Plan Examples:
Example 1

You receive treatment early in the year for a gallbladder problem. Your bills for a doctors visit, sonogram, surgery, lab work, medications and follow up with the doctor totals to be $9,000. Because you are self pay the medical providers have given you a total of $3,000 self-pay discounts.

Gold plan coverage:

CHM pays $6,000 ($9,000 - $3,000), which is 100 percent of the cost after discounts. The Gold plan covers doctor visits (including follow up), surgery, lab work and medication during a covered medical incident.

CHM pays 100% of the cost

(after discounts) with the

Gold plan, in this example

 

Silver Plan coverage:

With the Silver plan, you have a personal responsibility of $1,000 (see it as a 'deductible'. Also the Silver plan does not cover doctor visits and medication. So your reimbursement won't be $5,000!

The total reimbursement will be $6,000 - $1,000 - doctors visit cost - medication cost.

Bronze Plan coverage:

With the Bronze plan, you have a personal responsibility of $5,000 ('deductible'). Make sure that if you consider the Bronze plan, that you have $5,000 or more available because in case of a medical event, the first $5,000 would be your responsibility!

In this example CHM would pay less than $1,000 to you as there is no coverage for your doctor visit and medication bill. I highly recommend you choose the Gold plan, or the Silver plan.

Example 2

In the middle of the same year you have some blood tests done for an unrelated illness. The total cost was $450. CHM does not share any of these bills because the total cost of the incident is less than $500.

The gold plan pays if your bill is over $500. The Silver plan pays if your bill is over $1,000 and the Bronze plan pays if your bills are over $5,000.

Here is a great way to pay for the $450 (click)

Example 3

At the end of the year you break your arm and the treatment amounts to $2,000.

Gold plan coverage:

CHM pays $2,000 which is 100 percent of the cost after discounts. The Gold plan covers doctor visits (including follow up), surgery, x-rays, lab work and medication during a covered medical incident.

Silver Plan coverage:

With the Silver plan, you have a personal responsibility of $1,000 (see it as a 'deductible'. The Silver plan does not cover doctor visits and medication. So your reimbursement won't be $1,000, it will be less due to the restrictions of the Silver plan.

Bronze Plan coverage:

With the Bronze plan, you have a personal responsibility of $5,000 ('deductible'). Make sure if you consider the Bronze plan, that you have $5,000 or more available because in case of a medical event, the first $5,000 would be your responsibility!

 

In this example CHM would pay nothing, as the first $5,000 would be your responsibility before any bills get shared.

 

Again, I highly recommend you choose the Gold plan, or the Silver plan.

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