There are three participation levels from which CHM members may choose:

Gold = $150.00 per unit, per month

            • $500 personal responsibility per unit, per calendar year*
            • Inpatient or outpatient hospital incidents or surgery
            • Doctor’s office visits 45 days before and after medical testing
            • Prescriptions 45 days before and after medical testing
            • Physical therapy and home health care (up to 45 visits)

            *Total bills incurred per incident must exceed $500.

Silver = $85.00 per unit, per month

            • $1,000 personal responsibility per incident
            • Inpatient or outpatient hospital incidents or surgery

Bronze = $45.00 per unit, per month

            • $5,000 personal responsibility per incident
            • Inpatient or outpatient hospital incidents or surgery

*Due to the large increase in the cost of medical care and in order to keep bill sharing time to a minimum, CHM gift amounts increased for the first time in eight years on January 1, 2008. The change affects all current and future CHM members.

Understanding units

(See CHM Guideline B for a detailed explanation of units.)

            One unit = One qualifying individual (See How it works / how to join)
            Two units = Any two qualifying immediate family members
            Three units = Three or more qualifying immediate family members (No family’s monthly financial gift exceeds three units, regardless of the number of immediate family members.)

Counting the cost: How CHM compares with traditional health insurance

Source: 2007 Annual Employer Health Benefits Survey, Kaiser Family Foundation and Health Research and Educational Trust.

* The CHM financial figures are from 2008 rather than 2007. On Jan. 1, 2008, CHM raised monthly gift amounts for the first time in eight years. Insurance premium prices rose 6 to 14 percent annually during the same time period.

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