CHM for newbies: The right CHM program for you

Editor’s note: This information was published in the March 2020 issue of Heartfelt Magazine, CHM’s monthly magazine that provides CHM membership-related tips and tricks, medical advice from doctors, testimonies from CHM members, and more. Please refer to the CHM Guidelines and applicable web pages for the most up-to-date information regarding CHM membership, sharing eligibility, and ministry news.

CHM enables hundreds of thousands of Christians to participate in three different budget-friendly membership levels: Gold, Silver, and Bronze. Additionally, members can participate in CHM’s Brother’s Keeper program to receive assistance with catastrophic medical bills.

CHM’s participation levels provide different services, and it’s important for you to be certain that you’re at the right level for your individual or family needs.

The CHM staff always recommends the Gold level because it provides the most financial assistance. At Gold, any medical incident that exceeds $500 will be shared 100 percent, up to $125,000 per illness or injury, if the expenses are eligible under the ministry’s Guidelines.

Example: A woman who is a CHM Gold member becomes pregnant. After reading the CHM Gold maternity guide she requests from the doctor a global or “stork” fee—a maternity prepayment agreement. The global fee is $10,000, and the member receives a $2,000 discount for being a cash-pay patient. After nine months, she experiences a normal delivery and births a beautiful new baby. CHM shares $8,000 ($10,000 minus the $2,000 discount), which is 100 percent of the member’s maternity bills.*

The Gold program is right for you if:

  • You’re comfortable with being responsible for the first $500 of your medical needs.
  • You want to receive medical cost assistance on:
    • inpatient or outpatient hospital incidents and surgery
    • medical testing
    • therapy and home healthcare
    • incident-related doctor’s office visits
    • incident-related prescriptions
  • You have pre-existing conditions (Editor’s note: Medical bills cannot be shared if, at the time you join CHM, you have experienced any signs or symptoms, or if your bills are from pre-existing conditions that are actively undergoing treatment other than with maintenance [routine] medications).
  • You’re a woman who may become pregnant.*

The Silver program is right for you if:

  • You’re comfortable with being responsible for the first $2,500 per medical incident (any medical bill discounts received will be applied towards your personal responsibility).
  • You prefer cost assistance for inpatient or outpatient hospital incidents and surgery only.
  • You don’t wish to receive cost assistance for maternity expenses.

The Bronze program is right for you if:

  • You’re comfortable with being responsible for the first $5,000 per medical incident (any medical bill discounts received will be applied towards your personal responsibility).
  • You prefer cost assistance for inpatient or outpatient hospital incidents and surgery only.
  • You don’t wish to receive cost assistance for maternity expenses.

The importance of Brother’s Keeper:

Each CHM regular program participation level provides $125,000 of sharing support for a medical diagnosis, but there are major differences between levels that might seem insignificant—until a medical event occurs.

Silver and Bronze members participating in Brother’s Keeper will receive an additional $100,000 of cost support with each annual renewal of the program, capping off at $1 million per illness. When Brother’s Keeper is added onto the Gold membership, there is unlimited cost support—meaning there is no sharing limit as a Gold plus Brother’s Keeper member.

If you’re not confident that you’re participating at the right level, there’s no time like the present to make the switch to the program that best meets your needs.

* Editor’s note: Maternity is shared on the Gold level only. Women who wish to use CHM’s Gold program for maternity expenses must be Gold members at least 300 days prior to their doctor’s estimated due date and allow 30 days for the change to take effect.

 

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