and the Lord said in His heart, I will not again curse the ground any more for man’s sake; for the imagination of man’s heart is evil from his youth; neither will I again smite any more every thing living, as I have done. In his book How to Worship Jesus Christ, Joseph Carroll states that these Scriptures indicate that the heart has several key functions:

• It is the seat of our intellect.• It is the seat of our emotions.• It is the seat of our will. In addition, I believe that these passages also indicate the following:

• The heart is the seat of our motives.

As human beings, we are spirit, soul and body. Our spirit enables us to communicate with our heavenly Father. Our soul—including our mind, will and emotions—is what gives us our unique personality that allows us to interact with one another. Our physical body houses our spirit and soul.

We all have experienced situations in which something we have heard or seen troubled our spirit or soul. Often these occurrences cause a physical effect on our hearts. I’m certain you can recall a time when you heard some bad news and your heart “sank.”

Scripture indicates that the heart is a major point of interaction with the spirit:

• Deuteronomy 2:30 ...for the Lord thy God hardened his spirit, and made his heart obstinate, that he might deliver him into thy hand.

• Psalms 51:17 The sacrifices of God are a broken spirit: a broken and a contrite heart, O God, thou wilt not despise.

• Proverbs 15:13 A merry heart makes a cheerful countenance: but by sorrow of the heart the spirit is broken.

• Romans 2:29 But he is a Jew, which is one inwardly; and circumcision is that of the heart, in the spirit, and not in the letter…

• 2 Corinthians 3:3 For as

much as ye are manifestly declared to be the epistle of Christ ministered by us, written not with ink, but with the Spirit of the living God; not in tables of stone, but in fleshy tables of the heart.

• Hebrews 4:12 For the word of God is quick, and powerful, and sharper than any two-edged sword, piercing even to the dividing asunder of soul and spirit, and of the joints and marrow, and is a discerner of the thoughts and intents of the heart.

These passages illustrate that the heart has intentions (motives) that can be pure, sincere, centered on others, and Christ-like. Conversely, they can be self-centered or bent toward evil or harm. My personal belief is that our hearts will either be led by the Spirit toward that which is good and positive, or we will allow them to be led by our carnal nature (what Scripture refers to as our flesh) into destructive behavior.

See “Heart,” page 13


Bring-a-Friend: a free way to meet your health care costsMany Christian Healthcare Ministries members have earned free months—and some have even earned years—of ministry participation through the Bring-a-Friend program.

Bring-a-Friend enables CHM members to receive a free month of participation every time you bring a new Christian individual or family into the ministry.

It’s easy to use Bring-a-Friend:

1) Tell your Christian friends and family members about the affordable,

biblically-based health cost assistance offered through CHM.

2) Ask your friends to put your name and CHM member number in the sponsor section of the member application (available online at www.chministries.org/application.aspx).

3) You will receive a free month after the new member has been a CHM participant for three months.

There is no limit to the number of free months you can earn through Bring-a-Friend. If you bring a new individual or family into the ministry each month,

you can be a part of Christian Healthcare Ministries—free!

With Bring-a-Friend you’ll be helping your Christian friends and family members discover an affordable, compassionate, Bible-based solution for their health care costs while presenting a tangible expression of Christian love and care for each other.

Editor’s note: To learn more about Bring-a-Friend or CHM’s church outreach program, Share the Message, visit www.chministries.org/sharingCHM.aspx.

Member recognitionWelcome to the member recognition section of the CHM newsletter. This section periodically gives special thanks to participants who have “gone the extra mile” for the ministry.

Hundreds of CHM members bring family and friends into the ministry through the Bring-a-Friend program. The following people brought two or more friends from July 2010 through March 2011:

Editor’s note: Questions about the Bring-a-Friend program? Visit www.chministries.org/bringafriend.aspx or call the Ministry Information department at 1-800-791-6225.

Kenneth AikinsWayne AndersenAlvin AustinRick BandaWilliam BecktonSeth BucknerMarcus BurgeRalph BurkholderShane ClaiborneBen ColburnGene CullumPamela Davis

Fort Wayne, INBurlington, NCFerrum, VAAustin, TXCasper, WYJefferson, TXJacksonville, FLBaring, MOPhiladelphia, PAMilton, KYBooneville, MSKnoxville, TN

Shirley DowlingKathy DudleyGary EbyJoseph EmertLloyd EshCynthia GilbertJessie GivensLinda GleasonLea GlennonPamela GuntrumHomer HollabaughDon JamesAmos KingGeorge KordaJonathan KramerKimberly KuntzHenry LehmanTimothy LewisChrista LamphereTerry LawrenceLarry LeckroneJerry McGillivrayDean MillerDaniel MorrellManfred Nolywaika

Lake Placid, FLJacksonville, FL Ephrata, PAFindlay, OHNew Holland, PAFountain Valley, CABrookhaven, MSOregon City, ORValparaiso, INLisbon, OHFranklin, PAColumbus, GAGordonville, PAKnoxville, TNPlain City, OHKirksville, MORosebush, MIBranson, MOClark Fork, IDHudson, OHNorman, INChinook, MTMiddlebury, INDunbar, WINenana, AK

Gerald OswaldJames ParkDonna PollardDiane RedmondGreg RoseDavid SchroederClyde SeifertLucinda ShellenbergerShelley SmuckerErna StarrChester StoltzfusRobert StricklandDaniel TaylorMark TheologouLaVerne TrippDaniel TroyerJay UldrychMartin WeaverRobert Zimmerman

Shickley, NEBurke, VAOregon City, ORPompano Beach, FLBaltimore, OHTruckee, CAPowell, WYMt. Joy, PAHarrisburg, ORCanby, ORNarvon, PAHartwell, GALafayette, INCharlotte, NCGallatin, TNTrout Creek, MTGlendale, AZTrout Creek, MTDakota, IL


Financial: Prayer Page Giving

Each need would be met in full if each member family contributed:

• $61.59 this month -or-• $20.53 for the next three months -or-• $10.27 for the next six months

Together, we can make eliminating these bills a reality! These amounts are suggestions; please consider giving today.

