Christian HealthcareMinistries®

A voluntary medical cost-sharing organization givingmembers an opportunity topractice the New Testamentprinciple of carrying each other’s burdens.

Executive Director: Rev. Howard Russell

Chief Financial Officer: Roger Kittelson

Editor: Lauren Selleck

Assistant Editor: Michelle Rhoads

Contributing writers: Rev. Howard

Russell, Dr. Michael Jacobson, George

Korda, Lauren Selleck, Michelle Rhoads

127 Hazelwood AveBarberton, OH 44203

Phone: 800-791-6225330-848-1511

Fax: 330-848-4322

Hours: Mon-Fri 9am-Noon,12:30-5pm

www.chministries.orgE-mail: info@chministries.org

In This IssueMeet the Prayer Page

participants . . . . . . . . . .1

Members’ bill reductions . .1

Modern day disciples . . . . .2

Trends shaping our

environment and world . . .3

What’s in it for you? . . . .4

Letters to CHM . . . . . . .6

Prayer Page . . . . . . . . . .7

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.

July 2007

Members receive tens of thousands of dollarsin bill reductionsGerald Padgett, Greenville, S.C.• 100 percent write-off on hospital bill (after

one small payment made by members)• 100 percent on kidney center bills• 100 percent on renal care center bills• Total amount reduced: Approximately

$92,000

In March 2006, Gerald experienced kidneyfailure and was hospitalized for two weeks.He was diagnosed with end-stage renaldisease (ESRD). He eventually had toundergo dialysis three times per week.

Gerald knew when he began receiving hismedical bills that it was time to seek

financial assistance. “Thehospital bill alone was about$86,000,” he said. “That didn’tinclude any of the bills fromthe doctors, surgeons, ordialysis.”

He submitted most of his billsto Christian HealthcareMinistries, but was informedthat his condition was pre-existing because symptomsbegan before he joined CHM.

However, Gerald remembered hearing fromCHM that many health care providers reducebills for self-pay patients.

“I had read the various testimonies fromCHM members in the monthly newsletter,”he said. “They had received large reductionson their medical bills, so I decided that Ishould ask my providers, too.”

With encouragement and advice from CHMand The Karis Group, a partnering Christianpatient advocacy organization, Geraldobtained a 100 percent write-off on hishospital bills. Other providers soon followedthe hospital’s example and wrote off theircharges.

“Getting reductions is important because ithelps keep monthly gift amounts low,” hesaid.

see “Reductions,” page 5

Editor’s note: The following individuals arelisted on the monthly newsletter Prayer Page,another vehicle by which Christians helpChristians meet medical needs.

The Prayer Page is primarily for bills for pre-existing conditions, which do not qualify forsharing under CHM Guidelines. All newsletterreaders are invited to give to Prayer Page needs(over and above regular monthly gifts) as theyfeel led. See page 7 for more details.

Melody and Dan ClendenenBluffton, SCMedical need: $3,200 for RSV shots for

infant daughter, KelseyPrayer Page gifts received to date: $793Need remaining: $2,407

During a routine maternity visit in April2005, doctors found that I had lowamniotic fluid. I was about 22 weeks intomy pregnancy and was told that the babymay be physically or mentally challenged orpossibly would not survive if fluid levelsdid not increase.

After three weeks of drinking a lot offluids and receiving many prayers fromfamily and friends, my amniotic fluidlevels rose. At each subsequent check-up,levels were higher.

However, the baby stopped growing whenthe pregnancy reached 34 weeks. Doctorswere mystified and watched closely for thenext two weeks. At 36 weeks, theydecided to bring the babyinto this world since therewas a good chance herlungs would be developedenough to function ontheir own.

Our daughter, Kelsey, wasdelivered successfully onJuly 12, 2005. She wasplaced on oxygen andbegan breathing on herown after one hour.

Since Kelsey was premature, the doctorstold me that she was at risk of contractingRespiratory Cyncytial Virus (RSV).

The baby needed to receive amonthly vaccine during thecold and flu season (Octoberthrough April).

Thankfully, I was still onmedical leave with the

company I worked for before Kelsey was

Meet the Prayer Page participantsYour giving helps them meet their medical bills

Kelsey Clendenen, daughter ofmembers Dan and Melody Clendenen

see “Prayer Page participants,” page 2

It is an amazing thing, this Christianity.

Some 2,000 years ago Rome controlledmost of Europe, North Africa and theMiddle East. Roman power controlledsome 60 million people – including thosewho lived in Palestine, located toward theouter reaches of the Roman world.

A proud people lived there. God Himselfgave them their land. Their history andlegacy—which include transmitting to theworld the 10 Commandments—shaped thefuture of the world.

These people desired freedom, and toreturn to the economic and military powerthey enjoyed under the great kings Davidand Solomon.

During the reign of the Emperor CaesarAugustus, Jesus was born, and grew toimpact the country. Many times Hedemonstrated power over the enemies ofhumanity: sickness, hunger and hatred –even death.

The crowds followed Him in growingnumbers. Perhaps he was the leader theywere looking for to wrest their land backfrom the Romans. But that was not to be.

