Compare Healthcare

How does CHM work?

​

Christians share each other’s medical bills by the monthly share (your monthly 'premium'). CHM is not an insurance company, it's based on Galatians 6:2 (“Carry each other’s burdens and so fulfill the law of Christ”) and on the actions of the New Testament church found in Acts 2 and 4.

​​

​

​

​

​

​

After paying your monthly share (like an insurance premium) you can submit bills to CHM for reimbursement.

​

All medical events within the Guidelines of CHM will be paid from the monthly shares (premiums) all CHM members put in. 

​

However, there are minimums to meet and you have a personal responsibility:

​

Personal Responsibility

Members have a annual Personal Responsibility (PR) if they have a medical event. (It's like an annual insurance deductible) 

​

Gold Plan; member pays $1,000 per year

Silver Plan; members pay $2,500 per year

Bronze Plan; members pay $5,000 per year

​

​

Qualifying Incident

The Qualifying Amount (QA), is an amount what needs to be met, before you can submit bills to CHM and become eligible for reimbursement. This is not for a single bill, this is for your total bills of one medical event.

​

For the Gold plan, the minimum amount to submit a medical event for reimbursement: $1,000 after discount.

​

Examples:

In January you go to the doctor. He orders a CT scan, Ultra Sound, Lab work and a follow up visit. The total bills for this medical event add up to be $1,550.00 after self pay discounts for the CT Scan, Ultrasound, Labs and doctor visits.

​

You submit all the bills. Your reimbursement will be $550.00 from CHM, because you have a Personal Responsibility of $1,000.

​

In July you see your specialist, who orders a colonoscopy. The visit, colonoscopy and the follow up visit total an amount of $3,000 after discount.
 

CHM will reimburse you $3,000 because you have met your PR -personal responsibility- AND your QA - Qualifying Amount- is over $1,000, so you have met all the criteria.

​

In November you go for your annual exam. The doctor orders lab work and some other medical testing. Your total bills add up to be $1,000. 

​

Because you have met the QA (Qualifying Amount of $1,000 and you already have met your annual deductible, your reimbursements from CHM will be $1,000.

​

The Qualifying Amount for the Silver plan is $2,500 and Bronze $5,000.

Please note that with the Silver or Bronze plan, "Routine" incidents are not covered. All the examples above are with the Gold plan.