Prayer Page total needs remaining this month: $654,974

Spiritual: Prayer Page encouragement

Kim Cornett London, Ky. • Total need: $14,226 • Prayer Page gifts received to date: $1,845 • Need remaining: $12,381

Our family has been Christian Healthcare Ministries members since February 2010. My husband, Cam, and I attended the same high school and became Christians before we graduated. We were married six years later and we now have two children, Ashley and Jarrett.

I had always struggled with my weight, but wanted to be more active and better able to care for my family. After many years and many failed attempts at losing weight, I followed my doctor’s advice and underwent gastric bypass surgery. It was a great success: I lost 155 pounds! I have been able to keep off most of the weight.

After the surgery I did many things with my family again: camping, fishing, coaching soccer and softball and participating in church events. I was able to enjoy life again and things went well for nearly six years.

In November 2009 I experienced stricture—shrinkage of scar tissue. My doctor discovered that I had developed scar tissue in my abdominal lower bowel.

On Dec. 18, 2009, I had laparoscopic surgery to remove the adhesions. Two weeks later I returned to the hospital to have more scar tissue removed and to undergo reconstruction of my small intestine. My recovery from the surgeries was slow but successful.

In April 2010 I developed an incisional hernia from my previous surgeries and due to giving birth to Jarrett by C-section. I had surgery again on May 5 to undergo hernia repair; it took the rest of the year to recover from the operation.

Before the final surgery I had

Meet the Prayer Page participantsNote: The Prayer Page begins on page 7.

The Cornett family (L-R): Cam, Ashley, Kim and Jarrett

Prayer Page needs met:

Sally Hazard, Augusta, Wis.Condition: Knee replacement surgeryBills: $47,955

Crystal Helman, Norwalk, OhioCondition: Gallbladder surgeryBills: $13,434

Shelia McDaniel, Covington, Ky.Condition: GlaucomaBills: $3,865

Gloria Parker, Coleman, TexasCondition: Abscess removalBills: $964

We rejoice that these needs have been met and thank all who contributed! We ask your continued generosity toward other Prayer Page needs.

Sally Hazard and family

See “Cornett,” page 11

Christian Healthcare Ministries

Prayer PageAll the believers were one in heart and mind. No

one claimed that any of his possessions was his

own, but they shared everything they had...There

were no needy persons among them. Acts 2:32, 34a

June 2011


Prayer Page

127 Hazelwood AveAttn: Prayer Page

Barberton, OH 44203

Phone: 800-791-6225 (ask for the Prayer

Page)Fax: 330-798-6105

www.chministries.orgE-mail: prayerpage@

chministries.org

What is the Prayer Page?The Prayer Page is an additional means by which CHM members help other Christians.

Most of the medical needs listed on these pages are ongoing bills from pre-existing conditions, which do not qualify for sharing under Christian Healthcare Ministries Guidelines. (They are not bills incurred before members joined CHM.)

Giving to needs listed on these pages is not your CHM monthly gift. It is an opportunity to give over and above your gift amount. We urge you to send cards of encouragement even if you are unable to contribute financially.

See the sidebars on pages 8-10 for more information on how to give.

7

Prayer Page needs do not qualify for sharing under Christian Healthcare Ministries Guidelines. (See left sidebar)

1. Gene Aikens: 1113 Murfreesboro Rd., Suite 106-340, Franklin, TN 37064 Gene had surgery for gallstone removal and has bills totaling $19,834. UPDATE: Gene reports $7,323 in gifts. He now needs $12,511.

2. Leon Baertschi: 3793 N State Hwy AB, Springfield, MO 65803 Leon underwent quintuple bypass surgery and incurred bills for $80,957. He received a $50,845 bill write-off, bringing his total to $30,112. UPDATE: Leon reports $15,461 in gifts. He now needs $14,651.

3. Kathy Barnes: 1445 Ink Grade Rd., Pope Valley, CA 94567 Kathy requests help with $2,003 in bills she incurred from treatment of rheumatoid arthritis. UPDATE: Kathy received $996 in gifts, bringing the total need to $1,007.

4. Madeline Blades: 1733 Hillcrest Dr., Carthage, MO 64836 Madeline’s husband, James, underwent knee replacement surgery and incurred bills totaling $29,000. James passed away in August 2010; Madeline requests your help to pay his remaining bills. UPDATE: James received $13,665 in gifts, bringing the need to $15,335.

5. Michael Bradford: 170 SE Smith Rd., Eva, AL 35621 Michael suffers from sleep apnea and asks the CHM family for help with bills totaling $3,439. UPDATE: Michael reports $1,635 in gifts, bringing the amount

needed to $1,804.

6. Clarence Brobst: 3318 Rosedale Ave., Laureldale, PA 19605 Clarence asks the CHM family for help with $4,321 in hospital bills for chest pain. UPDATE: Clarence has received $972 in reductions and $1,575 in gifts, bringing the amount needed to $1,774.

7. Duane Bryant: 3718 32 West, Crawfordsville, IN 47933 Duane suffers from lower back pain. He received $7,355 in bill reductions and asks for help with his remaining $2,351 in bills.

