Gold program
$150 per unit, per month

Please see the CHM Guidelines for more information.

The Gold program provides members with the ministry’s most extensive financial support.

CHM shares 100 percent of bills for any medical incident exceeding $500 as long as all other Guidelines are met. (Total bills incurred per incident must exceed $500 in order to be eligible for sharing.) You can receive assistance up to $125,000 per illness.

Example: You receive treatment early in the year for a gallbladder problem. Your bills total $7,500 and you receive $2,500 in healthcare provider discounts. CHM shares $5,000 ($7,500-$2,500), which is 100 percent of the cost after discounts. In the middle of the same year you have some blood tests done (for an unrelated illness) that cost $400. CHM does not share any of these bills because the total cost of the incident is less than $500. At the end of the year, you break your arm and the treatment amounts to $2,500. CHM shares the entire amount of $2,500 because the incident totals more than $500 and the treatment meets all other CHM Guidelines.

Gold plus Brother’s Keeper

If you join at the Gold level and also join Brother’s Keeper, you will have unlimited financial assistance available to you for all eligible medical bills (all eligible medical bills over $500 per incident).

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Silver program
$85 per unit, per month

Please see the CHM Guidelines for more information.

At the Silver level, you have a $1,000 personal responsibility per incident. In other words, you need to pay $1,000 (or receive at least $1,000 worth of discounts on your medical bills) per incident before CHM helps share your expenses. You can receive assistance up to $125,000 per illness.

Silver plus Brother’s Keeper

Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, members receive an additional $100,000, accruing up to $1 million per illness.

Bronze program
$45 per unit, per month

Please see the CHM Guidelines for more information.

At the Bronze level, you have a $5,000 personal responsibility per incident. In other words, you need to pay $5,000 (or receive at least $5,000 worth of discounts on your medical bills) per incident before CHM helps share your expenses. You can receive assistance up to $125,000 per illness.

Bronze plus Brother’s Keeper

Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, members receive an additional $100,000, accruing up to $1 million per illness.


Program Comparison
Gold Silver Bronze
Personal Responsibility No Personal Responsibility for medical incidents exceeding $500; please see description and example above $1,000 per medical incident $5,000 per medical incident
Sharing limit $125,000 per illness $125,000 per illness $125,000 per illness
Sharing limit w/Brother’s Keeper (more information) Unlimited per illness An additional $100,000 per illness, per year; up to $1 million An additional $100,000 per illness, per year; up to $1 million
Hospitalization (inpatient/outpatient) Included Included Included
Surgery (Performed at a facility that meets accepted standards of care) Included Included Included
Doctor’s office visits Incident-related Not included Not included
Prescriptions (more information) Incident-related Not included Not included
Physical therapy/home healthcare Up to 45 visits per incident Not included Not included
Maternity Up to $125,000 per pregnancy or unlimited w/Brother’s Keeper Only hospital treatment (up to $125,000 per pregnancy) or up to $2,500 for midwife services per pregnancy Only hospital treatment (up to $125,000 per pregnancy) is eligible for sharing
Alternative care Not included Not included Not included