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

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.

November 2007 CHM member? Time to join Brother’s Keeper

In This IssueTime to join Brother’s

Keeper . . . . . . . . . . . . .1

The time is right . . . . . . .2

Kidney cancer zapper . . . .3

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

Letters to CHM . . . . . . .6

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

Christian Healthcare Ministries’ Brother’sKeeper program enables CHM members toshare medical needs above the ministry’s$125,000 limit per medical need specifiedin the CHM Guidelines.

Why should you join?

“We encourage our members to enroll inthe Brother’s Keeper program to givethemselves an extra level of assurance,” saidthe Rev. Howard Russell, CHM executivedirector.

Reasons to join Brother’s Keeper becomemore compelling as health care costs climb.It is not unusual for bills for commonmedical events such as a heart attack toexceed $80,000. Other procedures forserious conditions—neurosurgery,transplants, cancer, etc.—can cost between$100,000 and $500,000.

The purpose of printing these figures is notto scare you, but to make you aware of thereality of high medical costs so you can beprepared. Brother’s Keeper is a safeguardagainst catastrophic medical bills that alsoallows members to help one another intimes of need.

Signing up for Brother’s Keeper gives youan additional $100,000 of medical

assistance. With each annual Brother’sKeeper renewal, you will receive anadditional $100,000 of assistance. In nineyears, this builds to $1,000,000 perincident as outlined in the CHMGuidelines.

“We are seeing needs reach past the$125,000 limit in our regular program,”said Norma Mull, Brother’s Keeperprogram administrator. “These are very sickpeople in desperate need of help. The lastthing they need is to worry about how topay their bills. As members of Brother’sKeeper, they can rest assured that otherparticipants will voluntarily share theirbills. They can focus on their first priority:getting well.”

For medical needs exceeding $125,000,Brother’s Keeper participants are asked tosend a designated gift amount to the CHMoffice. The gift is deposited in an auditedescrow account. Sharing of these needsoccurs quarterly; the average amountparticipants are asked to send is $25 permembership unit.

Participants also are asked to send cardsand letters of encouragement to listedindividuals. “In addition to providing forfinancial needs, Brother’s Keeper is amechanism members can use to encourage

and strengthen each other spiritually,” saidRev. Russell.

“Not taking advantage of a program likeBrother’s Keeper is taking a great risk,”said Mull. “Everyone thinks, ‘It won’thappen to me. I won’t get sick withcancer’—or whatever the condition may be.The truth is that everyone with mountingmedical bills today probably thought thesame thing at one point.

“Interacting with people in great needgives us a valuable perspective on howessential this program is,” she added. “Godhas provided a very affordable safeguard inBrother’s Keeper: join now and you willreceive much in the future if theunthinkable happens.”

Editor’s note: For more information or to joinBrother’s Keeper, contact Norma Mull at 1-800-791-6225, ext. 5233, or visitwww.chministries.org/brotherskeeper.asp

Please note that bills that would have beeneligible for Brother’s Keeper cannot be listed onthe newsletter Prayer Page. According to PrayerPage guidelines, “Bills that exceed the$125,000 lifetime limit per (related) diagnosisare not eligible for Prayer Page listing if thebills would have been eligible for sharing inBrother’s Keeper and the member did notpreviously choose to participate in that program.”To obtain a copy of the Prayer Page guidelines,call 1-800-791-6225 or e-mailprayerpage@chministries.org.

Brother’s Keeper at a glance

Assists with:

Need eligibility

Enrollment

Sharing frequency

Method of giving

Bills from qualifying needs exceeding $125,000

Determined byCHM Guidelines& programenrollment

Required; yearlymembership fee

Quarterly

Participants’ giftsdisbursed fromescrow account

Gift amount Averages $25 perquarter perparticipating unit

Accountability Escrow accountaudited; internalCHM controls

A LOOK INSIDE MY HEART by howard russell

Christian Healthcare Ministries · November 20072

Reverend Howard Russell

Executive Director,Christian Healthcare Ministries

A LOOK INSIDE MY HEART by reverend howard russell

After eight years, the time is rightAfter eight years, the time is right

Last month we announced that ChristianHealthcare Ministries is making its firstadjustment in nearly eight years to ourmonthly financial gift amounts.

