Personal responsibility

All three participation levels are for medical cost exceeding your personal responsibility amount (It's like your insurance deductible):

  • $0 Gold plan

  • $1,000 Silver plan, per medical event

  • $5,000 Bronze plan, per medical event


​With each program, you receive credit toward your personal responsibility when you obtain a (self-pay) discount from the healthcare provider, of any amount on your eligible medical bills.

Each program has a per-illness limit of $125,000, this limit can be exceeded if you have Brother’s Keeper program (The Gold plan combined with the Brother’s Keeper program has a no limit amount per eligible illness!

The Gold plan has a $0 -zero- 'deductible' once your bills are over $500 for a covered medical event. You can not submit a bill to CHM for a medical event costing less than $500