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Change beginning January 1, 2022: CHM’s monthly gift amounts will be as follows: Gold at $205, per unit; Silver at $125, per unit; Bronze at $85, per unit.
Important change beginning April 1: CHM’s monthly gift amounts for all members are:
Some limitations apply concerning pre-existing conditions for all programs.
For Maryland residents only: Learn additional information regarding CHM membership for Maryland residents here.
|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|
|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 each type||Not included||Not included|
|Maternity (more information)||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|
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.