We know the story. He offended theauthorities. His message did not blendwith theirs. He died on a rugged cross andwas buried in a borrowed tomb.

Then He arose. Even the greatest Jewishhistorian of that era, Josephus, describesHim as risen from the dead:

“...[Jesus] was [the] Christ; and whenPilate...had condemned him to the cross, thosethat loved him at the first did not forsake him,for he appeared to them alive again the third

day, as the divine prophets had foretold...”(Antiquities of the Jews xviii 3.3.)

We see the words he taught in theirpowerful light. His Kingdom is set up inthe hearts of mankind. His will be doneon earth as it is in heaven:

Love the Lord your God with all yourheart, soul, mind and strength and yourneighbor as yourself; The world will knowyou are My disciples by the way you loveone another; If you love Me, keep Mycommandments; When you have done itto the least of these you have done it unto Me.

After He rose he told His followers to goto a place and await an important event.The Holy Spirit would come upon themto bring power and purity. With this newpartner and preparation they were to gointo the whole world and make disciples,not just followers.

It happened as He said it would. They leftthat place and went back into the samestreets, encountered the same crowds, andboldly proclaimed the true Gospel of Jesus.Thousands became disciples daily. Thegreat transformation of the world began.

Something else began to happen. Thosewho had this new status of disciple ofChrist found a change had taken place intheir hearts. They had acquired a passionateconcern for their fellow disciples.

They put in place a plan whereby theycould provide for anyone in need. Theypooled their resources to meet everyone’sneeds.

Acts chapters 2 and 4 will tell you thestory, though it is slipped into the

narrative in almost a passive way.

However, these words describe how heartsare changed to feel concern and compassionfor their fellow Christians to a degree thatthe unconverted person cannot understand.

Jesus said that people will know we are Hisdisciples by the way we love one another.

Some 2,000 years later, this truth remains.Christian Healthcare Ministries is anexample. In the last 15 years we haveshared more than $450 million in medicalneeds for fellow Christians. That is net,after bill reductions and write-offs. This isan amazing demonstration of what Jesussaid would happen.

Every month our members join together tolift the heavy burden of their fellow

A LOOK INSIDE MY HEART by howard russell

Christian Healthcare Ministries · July 20072

Reverend Howard Russell

Executive Director,Christian Healthcare Ministries

A LOOK INSIDE MY HEART by reverend howard russell

Modern day disciples: a reflection of the early Church

Prayer Page participants (continued from page 1)

born, so my insurance covered the first 90days of the vaccine. Once I left to stay athome permanently, the insurance coverageended and we had to pay $1,400 permonth for the vaccine. Our familymembers graciously loaned us the money,but we had to find a way to repay them fortheir kindness.

We had joined Christian HealthcareMinistries in September 2005. We knewthat Kelsey’s condition was pre-existing,

but a CHM staff member told us that herremaining bills would be eligible forlisting on the Prayer Page.

We thank God for protecting our baby andproviding for all of her needs. She is now ahealthy two-year-old, although she is sosmall that she wears clothing for 12-month-olds.

We also are thankful for the prayers andfinancial support from CHM members.

God bless you and the CHM staff!

Darrell JohnsonWoodward, OKAmount of original need: $21,111 forprostate cancerBill reductions: $4,796Prayer Page gifts received to date: $3,362Need remaining: $12,953

see “Modern day disciples,” page 5

see “Prayer Page participants,” page 3

Christian Healthcare Ministries · July 2007 3

Prayer Page participants (continued from page 2)

The trends shaping our future

According to a report by the Worldwatch Institute, economicindicators are on the rise as environmental problems worsen. Thechart below lists major trends to watch.

Source: Worldwatch InstituteCourtesy Saurage Research “Key Findings” newsletter

Food and agriculture: Meat production is at an all-time high,despite the recent popularity of vegetarian diets. Pork has thehighest production (38.7 percent of all meat), followed bypoultry (30.6 percent), beef (22.7 percent), and sheep/goat/other(8.0 percent).

Energy and climate: Production of photo-voltaic cells, whichgenerate electricity directly from sunlight, is increasingexponentially. Production in 2005 (1,727 megawatts) is up 600percent from year 2000 levels. China accounts for 59 percent ofworldwide solar heating, with the United States only at 1.8percent.

Economy: The U.S. Gross Domestic Product (GDP) rose 79percent between 1972 and 2005. A new measure, the GenuineProgress Indicator (GPI) recalibrates the GDP by considering thesocietal worth of economic activity. For example, it subtracts outpollution and adds in unmeasured benefits. The GPI rose onlyone percent from 1972 to 2005.

Trends shaping ourenvironment and world

Transportation and communication: Air travel is increasingagain, but only five percent of the world’s population has everflown. Americans fly the most miles, twice that of Europeans,who fly 10 times the miles that Asians do.

Health and social trends: HIV/AIDS continues to threatendevelopment in Africa. Some 70 percent of the world’s HIVpositive workforce lives in Kenya, Tanzania, Ethiopia,Mozambique, and Zimbabwe.

