Maternity
CHM offers a maternity program at no extra cost to members. We want this experience to be full of joy and excitement as you welcome a new life into the world!

We highly recommend the Gold program for women who may become pregnant (see table below). Bills from pregnancies that began before you joined CHM are not eligible for sharing; you must have a due date for delivery at least 300 days after joining CHM for bills to be eligible for sharing. To learn more, visit our pre-existing conditions page.

Maternity costs are eligible for sharing up to $125,000 per pregnancy according to the chart below. Brother’s Keeper participation increases the $125,000 limit (there is no limit if you are on the Gold program with Brother’s Keeper).

Helpful Resources


Download our complete Gold program maternity guide or view the CHM maternity Guideline (Guideline R). You can also download a sample medical bill log that will help you keep track of your maternity bills.


Maternity Comparison
Gold Silver Bronze
Pre-natal Included Not included Not included
Hospital delivery Included Included Included
Midwife Included Up to $2,500 per pregnancy Not included
Post-natal (up to 6 weeks) Included Not included Not included
Complications Included Included (hospital treatment only) Included (hospital treatment only)
Pre-existing pregnancies (see definition above) Not included Not included Not included