8. Lindi Burgess: 4980 Lenville Rd., Moscow, ID 83843 Lindi suffers debilitating fatigue due to a hysterectomy and other medical issues. She is not able to work outside of her home. She incurred $18,615 in bills and asks the ministry family for prayers and financial help. UPDATE: Lindi reports $4,197 in reductions and $2,663 in gifts, bringing the total needed to $11,755.

9. Liliana Castro: 3971 Covey Flush Ct., Smyrna, GA 30082 Liliana asks the CHM family for help with bills totaling $8,336 for the birth of her second son, Jonathan. UPDATE: Liliana reports $3,791 in gifts, bringing the total needed to $4,545.

10. Michael Copeland: PO Box 12702, Knoxville, TN 37912 Mike underwent seven bypass heart surgery and requests financial help and prayer. After reductions, his bills total $48,655. UPDATE: Michael received $2,238 in gifts, bringing the need to $46,417.

11. Kim Cornett: 80 Grimes Rd., London, KY 40741 Kim had surgery to repair a hernia. After nearly $11,300 in reductions, she requests prayer and help with $14,226 in bills. UPDATE: Kim received $1,845 in gifts. She now needs $12,381.

12. Billy Cox: 4390 Liberty Lane, Conway, SC 29527 Billy incurred bills for $70,663 for artery blockage. He asks the CHM family for help. UPDATE: Billy has received $30,852 so far in gifts, leaving $39,811 in bills to be met.

13. June Dalton: 1500 Edgington Rd., South Salem, OH 45681 June underwent removal of basal cell cancer and asks the CHM family for help with bills totaling $6,474. UPDATE: June received $796 in gifts, bringing the need to $5,678.

14. John Paul Dodd: 711 Kimberly Ct., Caldwell, ID 83605 John Paul underwent a pacemaker replacement operation and incurred $10,372 in medical bills. UPDATE: John Paul has received $1,965 in gifts, bringing the amount needed to $8,407.

15. Geneva Elsberry: 29240 Wiseman Rd., Ravenna, NE 68869 Geneva underwent knee replacement surgery and asks for help with $1,533 in medical bills. UPDATE: Geneva has received $380 in gifts, bringing the need to $1,153.

16. Terry Estes: 105 Midway Park Lane, Taylorsville, NC 28681 Terry underwent cataract surgery and asks the CHM family for help with $2,896 in bills.

Continued on page 8

Prayer Page • June 20118

Who can give?

All readers are invited to give to Prayer Page needs (above regular monthly gifts) as they feel led.

All giving is voluntary; there is no obligation to give to Prayer Page needs to remain a CHM participant.

How much should I give?

Give however much you feel led to give.

See the “Financial: Prayer Page giving” box on page 6 for suggestions.

How do I send my gift?

You have two options for sending your gift to a fellow Christian listed on these pages:

Option 1: You can send financial gifts directly to people listed on these pages.

Please make your check out to the recipient you choose. You also can send a card or encouraging note. The Giving Guide on page 9 can help you choose a recipient.

Continued on the page 9 sidebar

And the prayer offered in faith will make the sick person well; the Lord will raise hi

UPDATE: Terry received $425 in gifts, bringing the need to $2,471.

17. Marcia Fackler: 5731 Winton Rd., Fairfield, OH 45014 Marcia underwent rotator cuff surgery for a pre-existing condition and incurred bills totaling $4,708. UPDATE: Marcia reports $2,779 in gifts, bringing the total to $1,929.

18. George Farris: 100 Ridgelawn Dr., Vicksburg, MS 39183 George underwent double bypass surgery following a heart attack. He later was hospitalized due to a failed artery. He incurred $182,379 in bills and received $96,410 in reductions, bringing the amount needed to $85,969. UPDATE: George has received $3,338 in gifts, bringing the total needed to $82,631.

19. Nova Ferguson: 5466 Knauss Rd., Sycamore, OH 44882 Nova suffered severe shoulder, arm and chest pain. Thankfully, she did not experience a heart attack. She incurred $7,482 in medical bills. UPDATE: Nova has received $1,180 in gifts, bringing the total needed to $6,302.

20. Norman Ford: 108 Cypress Pond Rd., Port Orange, FL 32128 Norman underwent three surgeries resulting from a kidney stone. He asks the CHM family for help with $2,731 in bills.

21. Cheryl Funk: 813 Crown Ridge Rd., Sedona, AZ 86351 Cheryl underwent cataract surgery and incurred bills totaling $7,127 after reductions. UPDATE: Cheryl received $463 in gifts, bringing the need to $6,664.

22. Marvin & Teresa Goebel: 14475 Old Lasso Pt., Colorado

Springs, CO 80921 The Goebels’ son, Matthew, underwent hernia surgery and incurred $4,933 in medical bills.

23. Rochelle Goertzen: 35236 Ede Rd., Lebanon, OR 97355 Rochelle underwent two total hip replacement surgeries. She is thankful that one has been completely paid and she asks the CHM family for help with the remaining $52,906 in bills. UPDATE: Rochelle has received $4,736 in reductions and $8,355 in gifts, bringing the amount needed to $39,815.

24. Nancy Graham: 2401 2nd Ave., Upper Chichester, PA 19061 Nancy underwent treatment for a bladder condition. Her bills total $9,097. UPDATE: Nancy received $675 in reductions and $2,282 in gifts, bringing the need to $6,140.

25. Raymond Hall: 10961 S 250th E Ave., Broken Arrow, OK 74014 Raymond suffers from thoracic outlet syndrome, a painful shoulder condition that required surgery. He has bills totaling $60,762. UPDATE: Praise God! Raymond received $35,276 in reductions and $9,183 in gifts, bringing the total to $16,303.