Conflict and peace trends: In 2004, the United Statesaccounted for 46.7 percent of all military spending, almost asmuch as the rest of the world combined. Japan came in secondwith 4.4 percent of military spending and China spent 3.6percent of the total.

Environmental features: New technology has lead togroundwater depletion throughout the globe. In Mexico, morethan one-fourth (28 percent) of aquifers have been pumpedalmost dry. Groundwater depletion causes land sinkage; in theUnited States, 80 percent of sinkage is caused by over-drawinggroundwater.

Economy and social features: Car-sharing (where individualspay membership or subscription rates in order to have access to aprivate vehicle) is growing in popularity. In North America,105,571 people currently participate in a car-sharing program.

I am 62 years old and have been self-employed for 40 years. My wife, Kathy, andI had medical insurance for many years, butthe organization through which we hadgroup coverage recently dissolved.

Kathy and I both have pre-existing medicalconditions that made it very difficult tofind other medical coverage. We joinedChristian Healthcare Ministries in 2003.Since then, God has blessed us with verygood health, except for my ongoing battlewith prostate cancer and complicationsfrom the treatment.

Since our business is very small, themedical bills have been a great burden.However, the donations from many caringChristians have been a greatencouragement. The prayers, cards, andencouraging messages have been thegreatest blessing of all. I feel that I havemade some friends I have never met.

I thank God for these generous people andfor Christian Healthcare Ministries. I mustconfess that prior to receiving from others, Inever felt it necessary to give toward PrayerPage needs. I was wrong. I am now faithfulto give back to others in need. I praise Godthat He has taken care of me and that I amdoing well.

Diana MannersSalem, OHAmount of original need: $11,907 forgallbladder surgeryPrayer Page gifts received to date: $1,057Need remaining: $10,850

In June 1986, my husband, Edwin, and Imoved to Copley, Ohio. He had accepted apastoral position that did not offer medicalinsurance. The new position required thatwe obtain medical coverage, but we couldnot afford to purchase an insurance policyfor our three sons and us.

Since we lived close to the ChristianHealthcare Ministries office, we soon heardabout CHM and decided to join. We werecontent with the program and remainedmembers for 10 years.

In 1996, Edwin once again felt God’s callto be a pastor at a church that could notafford to pay him much. He took a secondjob at a factory, which provided us withmedical insurance. We dropped out of theCHM program, well aware that God mightsomeday call us to move again and oncemore join a Christian support organization.

We moved once again in 2004 to Salem,Ohio, where Edwin was hired as assistant

business manager at a local Bible college.

We joined a different Christian cost-sharingorganization and remained members for ayear, but eventually dropped out becausewe were not satisfied with the program. We rejoined Christian HealthcareMinistries in 2005.

Previously, I had experienced minorepisodes of abdominal pain, but did nothave any major problems when we becameCHM members the second time. In May2006 I suffered severe abdominal pain andwent to the emergency room. Testing forgallbladder problems came back negative,but from that time I watched my dietcarefully, making sure to eat healthy andnatural foods.

I suffered another severe attack inSeptember 2006. A visit with the surgeonand review of my HIDA (hydroxyiminodiacetic acid) scan revealed that mygallbladder was only functioning at 23percent.

We decided that I should undergooutpatient surgery even though we did nothave traditional medical insurance. Afterthe surgery, the doctor promised to reducethe bill from $2,900 to $1,000 if weprepaid. We found a way to prepay the billand then submitted the charges toChristian Healthcare Ministries forreimbursement.

We discovered that the condition was pre-existing because the symptoms beganbefore we rejoined CHM. However, theCHM staff gave us the option of beinglisted on the Prayer Page. Since then, wehave received many cards and checks in themail, which have been a source ofencouragement to us.

Everything we have received has beenuplifting. Thank you for your words ofencouragement, gifts and prayers. I haverecovered completely from the surgery andhave had no more attacks.

We thank God not only for my physicalhealing, but for Christian HealthcareMinistries and the dedicated service it isdelivering to Christians across the nation.

Editor’s note: If you are listed on the PrayerPage and would like to see your testimonyfeatured in the newsletter, please contact theeditor at editor@chministries.org or 1-800-791-6225, ext. 5796. For other questions aboutthe Prayer Page, e-mailprayerpage@chministries.org or call 1-800-791-6225 and ask for the Prayer Page.

A LOOK INSIDE MY HEART by howard russellHEALTHWATCH · PROMOTING BIBLICAL HEALTH AND WELLNESS by dr. michael jacobson, d.o.

Christian Healthcare Ministries · July 20074

Share the Message. Bring a Friend.

Do one, the other, or both, and threethings happen for you:

1. You’re strengthening this ministry foryourself and for others.

2. You’re living the Gospel’s message ofChristian compassion.

3. You’re saving money, and depending onhow much you participate, it could be alot of money.

Those are the three reasons why ministrymembers should use the Share the Messageand Bring-a-Friend programs to bring newmembers into Christian HealthcareMinistries.

Let’s look at each one, in reverse order.

