When I first heard about this organization I was skeptical, but I thought I would give it a try. My wife had an operation last year and CHM did everything they said they would!!! More than that, I could tell they really cared about us; they prayed for us, encouraged us and went out of their way to assist us!!!! It didn't feel at all like "business"; it was more like just one friend helping another. I heartily recommend them to anyone who does not have health insurance!!! I plan to keep them as supplemental healthcare when I turn 65. Click on the video and see what I am talking about; you will be glad you did!!!