Our great desire is to go another eightyears without another increase.

In the present case, after nearly eight years,the increase is designed to help ourmembers with medical needs. Theincrease, in both percentage and dollarterms, has been kept quite low because weunderstand that it affects you. But notdoing anything affects you, too.

The purpose is to shorten the time it takesto share your medical bills with othermembers of the ministry. The shorter thetime, the better it will be for you andeveryone else who is part of CHM.

Last month I wrote the following tooutline the factors have enabled us to go solong without raising our monthly giftamounts:

“Since 2000 we have kept our monthlyfinancial gift amounts stable by:

• Reducing and controlling expenses

• Seeking financial assistance and

reductions on medical bills

• Requesting extra giving from members”

Let’s look at each one individually.

Here are some of the things we’ve done toreduce and control expenses:

1. (List one)

2. (List two)

3. (List three)

4. (List four)

Reductions in medical bills have been amajor success. Working together, ourmembers and the ministry average some$10 million each year. The morereductions we receive, the farther ourdollars go. That’s why we encouragemembers to always ask their health careproviders for the same reductions onmedical bills that are given to insurancecompanies.

As a self-pay patient with a fellowship ofthousands of Christians standing by tosupport you, you are in a unique and goodposition to request reductions.

We also work with The Karis Group, an

organization that works with us to helpChristians obtain reductions on medicalbills.

We have periodically asked for extragiving from members, and members haveresponded remarkably. This generousgiving has probably helped enable us todelay by a year or two a gift amountincrease.

In our system, which is based on theexample of early Christians in the book ofActs, the more hands to carry the load, thelighter the burden for everyone. That’swhy we hope you will help us bring newmembers into the ministry through ourBring-a-Friend and Share the Messageprograms.

“After eight years, the [giftamount] increase is designed

to help our members withmedical needs. The increase,in both percentage and dollarterms, has been kept quite lowbecause we understand that it

affects you. But not doinganything affects you, too.”

-Rev. Howard Russell, Executive Director

see “The time is right,” page 5

Christian Healthcare Ministries · November 2007 3

• The United States accounts for four percent of the world’s children who consume40 percent of the world’s toys.

• There were only 13 U.S. billionaires in 1985, while today the number stands atmore than 1,000. During 2005, some 227,000 Americans became millionaires,with a total of 8.9 million today. One survey showed that the wealth of all U.S.millionaires was $30 trillion (30,000,000,000,000), more than the GrossDomestic Product (GDPs) of China, Japan, Brazil, Russia, and the EuropeanUnion combined.

• One-third of those who eat breakfast (33 percent) do so in their car; 30 percent ofpeople eat lunch on the road.

• Four in 10 Americans age 0 to 65get prescription antibiotics fromtheir doctors without first beingexamined in person.

• Teen spending is predicted to risefrom 3.5 percent annually from$79.7 billion in 2006 to $91.1 billion in 2011.

• Overall, the number of people using creditcards remained relatively flat between 2002 and2006.

• Currently 73 percent of American adults believe in God, down from79 percent in 2003. African Americans are most likely to believe(71 percent) followed by Hispanics (61 percent) and Caucasians (57percent).

• Today, 40 percent ofpeople under age 25 areminorities. For those underage 10, 45 percent areminorities.

• Tuition and fees at publicfour-year colleges were 35percent higher in 2006 thanthey were in 2001.

• According to the Sleep Council, fewer than one-half ofAmerican adults (43 percent) are getting good qualitysleep, and 10 percent are getting poor quality. Sleep quality

affects an individual’s moods. The majority who get seven or morehours on average (57 percent) say their mood is excellent, comparedto the 45 percent of those who get six hours or less.