3. You’re saving money, anddepending on how much youparticipate, it could be a lot ofmoney.

Share the Message

Members can earn a free month ofministry participation for each family thatjoins through their Share the Messageoutreach. For a family at Gold level, thatmeans a savings of $405 permonth per family.

Continuing to use Goldlevel as an example, if justfive families from an entirechurch join CHM through amember’s Share the Messageoutreach, that memberwould save $2,025 inmonthly financial gifts.

A complete Share theMessage program has beenprepared for members to usein their churches. There is aSample Kit (to let you seehow Share the Messageworks) and an Event Kitwith everything you need topresent the CHM programto your congregation.

Nearly 70 Event Kits havebeen sent to members. Whydon’t you be the next one?

Bring-a-Friend

Bring-a-Friend is our time-

tested and highly successful method ofgrowing the ministry. It works verysimply. CHM members bring new peopleinto the ministry and receive a free monthof participation for doing so.

Each month thousands of dollars in freeparticipation is earned by ministrymembers whose friends have joined CHM.This opportunity is here for you as well.

2. You’re living the Gospel’smessage of Christiancompassion.

Galatians 6:2 is the CHM’s cornerstoneverse: “Carry each other’s burdens and sofulfill the law of Christ.”

Our actions demonstrate our faith. Caringfor each other as we do through CHMcauses those outside the Body of Christ tostop and consider what it is that we sharethat they do not possess.

The answer is Jesus and His love.

We are a 21st century equivalent of thefirst-century Christians who banded totogether to see that the needs of all weremet.

What we do for each other helps people tosee Jesus. There is no greater cause.

1. You’re strengthening thisministry for yourself and forothers.

If one person lifts a 100 pound weight, it’shard work. If five people lift the sameweight, the burden is shared.

The analogy to the ministry is exact. Themore brothers and sisters we have on ourmembership rolls, the lighter the burdenfor everyone.

That’s why we put emphasis on growingthe ministry. It’s not for profit. We don’tmake profits, we don’t invest in the stockmarket and we don’t have a fancydowntown office tower.

We share in paying medical bills. That’sall we do. That’s all we want to do.

You have demonstrated faithfulness andcompassion by being part of this ministry.Will you take the next step and Bring aFriend, or Share the Message?

To learn more about Share the Message andBring-a-Friend, please contact Norma Mull inMinistry Information atsharethemessage@chministries.org or 1-800-791-6225, ext. 5233.

What’s in it for you? Your friends? Our world?

Dr. Michael Jacobson’sHealthwatch column will returnnext month (after all, everyoneneeds an occasional break).

Dr. Michael Jacobson, D.O.Medical consultant

Christian Healthcare

Ministries

127 Hazelwood Ave.

Barberton, OH 44203

Phone: 800-791-6225

Fax: 330-848-4322

E-mail: doc@chministries.org

Health education resources at:

www.chministries.org

Christian Healthcare Ministries · July 2007 5

Reductions (continued from page 1)

“The low cost attracts more new membersto CHM. Also, obtaining reductionsmakes more funds available to assist withother members’ needs.”

“Although it is sometimes difficult, myadvice to members with needs is to makethe minimum monthly payment on yourbills and show an interest in making surethe bills are paid. Providers will be morewilling to work with you. Don’t hesitateto seek help from government agenciesand hospital assistance programs. Onceyou obtain a hospital bill reduction, otherproviders will usually reduce their bills as well.”

Gerald expressed his gratitude towardeveryone who helped him in his time ofneed. “I have been blessed with asupportive family, good friends, and awonderful church family,” he said. “I’malso thankful for CHM and that we joinedseveral years ago. They came along at atime in my life when I needed themmost.”

Darryl & Linda Taylor, Clinton, Tenn.• 100 percent reduction on hospital bills• 100 and 40 percent on radiology bills• 50 percent on pathology bills• 50 and 30 percent on obstetrics bills• 30 percent on pediatric cardiology bills• 30 percent on neonatal care bills• 30 percent on hospital testing bills• 30 percent on anesthesiology bills • 20 percent on children’s hospital bills• 18 percent on lab bills

• Total amount reduced: Approximately $65,000

Darryl and Linda’s son, Joel, was born inNovember 2006 with Down Syndromeand two ventricular septal heart defects(VSDs). Pregnancy complications alsocaused the baby to have hypertension.After a C-section delivery, Joel remainedin the neonatal intensive care unit (NICU)for 12 days and underwent many follow-up evaluations.

The Taylors have been CHM members formore than 10 years and are familiar withthe reasons to obtain reductions onmedical bills. They also have six children,four of whom were born since the Taylorsjoined the ministry.

“We explained to each of our providersthat we are self-pay patients, but we alsoare members of a cost-sharing program inwhich Christians share each other’smedical bills,” Linda said. “Usually theproviders could offer a 30 percentreduction immediately, but largerreductions took longer to negotiate.”

She added that Christian HealthcareMinistries and The Karis Group werehelpful in giving advice and supportthroughout the financial part of theirmedical crisis.

“Asking for reductions helps remindpeople to make careful health carechoices,” Linda said. “I am a nurse and Ibelieve this approach to meeting health

care costs also reminds the health careindustry that service to patients isimportant.”