26. Jack Hannum: 1112 Barbara Dr., New Castle, IN 47362 Jack underwent testing for and surgery on his heart. After reductions and a gift from his church, his remaining bills total $10,275. He thanks CHM members in advance for their help. UPDATE: Jack received $1,361 in gifts and added $265 in bills, bringing the total need to $9,179.

27. Tanya Hodge: PO Box 45, Basin, WY 82410 Tanya incurred $9,822 in bills while undergoing treatment for abdominal pain.

Please remember Tanya with your prayers and financial gifts.

28. Becky Hughes: 6360 Old Highway 441 N, Baldwin, GA 30511 Becky had surgery to remove an ovarian cyst. She received more than $14,000 in reductions and asks for help with remaining bills totaling $3,642. UPDATE: Becky reports $1,348 in gifts, bringing the amount needed to $2,294.

29. Paul Jehle: 14 Homestead Rd., Sagamore Beach, MA 02562 Paul suffers from supraventricular tachycardia, a heart rhythm disorder. He incurred bills totaling $11,456 and asks the CHM family for prayer and financial help. UPDATE: Paul has received $1,227 in reductions, bringing the total needed to $10,229.

30. Anne Jones: 340 Greenleaf Lane, Bryan, TX 77808 Anne underwent an emergency hysterectomy. She obtained $39,461 in bill reductions and still has $14,874 remaining. UPDATE: Anne has received $8,629 in gifts, bringing the total needed to $6,245.

31. Susan Jones: 3885 Knight Lane, Sulphur, OK 73086 Susan underwent diagnostic testing for a pre-existing condition and incurred bills totaling $1,671. She requests prayer and financial gifts from the CHM family. UPDATE: Susan received $185 in gifts, bringing the need to $1,486.

32. Mary Legatt: 5798 Glenview Lane, St. Cloud, MN 56303 Mary underwent surgery for varicose veins that were causing life-threatening blood clots. After reductions, her bills total $2,795. Please remember Mary with your prayers and financial gifts.

Prayer Page • October 2008 9

How do I use the Giving

Guide?

In the Giving Guide, find the range of membership numbers in which your number falls. You can send a gift to the need number that corresponds to your member number.

For example, if your number is 110000, you would send to need #24.

These directions are only suggestions; if you are not a CHM member or feel led by the Lord to give to a need other than the one suggested, please do so!

How do I send my gift? (Continued from the page 8 sidebar)

Option 2: You can send financial gifts to the CHM office and they will be forwarded to the recipient you choose. The advantage is that gifts sent in this manner are tax deductible.

Please make your check out to CHM and write “Prayer Page” and the name of the gift recipient in the memo line. We will deposit your check and generate another check to send to the recipient of your choice. We will forward any card or encouraging note that you include, or you can send it directly to the recipient.

Continued on the page 10 sidebar

Prayer Page • June 2011 9m up...The prayer of a righteous man is powerful and effective...James 5:15a, 16b

33. Waldo S. Legendre, Jr.: 217 Walnut St., Covington, LA 70433 Waldo suffered from congestive heart failure and had to have stents inserted. He asks for help with $159,763 in bills. UPDATE: Waldo reports $60,295 in reductions and $38,866 in gifts, bringing the need to $60,602.

34. Diana Manners: PO Box 102, Damascus, OH 44691 Diana suffers from a gallbladder condition and asks for help with bills totaling $11,907. UPDATE: Diana reports $6,360 in gifts, bringing the total need to $5,547.

35. Bobby D. Memory, Jr.: PO Box 3943, Wilmington, NC 28406 Bobby was born with a congenital condition. He now needs help with $27,534 in bills from a pacemaker replacement. UPDATE: Bobby reports $3,437 in reductions and $10,067 in gifts. He now needs $14,030.

36. Murray Minter: 318 Narnia Loop, Spring City, TN 37381 Murray was diagnosed with rectal cancer and underwent chemotherapy and radiation treatment. His bills total $10,518. He asks for financial help and prayer from the CHM family. UPDATE: Murray received $1,505 in reductions and $1,427 in gifts, bringing the total needed to $7,586.

37. Ed Murray: 203 Rendezvous Rd., Riverton, WY 82501 Ed was diagnosed with polycythemia, a red blood cell disorder. After reductions, his bills total $11,593.

UPDATE: Ed has received $3,157 in gifts and $2,134 in reductions. He has $6,302 in bills to be met.

38. Frank Neumeister: 28 Frank Lane, Ashland, PA 17921 Frank incurred bills from a heart condition for $38,220. UPDATE:

Frank has received $2,593 in reductions and $25,189 in gifts, bringing the need to $10,438.

39. William Newton: 5911 Country Brook Ct., Sugar Land TX 77479 William underwent knee replacement surgery and incurred bills totaling $17,277. He asks the CHM family for

financial gifts and prayer. UPDATE: William has received $2,760 in gifts, bringing the amount needed to $14,517.

40. Debra Panter: 2711 Nickel Ave., Crescent City, CA 95531 Debra underwent a hysterectomy.

She asks the CHM family for help with bills totaling $39,185. UPDATE: Debra has received $7,052 in reductions and $13,826 in gifts, bringing the total needed to $18,307.

41. Ronda Pearson: 57 Jack’s Circle, Shell Knob, MO 65747 Ronda underwent surgery for an eye condition and incurred $6,953 in bills. She asks the CHM family for help. UPDATE: Ronda has received $1,385 in gifts, bringing the total needed to $5,568.

42. Calvin Ratzlaff: 40596 307th St., Avon, SD 57315 Calvin suffers from hyperparathyroidism and has $16,213 in medical bills. UPDATE: Calvin received $2,051 in gifts, bringing the need to $14,162.

