Maternity: how CHM’s programs work and what’s eligible for sharing

Editor’s note: This information was published in a previous 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.

This information—and additional details—can also be found in CHM Guidelines and in the Gold program maternity guide.

Maternity health cost support is part of Gold members' CHM membership; ministry staff members want to help make your experience full of joy and excitement as you welcome new life into the world.

The mother must have joined the ministry as a Gold member at least 300 days before the due date estimated by your doctor. 

The Silver and Bronze levels exclude all maternity costs. Please consider the Gold program if you’re a woman who may become pregnant.

Pregnancy costs eligible for sharing (Gold program)

On Gold, CHM shares qualifying maternity bills for:

  • pre-natal (including up to three ultrasounds unless a complication requires more)
  • hospital delivery (including cesarean and multiple births)
  • home births
  • midwives 
  • complications (mother and baby)
  • post-natal 
  • lactation visits


Ineligible pregnancy costs (Gold program):
  • immunizations (mother and infant)
  • supplements purchased without a prescription
  • doula services
  • birthing tubs or related items (if delivering with a midwife)
  • breast pumps
  • the CHM Guidelines contain a complete list of ineligible maternity expenses

What to do when you learn you’re pregnant

Call our Maternity Support Team: The Gold program’s maternity expenses are eligible for sharing after meeting the $1,500 Personal Responsibility amount per pregnancy. This Personal Responsibility amount can be reduced to $1,000 if you contact our Maternity Support Team (MST) by phone prior to conception or within 16 weeks of pregnancy. The MST offers:

  • Guidance on finding quality maternity care in your area
  • Emotional and spiritual support
  • Access to a nurse (9am-5pm EST)
  • Helpful maternity resources


OB/GYN or midwife services: Seek a prepayment agreement—sometimes called a “stork package” or “global fee”—from your OB/GYN or midwife as soon as possible. The OB/GYN agreement usually includes costs for your pre-natal appointments, blood work and physician labor and delivery charges.

After receiving the prepayment agreement, immediately upload the following into your CHM Member Portal account: the prepayment agreement; completed Maternity Verification Form and worksheet; HIPAA; and any bills incurred so far. 

If your provider will not provide you with a prepayment agreement and will instead bill you per visit, you’ll need to submit to CHM an itemized bill for each date of service.

Hospital birth: Seek a hospital prepayment agreement (different from your OB/GYN prepayment agreement). While midwife global fees typically include delivery at your house, OB/GYN global fees will often not include the facility delivery charges. Many hospitals will put together a pre-payment agreement for your facility fees if you ask for one.

We recommend you request it be sent to you as quickly as possible, but no later than three months prior to your due date.

After receiving the prepayment agreement, immediately mail it or upload it to your CHM Member Portal account. If you haven’t yet filled out the member bill processing forms, you’ll need to do so at this time. If you’ve already filled out the forms for this pregnancy, there’s no need to complete them a second time. Just submit the prepayment agreement as a “maternity add-on” bill.

Birthing center or home birth: If you aren’t birthing at a hospital, you’ll need just one prepayment agreement from the provider who will deliver the baby. This agreement should include any services from prenatal care up through the birth of the baby, as well as postpartum expenses up to six weeks following the birth. Any additional charges should be submitted to CHM as a “maternity add-on.” You can upload your prepayment agreement and sharing request forms to your CHM Member Portal account.

Potential pitfalls to avoid
  • Becoming pregnant too soon after joining CHM: pregnancy expenses cannot be shared if there isn't 300 days between the start date and estimated due date.
  • Changing your CHM program from Gold to Silver or Bronze if you intend to have children: the pregnancy costs will not be shared.
  • Neglecting to thoroughly review the CHM maternity Guidelines before and during your pregnancy: the CHM Guidelines contain further information about babies as CHM members; ineligible bills; adoption; congenital conditions; midwives; and more.
  • Waiting until after the birth to submit medical expenses (send in ahead of time as many prepayment agreements and bills as possible).
  • Forgetting to notify the ministry when your child is born.



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