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Pre-existing conditions

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A pre-existing condition is any medical condition for which you experience signs, symptoms and/or treatment before joining CHM, even if you have not been diagnosed. CHM cannot share medical bills incurred before you join the ministry.

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Active vs. maintenance: CHM distinguish between pre-existing conditions in “active” treatment and “maintenance” treatment.

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Medical bills cannot be shared if, at the time you join CHM, the bills are for pre-existing conditions that are actively undergoing treatment other than with maintenance (routine) medications.

 

After the incident is over and your doctor states that you are on a maintenance treatment regimen, bills for any new incident related to the pre-existing illness are eligible for sharing according to the information below:

 

If these criteria are met, Gold level members can receive assistance with medical bills for pre-existing conditions according to the following schedule:

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• In the first year of participation, bills incurred for a pre-existing condition are eligible for sharing up to $15,000.

• In the first two years of participation, bills incurred for a pre-existing condition are eligible for sharing up to $25,000 ($15,000 during the first year plus $10,000 during the second year).

• In the first three years of participation, bills incurred for a pre-existing condition are eligible for sharing up to $50,000 ($15,000 during the first year plus $10,000 during the second year plus $25,000 during the third year).

• After the third year of participation, the condition will no longer be considered pre-existing.

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What if I have a pre-existing condition exceeding

the eligible amount???

Bills exceeding the three-year schedule listed above may be eligible to appear on the ministry’s Prayer Page printed in the monthly CHM newsletter.

 

All CHM members are invited and encouraged to give to Prayer Page needs (above regular monthly gifts) as they feel led. Members’ names, addresses, medical need explanation and gift updates are included on the page.

 

This incredible ministry and it's prayer page really does work! Members with pre-existing conditions who incur medical bills over the allowed amount, are still receiving money from CHM because faithful members giving above and beyond to help other fellow Christian members. 

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The current monthly CHM magazine states that if every member gives a one time donation of $18 it would pay for every bill on the prayer page (which is typically over 100 people with lot's of medical bills).    

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Maternity: If a member joins CHM while she is pregnant, bills for that pregnancy cannot be shared through the regular CHM sharing program or through the Prayer Page. Members must have a due date for delivery at least 300 days after joining CHM for bills to be eligible for sharing.