43. Lesley Rennie: 114 Crystal Run Dr., Middletown, DE 19709 Lesley became pregnant within the 45-day waiting period after joining CHM. She needs help with $10,680 in bills. UPDATE: Lesley received $3,874 in gifts, bringing the total to $6,806.

Membership # Need # Membership # Need #

Giving Guide

100025-100202

100206-100477

100489-100723

100738-101165

101170-101607

101608-102100

102101-102616

102641-103099

103137-103957

103971-104474

104485-104906

104919-105418

105421-105934

105935-106385

106395-106867

106869-107369

107371-107846

107848-108368

108371-108760

108765-109110

109116-109507

109509-109881

109886-110253

110256-110617

110618-110929

110932-111261

111262-111547

111551-111911

03

15

54

31

06

05

17

47

28

07

16

20

32

53

44

09

22

45

34

41

13

46

24

30

37

19

50

21

111915-112239

112240-112552

112561-112971

112983-113407

113409-113759

113761-114114

114116-114474

114475-114811

114816-115212

115217-115785

115800-117078

117085-118408

118415-120003

120016-121775

121777-123779

123796-125484

125492-127350

127353-129025

129037-131197

131207-133410

133419-135938

135939-138423

138425-142030

142031-143889

143890-144875

144876-145918

145919-147084

147085-148458

43

36

14

48

26

27

56

29

38

51

55

08

11

01

49

35

42

39

02

04

25

40

52

12

23

10

33

18

How do I send my gift? (Continued from the page 9 sidebar)

Please send your gift to:Christian Healthcare MinistriesAttn: Gift Processing127 Hazelwood Ave.Barberton, OH 44203

Any gifts designated for a person not on the Prayer Page will be forwarded to another recipient.

Prayer Page • June 201110

I am listed on the Prayer Page.

What are my responsibilities?

Individuals listed on the Prayer Page must report what monies they receive each month by the 15th (or the first business day after the 15th) of the following month.

Mail in your Donor Information Form, e-mail [email protected] or call 800-971-6225 and ask for the Prayer Page.

The Donor Information Form also is available online at www.chministries.org/downloadforms.aspx

To act fairly to everyone listed, Prayer Page guidelines state that CHM staff may rotate needs and remove listings of unresponsive persons without notice.

To obtain a copy of Prayer Page guidelines, contact us at the e-mail address or phone number listed above.

44. Joanne Roberts: 735 Addison Square, Kalispell, MT 59901 Joanne underwent treatment for sciatic nerve pain and incurred $4,699 in bills. UPDATE: Joanne has received $1,401 in gifts, bringing the total needed to $3,298. 45. Sally Roe: 2899 Sylvania Rd., Troy, PA 16947 Sally incurred $9,417 in bills for a congenital kidney condition. UPDATE: Sally received $3,893 in gifts, bringing the total needed to $5,524.

46. Joshua Sargeant: 6743 Corban Way, MacClenny, FL 32063 Joshua, the infant son of David and Tamara Sargeant, was born with hypospadias. He underwent surgery and incurred $7,266 in bills. UPDATE: Joshua received $1,435 in gifts, bringing the need to $5,831.

47. Tamara Sargeant: 6743 Corban Way, MacClenny, FL 32063 Tamara became pregnant within the 45-day waiting period after joining CHM. She incurred $3,520 in bills and asks the CHM family for help and prayer. UPDATE: Tamara received $1,269 in gifts, bringing the need to $2,251.

48. Donald Schwarz: 3209 Nottingham St., Pearland, TX 77581 Donald underwent partial shoulder replacement surgery and is trusting God to meet his need through CHM members. After reductions totaling more than $35,000, Donald’s remaining bills are $8,702.

49. Mary Ann Scott: 1800 Alice Hall Rd., Golden, MS 38847 Mary Ann’s husband, Aubrey, had prostate cancer and passed away. Mary Ann still needs help to meet

his $97,622 in bills. UPDATE: Mary Ann received $73,917 in reductions and $10,583 in gifts, bringing the total to $13,122.

50. Barbara Smith: PO Box 1167, Rupert, WV 25984 Barbara underwent a hysterectomy to remove uterine cancer cells. She has bills totaling $10,334. UPDATE: Barbara received $962 in reductions and $2,770 in gifts, bringing the total to $6,602.

51. Rev. Myron Stump: PO Box 245, Union City, IN 47390 Rev. Stump incurred $38,593 in bills for heart surgery and asks the CHM family for help. UPDATE: Rev. Stump has received $14,794 in reductions and $13,303 in gifts, bringing the total to $10,496.

52. Lessie Triplett: 6939 Kuck Rd., Charlotte, NC 28227 Lessie underwent bladder surgery and asks for help with bills totaling $29,605. UPDATE: Lessie received $11,066 in gifts, bringing the total needed to $18,539.

53. Rachel Weaver: 1380 Oaklyn Dr., Mohnton, PA 19540 Rachel was in a car accident and underwent cervical disc replacement. She had a second surgery due to complications. She asks the CHM family for help with bills totaling $3,158.

54. John Willis: PO Box 222, Weesatche, TX 77993 John incurred $1,165 in bills from a pre-existing heart condition. Please remember John with your prayers and financial gifts.

55. Robert Winkel: N4651 State Rd. 26, Waupun, WI 53963 Robert had back surgery for a

ruptured disc. He asks the CHM family for help with bills totaling $14,369. UPDATE: Robert has received $3,440 in gifts, bringing the amount needed to $10,929.

56. Glen & Rachel Zehr: 1139 Covered Bridge Rd., Gladys, VA 24554 The Zehrs’ infant son, Kaiden, bit down on an electrical cord and severely burned his mouth. He incurred medical bills totaling $17,000. The Zehrs praise God that Kaiden is doing well. UPDATE: The Zehrs have received $7,058 in gifts, bringing the amount needed to $9,942.