The Taylors believe that seekingreductions and financial assistance is a wisefinancial decision because it helps both themember receiving the assistance and allother members who have medical needs.

“If you are pregnant or are considering anyelective procedure that allows you time toplan, it’s a good idea to put money asidethat can be used to pay some of the billsimmediately,” Linda advised. “Manyproviders offered us reductions if we couldget the bills paid within a short amount oftime.”

She also encourages members to share theirstories with health care providers. “Givingthem the details often makes a difference.You may need to speak with a supervisoror a few different people before they offerhelp.”

The Taylors’ final piece of advice to CHMmembers is to ask about assistance

programs. “We thought thatwe wouldn’t qualify forneed-based assistance, butwe took the time to answersome questions and fill outsome paperwork,” Lindasaid. “As a result, thehospital wrote off more than$60,000.”

“We praise God for what Hehas done through this crisis.God can certainly work allthings together for good andour faith has grown in seeingGod meet our financialneeds. We’ve told othersabout God’s faithfulness inthis situation and how we’vebeen blessed by the love,support, and generosity ofothers from the hospital,Christian HealthcareMinistries, The Karis Group,other Christians and ourchurch family.”

disciples, not just with their regularmonthly giving but with extra givingaveraging around $13,000.

When your new CHM leadership team

took position six years ago we took on abacklog of over $27 million left by theministry’s previous managers. Today thatbacklog is down to $700,000. We aremeeting today’s needs even as we fulfillcommitments from the past, all because ofthe faithful giving of fellow Christianswho are part of this ministry.

We praise God and thank you for beingfaithful.

We are moving forward together while

expecting great things on behalf of thekingdom of God. More and moreChristians are becoming members ofChristian Healthcare Ministries. Moreand more Christians are finding theblessing of this wonderful family.

Share the message, bring a friend.Others can know about this wonderfulextension of God’s transforming power.It is the way God intended it to be.

For information on how to share ChristianHealthcare Ministries with others in need,visit www.chministries.org/sharemessage.aspor call the Ministry Information departmentat 1-800-791-6225.

Modern day disciples (continued from page 2)

Every member has received or willsoon receive in the mail a packetcontaining updated CHMmaterials.

The purpose of mailing theseitems is to provide you with toolsthat will help you share CHMwith friends in need. The materialsalso can be used for your reference.

Materials included are:

• Two Information Packs (one foryou to keep for your reference andanother to give to a friend.) • Two business cards for you topass along to friends interested inChristian Healthcare Ministries.• A card promoting our newwebsite, www.chministries.org.• A letter explaining the contentsof the packet.

If any of these items are missing from your packet or if you needadditional copies, please contact the Member Assistance departmentat 1-800-791-6225. As always, we are happy to answer any questionsyou have. You also can obtain additional promotional materials atwww.chministries.org/getmoreinfo.asp

Check your mailbox...

A LOOK INSIDE MY HEART by howard russell

Christian Healthcare Ministries · July 20076

35. Patty Loper: 130 Jimmy Love Lane,Columbia, SC 29212-3160 After reductions,Patty has bills from a dental need totaling$2,000. UPDATE: Patty has received $1,682towards her bills, bringing the total amount neededto $318.

36. Glenn Boyd: 557 S Ragsdale, Apt. 110,Jacksonville, TX 75766 Glenn sufferedfrom a heart attack while teaching in theDominican Republic and had to be lifeflighted to the U.S. to receive the medical carehe needed. The cost of his flight is $16,700.He would appreciate your gifts and prayers.UPDATE: Glenn has received a total of $3,018in gifts, bringing the amount needed to $13,682.

PRAYER ONLY:

37. Richard Faulds: 7130 North Rd.,Lakeport, MI 48059-1704 Richard recentlyunderwent heart valve replacement surgery andasks for your prayers.

38. Grover & Glenna Dixon: HC 71 Box67A, Asbury, WV 24916-9607 Grover is in anursing home recovering from a fall. Glennaasks for prayer for him and their family.

39. William Springborg: 4457 E McQuaryRd., New Cambria, KS 67470-8518William’s wife, Peggy, recently passed away.Please keep him in your prayers.

40. Dan Thompson: 7303 Rock Hollow, SanAntonio, TX 78250 Dan recently lost hiswife, Oma Sue, to breast cancer. He asks forprayer from the CHM family.

41. Harald Szemkus: c/o Wolfgang Knust,15 Evelyn Dr., Bristol, RI 02809-4807Harald is a missionary to Germany whorecently underwent quadruple bypass surgery.Please remember him in your prayers.

42. Ruth Manning: 207 Roxanna St.,Morrill, KS 66515-9537 Ruth has apulmonary condition that affects herswallowing. She has breast cancer and asks foryour prayers.

Letters to Christian Healthcare Ministries

We’d love to hearfrom you!Send us your letters:Christian HealthcareMinistriesAttn: Editor127 Hazelwood Ave.Barberton, OH 44203

editor@chministries.org

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

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

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

– Rev. Howard Russell

Dear CHM members and staff:

We have been CHM members since April1987. We wish to extend our thanks to youand to God for the blessing you are andhave been for 20 years.