• Some 70 percent of people with Alzheimer’s Disease live at home andare cared for by family or friends.

Fast facts

Courtesy Saurage Research “Key Findings” newsletter

I’ll never forget a phone call I receivedseveral years ago from a good friend ofmine, Will. He told me that he had beendiagnosed with kidney cancer.

The news was shocking because he was a

very dear friend. Also, kidney cancer is rarein relation to other cancers and is the causeof 12,000 deaths per year in the UnitedStates, a low number in comparison tomany other cancers. In addition, Will wasa health fanatic who meticulously watchedwhat he ate and constantly sought newalternatives. In fact, it was thischaracteristic that may have cost Will hislife.

Will, not wanting to lose his kidney, optedto forego standard surgical treatmentwhich offered the hope of a cure in theearly stages. Instead, he tried severaldifferent alternative treatments thatpromised – but failed – to deliver a cure.He died from metastasis (the spreading ofcancer to another part of the body).

I wish that Will’s diagnosis had been madejust a few years later. A recent study atWake Forest University in North Carolinareported that using CT-guided

radiofrequency ablation isextremely effective in completelyresolving kidney cancer in thevast majority of 104 patientsstudied.

This technique involves insertinga needle probe into the tumor(guided by CT) and emitting ahigh-frequency alternatingcurrent that heats and destroystumor tissue. The procedure doesnot require admission to ahospital or use of generalanesthesia. It is done as anoutpatient procedure under localanesthesia.

In this study, researchers treatedkidney tumors that ranged indiameter from about a quarter ofan inch to 3.5 inches. There were125 tumors either “zapped” orablated between 2000 and 2006.

Kidney cancer zapper has almost 100percent success rate

see “Cancer zapper,” page 5

Compiled by Dr. Michael D. Jacobson

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

Christian Healthcare Ministries · November 20074

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/

healthinformation.asp

The disease process

Tuberculosis (TB) is a chronic infectiousdisease caused by an atypical bacteria(called Mycobacterium tuberculosis) thatattacks the lungs about 85 percent of thetime, but can affect other organs as well(such as the kidneys, brain and bone). TBspreads from person to person through theair by respiratory “droplets” (coughing andexpelling microscopic particles of secretionsfrom the lungs into the air).

Once contracted the bacteriamultiply in the lungs. Aftertwo weeks to two months thebody’s immune system usuallyintervenes, haltingmultiplication and preventingfurther spread.

At this stage a person has nosymptoms and a normal, clearX-Ray, but still tends toconvert a TB skin test (TST) topositive. These people are saidto have latent, or inactive, TBand are not at this pointconsidered a TB case. Ratherthan a true TB infection, the bacteria aredormant. The problem with such acondition is that inactive or latent TBbacteria may become active when the body’simmune system is weakened.

A weakened immune system can occurthrough aging, serious illness, drug oralcohol abuse, or HIV infection. Theinfection begins to spread through thelungs and other organs. An untreated TBinfection kills more than half its victims.

Infecting others

Catching TB from an infected persondepends on a few variables. TB is usuallyspread between people in close proximity toone another over a prolonged period.Therefore, its spread is usually to familymembers, close friends, and people whowork or live together. It is especiallythreatening in prisons, institutions andshelters where many people live in aconcentrated area.

The transmission rate is considered to beabout 23 percent in such environments, butdepends upon:

1. The infectiousness of the source: Howmany of the TB bacteria are present in theindividual and how many are beingexpelled into the air?

2. Environment: Is it calm, humid andwarm, which all facilitate the spread of TB?

3. The duration and proximity of exposureto an infected individual.

4. How potent (or virulent) is thatparticular strain of TB: Drug resistant TBis not known to be more virulent; it justdoesn’t respond to antibiotics, which isn’t awhole lot of consolation.