Glenn Boyd: Unit 3019 SCSDR, 3170 Airmans Drive, Fort Pierce, FL 34946 Glenn suffered a heart attack while teaching in the Dominican Republic and was life flighted to the United States. His flight cost $16,700. UPDATE: Glenn has received a total of $7,959 in gifts, bringing the amount needed to $8,741.

Non-Assigned need:


Huckabee (continued from page 1)

“We saw steady and significant growth before the Huckabee segment aired, but this is in another category altogether,” said Russell. He added that this year’s growth rate already looks to surpass the significant growth seen from 2009 to 2010.

“It’s nothing short of God’s hand moving; that’s the only way it can be explained,” Russell said. “We are thrilled to be a part of it.”

Huckabee asked Russell questions about

how the ministry works and its ability to serve as something different from health insurance.

The Benhams shared the story of their infant daughter, Lundi, who suffered from pertussis (whooping cough). The family incurred tens of thousands of dollars in medical bills in the past year, all of which were shared by CHM members.

“People who contacted us after watching the Huckabee show presented us with excellent questions,” Russell said. “Our conversations with them have reinforced the fact that there are many Christians out there looking for a better solution—God’s solution—to rising health care costs. They’re exactly the people we’re here

to serve.”

Editor’s note: To view the Huckabee show segment on Christian Healthcare Ministries, visit www.chministries.org/news.aspx. To read more about the Benham family, see the CHM January 2010 newsletter at www.chministries.org/newsletters.aspx/CHMJanuary2010.pdf.

“We saw steady and significant growth before the Huckabee

segment aired, but this [new growth] is in another

category altogether.”

-Rev. Howard Russell

Guideline (continued from page 1)

medical bills for pre-existing conditions. In other words, the waiting period was irrelevant because the CHM Needs Processing department always uses patients’ medical records to determine whether a condition is pre-existing.

2) CHM is a ministry committed to following God’s leading and moving forward with integrity. At the same time, the ministry employs sound business

practices. The Board decided that waiving the waiting period will assist in growing the ministry and will help more Christians without undermining the ministry’s financial sustainability.

“As a ministry, we seek ways to do more for the people we serve,” said the Rev. Howard Russell, CHM executive director. “We are not an insurance company focused on meeting its bottom line. Our passion is

to make certain that the nature of God is reflected in CHM operations.”

Russell said there is a third reason the ministry removed its 45-day wait Guideline. “I am confident that with every such improvement to our ministry, the world will more clearly know that we are disciples of Christ. We accomplish this mission by fulfilling His instruction to love one another.”

Cornett (continued from page 6)

become a member of Christian Healthcare Ministries. I received an $11,300 medical bill reduction and was listed on the newsletter Prayer Page in October.

I thank God for my recovery and also thank CHM members for their prayers, cards of encouragement and financial donations. When our family joined the ministry, we had no idea of the positive impact it would

have on our lives and the lives of other believers. We want to remain members for many years to come and are thankful that such a ministry exists to serve Christians.

(L-R): Mike Huckabee interviews Rev. Howard Russell and Tori and Jason Benham on Fox News’ “Huckabee”


More teens lose hearing early in life

According to a study conducted by researchers at Harvard Medical School, more teenagers are losing their hearing.

Between 2005 and 2006, standard hearing test results and questionnaires were completed by 1,700 teenagers. Researchers compared the results to similar data collected on nearly 3,000 teens from 1988 to 1994.

Since public awareness of the detrimental effects of loud noise on hearing increased in recent years, researchers wanted to understand if this knowledge would show improvement in teens’ hearing tests compared to results from the previous decade.

The scientists were surprised to find that in nearly every category, hearing in adolescents was worse than in the previous study. The prevalence of hearing loss—defined as at least 15 decibels (dB) loss in any single frequency tested—rose by nearly one-third in all ages.

In addition, significant hearing loss of at least 25 dB rose from 3.5 percent to 5.3 percent. These losses were observed in the high frequency range, which is characteristic of noise-induced hearing loss.

A loss of 15 dB of hearing means that, at a given frequency (which corresponds to pitch), individuals needed an increased volume of 15 decibels to hear the tone. The study authors could not identify any underlying causal factors to explain the worsening trend.

As a U.S. Air Force flight surgeon, I work in an occupational environment that is characterized by very loud noise. Hearing tests are required on all aircrew members or individuals who work around aircraft

and other noise generators.

Part of my job is to review these tests. Although there are numerous workers with apparent noise-induced hearing loss, it’s also true that many aircrew members—who have spent their entire careers flying or working around or on jet aircraft—have perfect hearing. The difference is that the latter group safeguards their hearing by consistently using adequate ear protection gear.

Next time you see your child listening to an iPod, ask if you can put an ear bud in your ear to check the volume. Tell your teenager about this research study. Explain that hearing isn’t something your child can get back once it has been lost.

Shargorodsky, J., S. G. Curhan, et al. (2010). Change in prevalence of hearing loss in US adolescents. Journal of the American Medical Association 304(7): 772-778.

Compiled by Dr. Michael D. Jacobson, CHM medical consultant

Use Me, Lord (continued from page 3)

in 2010 by Xulon Press.

Helena and her husband, Fred, have been CHM members since August 2010. They have been married 31 years and have two children—David and Jessica—and one granddaughter, Aleisha.

She has served as a registered nurse for more than 30 years and said that over the years she met many people in need of healing and answers about the meaning of life. “I am a work in progress, but by the grace of God I will remain steadfast to His calling in my life to reach the lost and proclaim the truth,” she said.

