Regular doctors visits (wellness/routine) are not covered (unless they are related to a medical event/incident).
However, as of October 1 2021 a 'telemedicine' visit (talk to a licensed US doctor via phone/video chat) is covered, 24/7 for all CHM members at no additional charge. Scroll down for more information.
So how can I afford to see a doctor or a specialist??
With 'regular' insurance, on average people pay about $35.00 copay.
Also the average person pays $495.00 on health insurance premium, per person, per month (source: ValuePenguin.com).
With the Gold plan you pay $172.00 'premium' per person, per month
You save approx. $323.00 from the national average, per person, per month.
Put this $323.00 (or at least a portion of that amount) in a savings account every month and it will be easy to pay any doctor's bill when you need it.
If the doctors visit requires lab work, testing, a follow up, and the total bills add up to be over $500, then you can submit your bill to CHM. You will have a $0 deductible and CHM will reimburse you in full (with the Gold plan)
At the doctor's office:
At the time of check-in and making the appointment, explain that you are "self-pay"
Most doctors offices have significant reduced fees for self-pay patients as they don't have to file a claim and wait for their money. Doctors offices love self-pay patients and have a self-pay discount policy in place.
Use the "health savings account" technique -as described above to pay for doctor visits.
Questions (click to learn more):