Latent Tuberculosis Infection(LTBI)

The dormant stage, also known as thelatent TB infection (LTBI), depends on theimmune system’s production of specialimmune cells that surround the tuberclebacilli. In LTBI, the immune systemcontains the bacilli and prevents the spreadof infection. Of the people infected withtuberculosis, about 10 percent develop TBdisease during their lifetime. In almost allinstances tuberculosis can be cured with theright treatment.

Active TB is truly infectious

Active TB can develop very soon or manyyears after infection. Positive TSTconversion within the past two yearsindicates recent infection and increased riskof developing active TB. Since about halfthe risk of developing active TB isconcentrated in the first two years afterinfection, it is important to detect newinfections early. Those with active TBdisease are considered infectious and canspread the disease to other people.

Activation of disease

In five percent of persons with latent

infection, active disease will develop withintwo years; in an additional five percent,progression to active disease will occurlater. The progression rate to active diseaseis dramatically increased among personsinfected with HIV. (New England Journalof Medicine, Vol. 345, No. 3, July 19,2001). Studies suggest that the risk ofdeveloping active TB is seven to 10 percenteach year for people who have HIV,compared to 10 percent lifetime risk for

people infected only with TB.

Symptoms

A person with inactive or latent TBwill have no symptoms. Someonewith active TB disease may alsofeel perfectly healthy, with only anoccasional cough (which alsospreads the disease to others).However, most have symptomswhich vary depending upon whichpart of the body is affected. Thelungs are the most commontuberculosis target, affected in 85percent of all TB cases. Possiblesigns or symptoms include:

• A cough lasting longer than three weeks

• Chest pain when breathing or coughing

• Coughing up sputum (phlegm from deepin the lungs) or blood. Sometimes, a personwith advanced TB will cough up bloodstreaked sputum.

• Feeling tired all the time (fatigue)

• Malaise (a generalized feeling ofdiscomfort, illness, or lack of well-being)

• Weight loss not due to dieting

• Loss of appetite

• Fever

• Night sweats

These symptoms can also occur with othertypes of lung disease; it is important tohave a physician make the correct diagnosis.

Next month: Screening andtreatment for tuberculosis

Tuberculosis (part 2)

Christian Healthcare Ministries · November 2007 5

Cancer zapper(continued from page 3)

All 95 tumors that weresmaller than 3.7centimeters (about an inchand a half) were eradicatedin a single treatment.Seven of the remainingtumors were successfullyeliminated with a secondtreatment, resulting in a 93percent cure rate.

Despite their success,researchers cautioned that thestandard surgical approach(removing the affected kidney)should be used in patients whoare young, healthy and canafford to lose one kidney.However, I know that if Willwere still alive he would have chosen the zapper and maybe wouldstill be with us today.

Vann, M. (2007). Zapper kills kidney cancer almost 100%:Research shows rate from 100 patients. Cincinnati Enquirer.Cincinnati: A22.

The time is right (continued from page 2)

Bring-a-Friend is a one-on-one orfamily-to-family program. Share theMessage is geared toward churchservices, Sunday school classes and othergroups. Either way, if you help bringnew members into CHM it meansyou’ll receive free months ofparticipation.

For information abouteither program, pleasecall our MinistryInformation departmentat 1-800-791-6225, or e-mail sharethemessage@chministries.org. You alsocan visit

www.chministries.org/sharemessage.asp

Thank you for being part of the CHMfamily, an extension and part of theBody of Christ. We’re praying for youand we appreciate your prayers for us.

Editor’s note: These notes arejust a sample of the variouspositive responses the CHMoffice received in spring 2006when we first presented the ideaof a possible gift amountincrease.

Most members wrote that theyunderstood the need for anincrease in order to speed thetime for sharing the bills ofthose in need.You will be made rich in every way so that you can be

generous on every occasion, and through us yourgenerosity will result in thanksgiving to God.

This service that youperform is not onlysupplying the needs ofGod’s people but is alsooverflowing in manyexpressions of thanks toGod. -2 Corinthians9:11-12

Happy Thanksgiving!Happy Thanksgiving!

