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🛡️ CHM+ (formerly “Brother’s Keepers”) — Expanded Coverage Explained

CHM+ is an optional add-on available with any CHM plan—Gold, Silver, or Bronze. While the base plans offer up to $125,000 per medical event, CHM+ significantly increases your coverage.

 

🔧 What Does CHM+ Add?

Plan TypeBase CoverageCHM+ EnhancementTotal Coverage

 

Gold Plan-------Unlimited per illness

Silver Plan------$225,000 per illness (up to $1M lifetime)

Bronze-----------$225,000 per illness (up to $1M lifetime)

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💰 Cost of CHM+

• $32/month per person

• Maximum of 3 people per household billed → If you have a family of 5, you only pay 3 × $32 = $96/month for CHM+ → Everyone in your household is still covered

 

🧠 Why Consider CHM+?

While $125,000 may sound like generous coverage, here’s what you need to know:

• Self-pay discounts from hospitals often range from 40–70%, especially at nonprofit facilities

• Medical pricing is inflated for insurance billing—self-pay patients often receive substantial reductions

 

For example: A $200,000 hospital bill may be reduced to $100,000–$120,000 for self-pay patients → Still within CHM’s base coverage limit. However, some illnesses like cancer and certain surgeries can easily add up to $300,000 - $1 million in total costs. That’s where CHM+ becomes essential—especially with the Gold Plan’s unlimited coverage.

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✅ Our Personal Recommendation

We chose CHM+ for our family because it’s a low-cost way to unlock massive additional protection. If you want peace of mind for serious or long-term medical events, CHM+ is absolutely worth it. Keep in mind it's completely optional and you can always add it later. However if you are already into a medical event, it's too late to add.

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