Prior to 1987, it was one mix up afteranother with our health insurance companywhenever we submitted a claim. It requiredhours and even days of work in order toprove that, according to our policy, it wasthe company’s responsibility to pay ourmedical providers.

When we joined CHM, it was like a weighthad been lifted from our shoulders.Although CHM has faced difficultcircumstances at times, we are so gratefulfor the services that members and staff haveprovided.

We believe that God ordained and set thisministry in motion. Thank you forcontinuing on in the good work you aredoing.

We encourage members to be sure to ask forreductions, understanding that they are self-pay patients participating in a faith-basedministry and that they deserve the sameprice consideration that is given toinsurance companies. Most doctors andhospitals we have encountered have given usfair consideration and have done so with agood attitude.

In autumn 2006, we had bills for cataractsurgery and were amazed at how much thedoctor reduced the amount (about 33

percent) with no questions asked and nopaperwork to fill out. We simply explainedwhat CHM is and how it works. After weanswered their questions and filled out a fewforms, the hospital reduced the bill to zero!

Asking for reductions allows more dollars tohelp others and keep costs down formembers. We praise God for His help andthank all of you. We especially thankDonna, our CHM Needs Processingrepresentative, who was so sweet andencouraging whenever we had a question orconcern.

God bless you all,

Dan & Pat AllenDeford, MI

Dear Christian Healthcare Ministries:

We are sending a check for $1,199.40 to theministry, since the hospital gave us a billreduction after we received the originalcheck from you.

Thank you for all of your help and forgiving us confidence in this ministry. Wethank God that CHM operates in such atrustworthy manner.

God bless,

Irene PattonSan Antonio, TX

Dear Christian Healthcare Ministries:

Thank you for the financial gifts sent thepast two years to help with medical bills formy husband, Eugene.

We are interested in presenting the ministryto our church family. May the Lord continueto bless Christian Healthcare Ministries.

Sincerely,

Trudy ElsberryPage, NE

Dear Rev. Russell and CHM Board ofTrustees:

We will always be grateful for your faithfulconcern and care. Our faith in this ministrywas cemented years ago when membersgraciously shared Wilma Jean’s bills forheart surgery.

Although we are now on Medicare, we planto keep giving toward the needs of God’speople as long as we live. We hope thatbefore long we will be able to increase theamount of our gift.

The CHM program is the scriptural plan forhealth care. May your journey be joyful andyour labors be rewarded.

Sincerely,

Robert & Wilma Jean HelmsChandler, IN

PRAYER PAGE NON-ASSIGNED NEEDS:

Editor’s note: Letters sent toCHM and printed on this pagemay be edited for length or grammar.

Prayer Page needs do not qualify forsharing under Christian HealthcareMinistries Guidelines.

1. Thomas Miller: 69 Warsaw Camp Loop,Laurel, MS 39443 (surgery) UPDATE:Thomas has received a total of $25,007, reducingthe amount needed to $18,343.

2. Tanya Robinson: 102 Congress St., Apt. 3,Belfast, ME 04915 (acute cysts andendometriosis) UPDATE: Praise God! Tanyareports that she has received a total of $9,729 ingifts, bringing the total needed to $1,439.

3. Stuart Smith: 8129 Bridgehampton,Waterville, OH 43566 (heart condition)UPDATE: Stuart wishes to express his heartfeltthanks for letters of encouragement and gifts totaling$41,237 from CHM members since August 2002.His total need is now $23,510.

4. Daniel Wagenmann: P.O. Box 914,Darby, MT 59829-0914 (cancer) UPDATE:Daniel’s wife, Connie, went to be with the Lord inJanuary 2005. He still needs your assistance to meetConnie’s bills. He has received a total of $18,476 ingifts, bringing the total needed to $9,539.

5. Marc & Katharine Sinnock: 600 N. EustisDr., Indianapolis, IN 46229 (pre-existingcondition) UPDATE: The Sinnocks have receivedanother $40 in gifts, bringing the total amountneeded to $1,138.

6. Linda Fox: 3411 Deerwood Ct., Lebanon,OH 45036 (heart condition) UPDATE: Lindareports another $40 in gifts and $1,753 in addedbills, bringing the total needed to $2,066.

7. Gwynneth Preston: 1943 Forest Ave., St.Louis, MO 63139 (tachycardia) UPDATE:Gwynneth reports $3,530 in gifts, reducing theamount needed to $6,470.

8. Shelley B. Ford: RR1 Box 275, Rome, PA18837 (fibroids & pre-cancerous cells)UPDATE: Praise God! Shelley reports $5,375 inbill reductions and a total of $5,239 in gifts,reducing the amount needed to $7,127.

9. Darrell Johnson: 60 Country Oaks,Woodward, OK 73801 (prostate cancer)UPDATE: Darrell reports a total of $3,362 ingifts and $8,861 in added bills, bringing the totalneeded to $12,952.

10. Carrie Hipley: 2852 N 500 E, Kendallville,IN 46755 (maternity) UPDATE: Carrie hasreceived a total of $375 in gifts, reducing theamount needed to $1,720.