A LOOK INSIDE MY HEART by howard russell

Christian Healthcare Ministries · November 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 $1,767towards her bills, bringing the total amount neededto $233.

36. Glenn Boyd: Unit 3019 SCSDR, 3170Airmans Drive, Fort Pierce, FL 34946Glenn suffered from a heart attack whileteaching in the Dominican Republic and waslife flighted to the U.S. to receive the medicalcare he needed. His flight cost $16,700. Hewould appreciate your gifts and prayers.UPDATE: Glenn has received a total of $3,203in gifts, bringing the amount needed to $13,497.

PRAYER ONLY:

37. Rev. George Collins: PO Box 654, CassLake, MN 56633 Rev. Collins recentlyunderwent several surgeries and suffered bloodclots in his lung and a massive pulmonaryembolism. His wife also had a completehysterectomy. Rev. Collins asks the CHMfamily for prayer for their health and finances.

38. Patti Wren: 4819 FM 1553, Leonard,TX 75452 Patti’s husband, Ronnie, recentlypassed away in an accident. Please rememberPatti and her family during this difficult time.

39. Clyde Longan: PO Box 112, Altamont,

KS 67330-0112 Clyde was using a cuttingtool when the propane line exploded andburned most of his body. He was life-flightedto Tulsa and will need many skin grafts.Please pray for the Longan family.

40. David & Carol Navaretta: 645 GrahamRd., Lineville, AL 36266 David recently hada stroke and Carol asks for your prayers.

41. Grover & Glenna Dixon: HC 71 Box67A, Asbury, WV 24916-9607 Grover hasskin cancer and recently fractured part of hisback in a fall. Please remember the Dixons inyour 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 Christian Healthcare Ministries:

I want to thank you for the support andencouragement you gave me during my recentbout with basal cell cancer. Your daily prayeron my behalf and encouraging words fromBeth whenever I called made me realize onceagain how privileged I am to be a part of thisgroup of believers who help each other intimes of need.

At the beginning of the year, I noticed a spoton my cheek and another near my hairline thatwere not healing. Biopsies revealed that bothwere basal cell carcinoma.

Doctors told me that I needed two surgeries,one on each side of my face. I was told that itwould cost $900 for each operation. I asked ifboth surgeries could be performed at once andthe provider agreed.

When I received my bill, I asked if I could begiven a discount for making a one-time cashpayment. The adjusted bill that arrived shortlythereafter showed a 65 percent reduction!

Thank you so much for the encouragement toask for discounts. I can now see more clearlyhow CHM not only survives but thrives intoday’s environment of high health care costs. I am blessed and thankful for your faithfulness.

May the Lord continue to bless the efforts ofthis ministry to honor Him.

Your brother in Christ,

Henry W. Brame, Jr.Kansas City, KS

Editor’s note: Beth Kabellar works in the CHMNeeds Processing department.

Dear Friends at CHM:

We recently received reimbursement for ourmedical need and want to thank you for yourdiligence and integrity to members. Wethank you for your purpose and principles.

We continue to keep you all in our prayers.May God bless and prosper you in every way.

Sincerely,

Harold & Joyce LefeverWaterbury, CT

Dear Rev. Russell:

My wife and I have been CHM membersthrough the good and bad times. I write thisletter in response to a letter I received fromyou containing $1,000 in reimbursement ofour year 2000 medical need. I did not realizethat the funds would be sent in installments.One of your staff members told me that wewill receive the remaining amount before theend of the year.

It is difficult to believe how successfully youhave led the drive for integrity and ethics inattempting to pay back the astronomicalamount of funds due to members with year2000 needs. I knew that you weren’t legallyobligated to do so and I thought the taskwould eventually be abandoned.

This achievement is especially noteworthybecause you have accomplished the taskwithout raising participation costs. I hadeven encouraged you to raise monthly giftamounts in previous correspondence.Remarkable! Astounding! Outstanding! YourChristian testimony is to be highlycommended.

Have I given enough plaudits? You and yourstaff deserve more!

