Will CHM really pay for my bills?
Yes! They really do pay as long as it is within CHM's guidelines
(which are pretty straight forward and very reasonable), and the total of the bills (after discount) have to exceed your out-of-pocket:
Gold plan covers a medical incident over $500, no personal responsibility ($0.00).
Silver plan bills need to exceed bills of $1,000 per event
Bronze plan bills need to exceed bills of $5,000 per event
all before any self-pay discount from the medical facility/doctor etc.
The 'premium' every member put in each month will be used to shared the medical bills members submit. You have to be a Christian and attend Church on a regular basis. You have to have a faithful marriage. You can't smoke and have limited alcohol use. Click the button below to see their guidelines (which are in my opinion very reasonable and fair, as a Christian).
Also, with the Gold plan you can not submit any bills under $500.00 (before discount). Any bill before discount of over $500.00 you can submit to CHM through their easy online system.
Personally I have had 3 claims in the last three years with CHM. One time we had our baby and two times I ended up in the ER due to kidney stones.
All three times CHM paid in full (I have the Gold plan, which means bills over $500 are covered as long as they meet the guidelines).
I ended up paying $0.00 out of pocket for all 3 medical events so the full claims from A to Z were fully reimburse to me by CHM.
I did had to setup a payment plan for the time being until I received the money back from CHM. For the pregnancy it took longer, but for the ER visits they were reasonably in time for sending me my check.