How does CHM work?
Christians share each other’s medical bills by the monthly share ('premium') they put in. CHM is not an insurance company. CHM is 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.
In other words
All members pay their monthly 'share' (premium). When a member has a bill over $500 for the Gold plan, $1,000 for the Silver plan and $5,000 for the bronze plan -before any discounts- he/she can submit this bill to CHM.
Any bill within the Guidelines of CHM will be paid from the monthly share (premiums) all CHM members put in.
For the Gold plan, if your total bills add up to be over $500.00 and follow the CHM Guidelines, you will get fully reimbursed.