I find it so refreshing when Christians stepout in faith and live up to their promises.Your organization has done well. I can’t waitto see what the future holds as you climb outfrom under the weight of the past.

Yours in Christ,

Forrest WilliamsDelaware, OH

Editor’s note: In 2001 the ministry’s previousmanagement team was permanently removed forabusing members’ financial resources sent to helpother Christians in need. A 2004 court judgmentfound in favor of the new management team,which has implemented numerous internal controlsto ensure that members’ resources are handled withintegrity. Although not legally bound to do so, thenew management team pledged to meet all of theunpaid medical needs left by the previousmanagers. For more information about CHMcontrols and accountability, see your CHMGuidelines or contact the chief financial officer atrkitelson@chministries.org.

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 $26,103, reducingthe amount needed to $17,247.

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 $9,954 ingifts, bringing the total needed to $1,214.

3. Stuart Smith: 145 Cottage Grove Dr.,Collierville, TN 38017 (heart condition)UPDATE: Stuart wishes to express his heartfeltthanks for letters of encouragement and gifts totaling$42,237 from CHM members since August 2002.His total need is now $22,510.

4. Khristi L. Shores: 7329 Luella Anne Dr.NE, Albuquerque, NM 87109 (gallbladdersurgery) UPDATE: Khristi reports $8,968 ingifts, reducing the amount needed to $7,692.

5. Joy Hirth: 1704 Pauline Blvd., AnnArbor, MI 48103 (breast cancer) UPDATE:Joy has received a total of $1,014 in gifts and hasadded $959 in bills, bringing her need to $2,872.

6. Kathy Potts: 6380 Jackrabbit Lane #18,Belgrade, MT 59714 (back surgery)UPDATE: Praise God! Kathy reports $10,334 inbill reductions and $13,010 in gifts, bringing thetotal needed to $59,860.

7. Linda Whiteside: 3745 St. Rt. 15,Freeburg, IL 62243 (uterine fibroidembolization) UPDATE: Linda reports $7,736in gifts and $11,391 in added bills, bringing thetotal needed to $13,507.

8. Kenneth Roy Tufly: 10827 Hwy 200,Dixon, MT 59831 (partial kneereplacement) UPDATE: Roy reports a total of$7,618 in gifts, reducing his need to $11,934.

9. Diana Manners: 2244 Woodsdale Rd. Apt.B, Salem, OH 44460 (gallbladder condition)UPDATE: Diana reports $1,822 in gifts, bringingher total bills to $10,085.

10. Linda Fox: 3411 Deerwood Ct., Lebanon,OH 45036 (heart condition) UPDATE: Lindareports another $100 in gifts and $1,753 in addedbills, bringing the total needed to $1,811.

11. Gwynneth Preston: 1943 Forest Ave., St.Louis, MO 63139 (tachycardia) UPDATE:Gwynneth reports $4,137 in gifts, reducing theamount needed to $5,863.

12. 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 $5,734 in gifts,reducing the amount needed to $6,632.

13. Darrell Johnson: 60 Country Oaks,Woodward, OK 73801 (prostate cancer)UPDATE: Darrell reports a total of $4,282 ingifts and $8,861 in added bills, bringing the totalneeded to $12,032.

14. Carrie Hipley: 2852 N 500 E, Kendallville,IN 46755 (maternity) UPDATE: Carrie hasreceived a total of $540 in gifts, reducing theamount needed to $1,555.

15. Beth Kabellar: 3010 Wadsworth Rd.,Norton, OH 44203 (arthritis) UPDATE: Bethreports a total of $450 in gifts, bringing her need to $390.

16. Christine Hewett: 118 Forest Dr.,Shallotte, NC 28470-4454 (Carpal TunnelSyndrome) UPDATE: Christine reports $605 ingifts, bringing the total needed to $3,291.

17. 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.

18. 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 $19,389 ingifts, bringing the total needed to $8,626.

