CHM+ (formerly "Brother's Keepers") explained

CHM+ is an addition you can add to the Gold, Silver or Bronze plan.

With the Gold, Silver and Bronze plan your total coverage is $125,000 per medical event or illness.

If you want more coverage then CHM+ is for you.

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CHM+ is a low cost addition which give you:

• For the Gold plan: unlimited coverage amount per illness

• For the Silver plan: an addition $100,000 per illness, (total $225,000 per per illness, up to $1M)

• For the Bronze plan: an additional $100,000 per illness (total $225,000, per illness, up to $1M) 

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Cost

Additional cost is $32 per month, per person, up to 3 persons maximum pay. So if you have a family of 5 persons, than you only pay 3x $32 additional on top of your monthly share.

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Final note on CHM+

$125,000 coverage seems like a lot of money for a medical event. In most cases medical facilities give 40-70% discount if you are self-pay, especially non-profit hospitals and many other medical facilities.

 

Medical facilities boost up pricing because most people have insurance, and insurance companies only pay about 40% of what a medical facility bills out. The rest is written off. Therefor regular pricing is jacked up big time and when you are self-pay they are happy to reduce your bill, big time!

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So it's not unheard of that if your medical bills add up to $200,000 they are reduced to 50% - 60%. In that case you are still within your covered amount without CHM+.

 

Personally we did select CHM+ as it is an inexpensive option for a lot much more coverage (unlimited with the Gold plan).

For instance, an illness like cancer, can add up easily to $1M+ for all bills together. 

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