11. Beth Kabellar: 3010 Wadsworth Rd.,Norton, OH 44203 (arthritis) UPDATE: Bethreports a total of $325 in gifts, bringing her need to $515.

12. Christine Hewett: 118 Forest Dr.,Shallotte, NC 28470-4454 (Carpal TunnelSyndrome) UPDATE: Christine reports $200 in

gifts, bringing the total needed to $3,696.

13. Paul Klausing: 8800 Park Laureate Dr.#112, Louisville, KY 40220 Paul has billstotaling $880 for a pre-existing back condition.Please remember him with your gifts andprayers.

14. Ruth Heyer: 105 N. Oak St., George, IA51237 (bladder repair & hysterectomy)UPDATE: Ruth reports a total of $7,302 in giftsand has added another $1,628 in bills, bringing thetotal amount needed to $8,115.

15. John French: 53 Pete Canada Rd.,Trenton, TN 38382 (kidney stonecondition) UPDATE: John has received a total of$2,074 in gifts, reducing the amount needed to$1,595.

16. Khristi L. Shores: 7329 Luella Anne Dr.NE, Albuquerque, NM 87109 (gallbladdersurgery) UPDATE: Khristi reports $8,488 ingifts, reducing the amount needed to $8,172.

17. Joy Hirth: 1704 Pauline Blvd., AnnArbor, MI 48103 (breast cancer) UPDATE:Joy has received a total of $585 in gifts and hasadded $959 in bills, bringing her need to $3,301.

18. Lea Glennon: 538 N 325 W, Valparaiso,IN 46385 (anemia) UPDATE: Lea has receiveda total of $907 in gifts and has added $1,175 inbills, bringing the total need to $2,907.

19. Robert Roam: c/o Sharla Hunt, 2532Deerford St., Lakewood, CA 90712 (heartcondition) UPDATE: Robert reports $150 ingifts, bringing the total needed to $1,978.

20. Kathy Potts: 6380 Jackrabbit Lane #18,Belgrade, MT 59714 (back surgery)UPDATE: Praise God! Kathy reports $10,334 inbill reductions and $9,469 in gifts, bringing thetotal needed to $63,401.

21. Sondra Brakenhoff: 2415 S 2800 Rd.,Burdick, KS 66838 (over maternity limit)UPDATE: Sondra has received a total of $2,921 ingifts, bringing the total needed to $4,189.

22. Linda Whiteside: 3745 St. Rt. 15,Freeburg, IL 62243 (uterine fibroid

embolization) UPDATE: Linda reports $6,501in gifts and $11,391 in added bills, bringing thetotal needed to $14,742.

23. Kenneth Roy Tufly: 10827 Hwy 200,Dixon, MT 59831 (partial kneereplacement) UPDATE: Roy reports a total of$6,632 in gifts, reducing his need to $12,920.

24. Diana Manners: 2244 Woodsdale Rd.Apt. B, Salem, OH 44460 (gallbladdercondition) UPDATE: Diana reports $1,057 ingifts, bringing her total bills to $10,850.

25. Rev. Myron Stump: 342 N Walnut St.,Union City, OH 45390 (heart surgery)UPDATE: Rev. Stump has $20,228 in added bills.He reports $2,164 in gifts, bringing the total neededto $27,708.

26. Daniel & Melody Clendenen: 11Kensington Blvd., Bluffton, SC 29910(infant condition) UPDATE: The Clendenensreport a total of $793 in gifts, bringing the totalneeded to $2,407.

27. Mary Trotzke: PO Box 2283, Dot Lake,AK 99737 (bunion/foot surgery) UPDATE:Mary has received a total of $1,747 in gifts,bringing her need to $4,395.

28. Peter Heaton: 19874 Hwy 24 #0,Leadville, CO 80461 (congenital condition[pectus excavatum]) UPDATE: Peter reports atotal of $5,083 in gifts, bringing the total to$29,325.

29. Jobe Reynolds: P.O. Box 98, Lamar, SC29069 (heart condition) UPDATE: Jobereports $8,573 in bill reductions and $12,652 ingifts! He has added another $13,444 in bills,bringing the total needed to $16,279.

30. Nancy Reynolds: P.O. Box 98, Lamar,SC 29069 (brain surgery) UPDATE: PraiseGod! Nancy has received a $19,981 bill reduction!She also reports a total of $7,016 in gifts. Her totalneed is now $2,680.

31. Paula Byler: PO Box 45, Apple Creek,OH 44606 (pre-existing breast cancer)UPDATE: Paula reports $510 in gifts, bringingher total to $1,056.

32. Rebecca Cooper: 61 CR 8401, Rienzi,MS 38865 (acute bronchitis) UPDATE:Rebecca received a $1,351 reduction, bringing thetotal needed to $551.

33. Jacqueline Green: 1601 Rebecca Dr.,Lima, OH 45805 Jacqueline has $638 in billsfor an echocardiogram and asks the CHMfamily for help.

34. Frank Neumeister: 28 Frank Lane,Ashland, PA 17921 Frank has incurred billsfrom a pre-existing heart condition for $1,122.He asks for your prayers and support.