To learn more or to order Use Me, Lord, visit Helena’s website at www.incrediblemiracles.com.

CHM member Helena Ohmen


Educational DVDs don’t help toddlers learn words

If you have young children or grandchildren, you may want to think twice before spending money on educational DVDs designed to teach toddlers vocabulary and other language skills..Researchers at the University of Virginia showed infants 12- to- 18 months old a popular and highly-rated educational DVD several times a week for four weeks. The video was designed to teach vocabulary words to toddlers. A control group of children did not view the video, but researchers monitored their language development.

Children who viewed the video did not add any more words to their vocabulary than the control group who did not view the video. The highest degree of learning took place in children whose parents taught the same words to their children during

everyday activities without using the video.

The researchers concluded that the amount of learning children gain from watching the DVD is negligible. They concluded that it is extremely important that learning takes place within the

context of a social environment—in other words, through relationships. Most children under age three do not appear to relate what they see on the screen to reality in the physical

world.

DeLoache, J. S., C. Chiong, et al. (2010). Do babies learn from baby media? Psychological Science 21(11): 1570-1574.

Compiled by Dr. Michael D. Jacobson, CHM medical consultant

Heart (continued from page 4)

CHM executive director Rev. Howard Russell and member Sam Davis pose at the International Holiness Convention held April 26-28 in Dayton, Ohio. Sam recently lost his wife, Nancy, who was shot and killed Jan. 26 by Mexican cartel gunmen. To read their story, access the CHM March 2011 newsletter at www.chministries.org/newsletter.aspx.

Candid corner

The Bible also makes it clear that our hearts have thoughts. In other words, our hearts have an intellect. This knowledge has been a puzzle to me over the years because, as a scientist, I believed that the mind does all of the thinking and that the heart merely serves as a pump for blood.

However, examples throughout Scripture indicate that the heart does think. Today, scientists are beginning to recognize that

the heart (at least the spiritual “heart”) does indeed have a significant intellectual function.

“The heart is a highly intelligent system that plays a far more central role in perception, mental/emotional balance and stress than previously believed. When people self-generate feelings of sincere love, care or appreciation, a corresponding coherence pattern appears in the frequency

spectrum of their ECG (electrocardiogram).It is as though the heart, brain, and rest of the body were designed to function best when we experience positive emotional states.”

Institute of HeartMath. 1995. IHM Research Update. Boulder Creek, CA: Institute of HeartMath.

Use Me, Lord (continued from page 3)


Letters to Christian Healthcare Ministries

We’d love to hear from you!Send us your letters:Christian Healthcare MinistriesAttn: Editor127 Hazelwood Ave.Barberton, OH 44203

[email protected]

Editor’s note: Letters sent to CHM and printed on this page may be edited for length or grammar.

Just as the church of Christ is not a building, Christian Healthcare Ministries is not an office in Ohio.

These letters represent what you who participate in CHM are accomplishing for each other and for the cause of Christ.

You, through your collective and faith-based sharing and support, make this ministry possible. We are privileged to serve you. We are privileged to serve Him.

-Rev. Howard Russell

Dear Prayer Page staff:

I can’t express how grateful I am to Christian Healthcare Ministries. The Prayer Page has been a wonderful vehicle through which God has provided for me and blessed me. I give the Lord all of the glory!

Thank you very much for your help. May God bless you abundantly.

In Christ,

Nancy BergApple Valley, MN

Dear Christian Healthcare Ministries:

Thank you so much for helping me with my remaining medical bills. I wish I could send more to help others, but I will do what I can.

All of my health care providers have been paid now thanks to you!

Sincerely,

Tom NewellEnnis, TX


I praise God for your ministry to His children. The CHM Needs Processing department staff members were so patient and helpful whenever I called the ministry. It

is such a relief to know that my medical needs have been met and a huge burden has been lifted. Praise the Lord!

Sincerely,

Geraldine SwansonLee’s Summit, MO

Dear CHM members:

My medical need has been listed on the Prayer Page for a few months. I want to tell everyone who prayed for me or sent me a monetary gift how much it has blessed and helped me. I truly feel honored and humbled to be the recipient of your care and concern.

Thank you so much,

Joanne RobertsKalispell, MT

Dear fellow CHM members:

Two years ago Dan lost his carpentry job of 20 years and we also lost our health insurance. Dan is a self-employed carpenter now. We’ve seen some lean times, but in His divine mercy, God continues to bless us.

Three of our family members have incurred large medical bills in the past year. However, thanks to the CHM staff and wonderful people like you, the burden has been light enough to bear.

In the love of Christ,

Dan & Betty ThoennesEudora, KS


I just want to say how much this ministry has blessed and helped me since I joined in 2005. The financial help has been tremendous and proves that we can’t “out-give” God.

I believe that when you give to help others, God will continue to bless you. That is what this ministry is about and is what it has done for me. Health insurance doesn’t come close to CHM and the knowledge that people of the same faith are praying for you.

I still have a long way to go to regain my health—and I pray that I do—but whatever the circumstance I know I can count on CHM to help.

I’m enclosing a financial gift for Prayer Page needs. I may be in their shoes one day.

Thank you again for your ministry and for your prayers and support. May God continue to bless His work.

Sincerely,

Pamala HarbisonEl Paso, TX

Prayer requests this month: These are prayer requests only. Please send your monthly financial gift to the CHM office (see instructions on your yellow Member Gift Form). We invite you to send cards or words of encouragement to the people listed below. Jon McGee: PO Box 85, Esom Hill, GA 30138 Jon requests prayer that God helps him overcome an addiction he has struggled with for many years.