19. Rev. Myron Stump: PO Box 245, UnionCity, IN 47390 (heart surgery) UPDATE:Rev. Stump has received $7,425 in reductions and$726 in added bills. He reports $2,974 in gifts,bringing the total needed to $20,199.

20. Mary Trotzke: PO Box 2283, Dot Lake,AK 99737 (bunion/foot surgery) UPDATE:Mary has received a total of $2,122 in gifts,bringing her need to $4,020.

21. Peter Heaton: 19874 Hwy 24 #0,Leadville, CO 80461 (congenital condition[pectus excavatum]) UPDATE: Peter reports atotal of $7,253 in gifts, bringing the total to $27,155.

22. Jobe Reynolds: P.O. Box 98, Lamar, SC29069 (heart condition) UPDATE: Jobe reports$8,573 in bill reductions and $13,964 in gifts! Hehas added another $13,444 in bills, bringing the

total needed to $14,967.

23. 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 $7,399 in gifts. Her totalneed is now $2,297.

24. Rebecca Cooper: 61 CR 8401, Rienzi,MS 38865 (acute bronchitis) UPDATE:Rebecca received a $1,351 reduction and a total of$75 in gifts, bringing the total needed to $476.

25. Ruth Heyer: 105 N. Oak St., George, IA51237 (bladder repair & hysterectomy)UPDATE: Ruth reports a total of $7,857 in giftsand has added another $1,628 in bills, bringing thetotal amount needed to $7,560.

26. John French: 53 Pete Canada Rd.,Trenton, TN 38382 (kidney stonecondition) UPDATE: John has received a total of$2,209 in gifts, reducing the amount needed to $1,460.

27. Paula Byler: PO Box 45, Apple Creek,OH 44606 (pre-existing breast cancer)UPDATE: Paula reports $635 in gifts, bringingher total to $931.

28. Robert Welker: 8682 Mason-Lewis Rd.,Maysville, KY 41056 (heart condition)UPDATE: Robert has received a total of $3,130 ingifts, bringing the total needed to $2,416.

29. Billy Cox: 4390 Liberty Lane, Conway, SC29527 UPDATE: Billy has received $1,175 so farin gifts, leaving $69,488 in bills to be met.

30. James Blades: 1733 Hillcrest Dr.,Carthage, MO 64836 (total knee replacementsurgery) UPDATE: James reports $480 in gifts,bringing the amount needed to $28,520.

31. Kathleen “Angie” Lyons: 37053Birchwood St., Soldotna, AK 99669 Angierecently gave birth to her son, Levi Paul, and haspre-existing maternity bills for $13,917. Shewould appreciate your prayers and gifts.

32. Jill Nissila: PO Box 8, Hancock, MI 49930Jill had surgery for a chronic ankle conditionresulting from multiple injuries to her ATFligament. She has bills totaling $10,586 and asksthe CHM family for help.

33. Sally Roe: 2899 Sylvania Rd., Troy, PA16947 Sally has incurred $9,417 in bills forrepair of a pre-existing congenital kidneycondition. Please remember her with your giftsand prayers.

34. Waldo S. Legendre, Jr.: 217 Walnut St.,Covington, LA 70433 Waldo suffers fromcongestive heart failure and had to have stentsinserted into two arteries. He asks for help withbills totaling $97,378.

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 #19.

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 · November 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.

The non-assigned and prayer only needs appear on 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 November and will be re-listed in December. 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 rotationsGiving GuideALAKARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMS

MTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

#11#29#21#21#31#33#04#10#29#06#15#08#28#06#34#09#01#19#17#05#20#13#29#06#21

#19#29#26#25#27#16#23#14#12#34#07#04#30#33#03#03#22#34#02#18#24#08#01,09#32#01

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

November 2007

In This IssueCHM member? Time to join Brother’s Keeper • After eight years, the time is right

Kidney cancer zapper • Healthwatch • Letters to CHM • Prayer Page

Nonprofit Org.USPostage PAIDAkron OH 44309

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