Prayer Page

In the Giving Guide above, findthe abbreviation of your state.You are encouraged to send tothe need number whichcorresponds to your state.

For example, if you live inLouisiana, you would send to need #08.

These directions are onlysuggestions; you are in no wayobligated to send to these needs.

If you feel led by the Lord togive to a need other than theone suggested, please do so!

Prayer Page contact:prayerpage@chministries.org800-791-6225(ask for the Prayer Page)

Christian Healthcare Ministries · July 2007 7

IMPORTANT!Giving to needs listed on thisPrayer Page is not your monthlygift. It is an opportunity to giveover and above your gift amount.We urge you to send cards ofencouragement even if you areunable to contribute financially.

We suggest the following:

If you are a single unit member(1 unit): Send $5 (or more)

If you are a multiple unit member(2-3 units): Send $10 (or more)

Individuals listed on the Prayer Pagemust report what monies they receiveeach month by the 15th (or the firstbusiness day after the 15th) of thefollowing month. Mail in your DonorInformation Form, e-mailprayerpage@chministries.org or call 800-791-6225 and ask for the Prayer Page.

Notice something is missing? The non-assigned and prayer only needs have been moved to page 6.

Some Prayer Page needs are not listed thismonth due to the large number of eligibleneeds and limited listing space.

Needs that have been listed consecutively forthe longest period of time have been removedfor the month of July and will be re-listed in August. If necessary, other needexplanations will be rotated in future issues.

Prayer Page needs will only be rotated when itis necessary to conserve space.

Prayer Page need rotations

Giving GuideALAKARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMS

MTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

#17#08#04#12#03#09#05#34#28#01#05#30#19#25#29#23#24#08#13#10#06#09#20#26#01

#23#03#31#27#32#26#15#02#16#20#14#21#25#11#22#18#28#20#33#29#11#24#22#07#04

Christian Healthcare Ministries (hereinafter “CHM”), a not-for-profit religious organization, is not an insurance company. Noministry operations or publications are offered through or operatedby an insurance company. CHM does not guarantee or promise thatyour medical bills will be shared or assigned to others for financialgifts. Whether any CHM member chooses to share the burden ofyour medical bills will be entirely voluntary. As such, CHM shouldnever be considered as a substitute for an insurance policy. Whetheryou receive any financial gifts for medical expenses and whetherCHM continues to operate, you are always liable for any unpaid bills.

Especially for Florida Residents: A copy of the official registrationand financial information may be obtained from the Division ofConsumer Services by calling toll-free, within the state of Florida.Registration does not imply endorsement, approval, orrecommendation by the State of Florida. 1-800-435-7352 OurFlorida registration number is SC-03543. CHM has not retained anyprofessional solicitors or professional fundraising consultants and100% of each contribution is received by our organization.

Especially for Kentucky Residents: Notice: CHM is not aninsurance company. CHM’s related operations and publications arenot issued by an insurance company and they are not offered throughan insurance company. CHM does not guarantee or promise that yourmedical bills will be shared or assigned to others for financial gifts.Whether any member chooses to share the burden of your medicalbills will be totally voluntary. CHM should never be considered as a

substitute for an insurance policy. Whether you receive any gifts formedical expenses, and whether or not CHM continues to operate, youwill always remain liable for any unpaid bills.

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

Especially for Oklahoma Residents: This is not an insurancepolicy. It is a voluntary program that is neither approved, endorsed orregulated by the Oklahoma Department of Insurance and theprogram is not guaranteed under the Oklahoma Life and HealthInsurance Guaranty Association.

Especially for Pennsylvania Residents: Notice: CHM is not aninsurance company. CHM’s related operations and publications arenot issued by or offered through an insurance company. CHM doesnot guarantee or promise that your medical bills will be shared or

assigned to others for financial gifts. Whether any member chooses toshare the burden of your medical bills will be totally voluntary. Assuch, CHM should never be considered as a substitute for insurance.Whether you receive any financial gifts for medical expenses, andwhether or not CHM continues to operate, you are always liable forany unpaid bills.

Especially for South Dakota Residents: CHM is not an insurancecompany. CHM’s program is not an insurance contract. This plandoes not fall under the jurisdiction of the South Dakota Division ofInsurance and the plan is not covered under the South Dakotaguaranty fund.

Especially for Wisconsin Residents: Attention: CHM is not aninsurance company. CHM’s related operations and publications arenot issued by or offered through an insurance company. CHM doesnot guarantee or promise that your medical bills will be shared orassigned to others for financial gifts. Whether any member chooses toshare the burden of your medical bills is entirely voluntary. CHMshould 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 alwaysremain responsible for the payment of your own medical bills.

Christian HealthcareMinistries

July 2007

In This IssueMeet the Prayer Page participants • Members receive tens of thousands of dollars in bill reductions

Modern day disciples • Trends shaping our environment and worldWhat’s in it for you? Your friends? Our world? • Letters to CHM • Prayer Page

Nonprofit Org.USPostage PAIDAkron OH 44309

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