Tim & Tanya Robinson: 102 Congress St., Apt. 3, Belfast, ME 04915 Tim suffers from shoulder pain and kidney problems. Also, he is a paraplegic and the Robinsons need a vehicle to accomodate his condition.

Farrell Brenneke: 4734 Stone St., Billings, MT 59101 Farrell has back and leg problems and requests prayer that his doctors will find the source of his pain.

Gwen Buscher: 97 Orchard Lane,

Durango, CO 81301 Gwen suffered two ruptured discs and asks for prayer for pain relief, healing and wisdom for the doctors.

Bob Hallett: 488 Shelley Lane, New Castle, IN 47362 Bob was in a car accident in November and still suffers from neck and lower back pain. Please keep him in prayer.

Virginia Roberts: PO Box 1171, York, SC 29745 Virginia recently contracted pneumonia and requests prayer.

Karen Hayes: 17709 Kennedy Rd., Rayne, LA 70578 Karen has been diagnosed with Stage III pancreatic cancer. Please pray for Karen during this hard time.

Janet Smith: 728 Legends View Dr., Eureka, MO 63025 Janet recently underwent medical testing for her heart.

Jesse & Charlotte Young: 315 Vanarsdell Rd., Salvisa, KY 40372 Charlotte was hospitalized for a heart problem. Please remember the Youngs in prayer.

Georgiana Eakins: 7630 Spring Dr., Boulder, CO 80303 Georgiana requests prayer for throat pain; she is a professional singer and is concerned about her livelihood.

Garry Moore: 1308 Fleur Dr., Waterloo, IA 50701 Garry recently had a heart catheterization and requests prayer.

Christian Healthcare Ministries (hereinafter “CHM”), a not-for-profit religious organization, is not an insurance company. No ministry operations or publications are offered through or operated by an insurance company. CHM does not guarantee or promise that your medical bills will be shared or assigned to others for financial gifts. Whether any CHM member chooses to share the burden of your medical bills will be entirely voluntary. As such, CHM should never be considered as a substitute for an insurance policy. Whether you receive any financial gifts for medical expenses and whether CHM continues to operate, you are always liable for any unpaid bills.

Especially for Florida Residents: A copy of the official registration and financial information may be obtained from the Division of Consumer Services by calling toll-free, within the state of Florida. Registration does not imply endorsement, approval, or recommendation by the State of Florida. 1-800-435-7352 Our Florida registration number is SC-03543. CHM has not retained any professional solicitors or professional fundraising consultants and 100% of each contribution is received by our organization.

Especially for Kentucky Residents: Notice: CHM is not an insurance company. CHM’s related operations and publications are not issued by an insurance company and they are not offered through an insurance company. CHM does not guarantee or promise that your medical bills will be shared or assigned to others for financial gifts. Whether any member chooses to share the burden of your medical bills will be totally voluntary. CHM should never be considered as a substitute for an insurance policy. Whether you receive any gifts for medical expenses, and whether or not CHM continues to operate, you will always remain liable for any unpaid bills.

Especially for Maryland Residents: Notice: CHM is not an insurance company. CHM’s related operations and publications are not issued by or offered through an insurance company. CHM does not guarantee or promise that your medical bills will be shared or assigned to others for financial gifts. No other member will be compelled to contribute toward the cost of your medical bills. Therefore, CHM should never be considered a substitute for an insurance policy. This activity is not regulated by the Maryland Insurance Administration, and your liabilities are not covered by the Maryland Life and Health Guarantee Fund. Whether or not you receive any financial gifts for medical expenses and whether or not CHM continues to operate, you are always liable for any unpaid bills.

Especially for Oklahoma Residents: This is not an insurance policy. It is a voluntary program that is neither approved, endorsed or regulated by the Oklahoma Department of Insurance and the program is not guaranteed under the Oklahoma Life and Health Insurance Guaranty Association.

Especially for Pennsylvania Residents: Notice: CHM is not an insurance company. CHM’s related operations and publications are not issued by or offered through an insurance company. CHM does not guarantee or promise that your medical bills will be shared or assigned to others for financial gifts. Whether any member chooses to share the burden of your medical bills will be totally voluntary. As such, CHM should never be considered as a substitute for insurance. Whether you receive any financial gifts for medical expenses, and whether or not CHM continues to operate, you are always liable for any unpaid bills.

Especially for South Dakota Residents: CHM is not an insurance company. CHM’s program is not an insurance contract. This plan does not fall under the jurisdiction of the South Dakota Division of Insurance and the plan is not covered under the South Dakota guaranty fund.

Especially for Wisconsin Residents: Attention: CHM is not an insurance company. CHM’s related operations and publications are not issued by or offered through an insurance company. CHM does not guarantee or promise that your medical bills will be shared or assigned to others for financial gifts. Whether any member chooses to share the burden of your medical bills is entirely voluntary. CHM should never be considered as a substitute for an insurance policy. Whether or not you receive any financial gifts for medical expenses, and whether or not CHM continues to operate, you will always remain responsible for the payment of your own medical bills.

CHM legal notices


NONPROFIT ORG.

US POSTAGE PAID

AKRON OH 44309

PERMIT NO. 1075


Ministry growth accelerates following CHM segment on Fox News’ “Huckabee” • CHM cancels Guideline regarding 45-day wait Spreading the word about CHM • Member’s book encourages Christians to say, “Use Me, Lord” • CHM income statements 2006-2011 • Healthwatch • Bring-a-Friend: a free way to

meet your health care costs • Member recognition • Prayer Page testimony: Kim Cornett • Prayer Page • Letters to CHM

Monthly prayer requests

June 2011

In this issue:

in this issue following chm segment on fox news ... · pdf filemembers had to wait 45 days...

Documents