The average national cost of giving birth to a healthy baby in a hospital is between $5,000 and $10,000. C-section deliveries are usually twice as much.

Christian Healthcare Ministries offers a comprehensive maternity program at no extra cost to members. CHM participants share qualifying bills up to $125,000 per pregnancy* for pre-natal care, delivery, home births, midwives, postnatal care and birth complications.

See CHM Guideline J for complete maternity information, including premature births, infertility, circumcision and adoption.

Maternity needs are eligible for sharing according to the member's participation level. Please evaluate our participation levels before becoming pregnant to decide which level is right for you.

*Your Personal Responsibility amount cannot be shared by Christian Healthcare Ministries.

Step-by-step guide to maximizing the CHM maternity program

1. Obtain medical care as soon as you know you’re pregnant.

2. Ask for an estimate of charges on your clinic/hospital/doctor’s letterhead. These charges are often bundled as a one or two-day stay (sometimes called a “Stork Package”) and are significantly less expensive than being admitted to a facility when it’s time to give birth.

3. Submit the estimate of charges and/or bills to the Christian Healthcare Ministries office. Early submission speeds the time for bill sharing. Notify the CHM office immediately if your health care provider sets a time limit for reduced charges (seven months is common.)

4. Any charge (lab, sonogram, etc.) incurred after the original estimate/bills are submitted should be sent to the CHM office as an “add-on” to the initial amount. Add-on and original bills will be presented for sharing at the same time.

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