CHM Plans

 

CHM offers 4 different plans:

- Gold Plan

- Silver Plan

- Bronze Plan

- SeniorShare Plan

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The Gold plan is the most comprehensive and has the most benefits. They include:

• Hospitalization and surgery

• Urgent care

• Medical testing

• Maternity for Mother and Baby

• Lab work and radiology

• Physical therapy

• Home health care 

• Incident/illness related doctor’s office visits

• Incident/illness related prescription medications

• Routine visits

• TeleMedicine doctor's visits

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Cost

$255 1 household member

$510 2 house hold members

$765 3 or more house hold members

A family of 3 or more only pay $765

CHM+ not included

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​The Gold level’s personal responsibility is $1,250 medical event (total bills for an illness or accident) over $1,250. See also Personal Responsibility and Qualifying Amount.

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Silver and Bronze members are responsible for the first $3,000 and $6,000 per medical incident, per calendar year.

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The Gold level offers many additional advantages such as an enhanced maternity program, more cost support for pre-existing conditions and some assistance for certain medical equipment and transportation cost. The CHM guidelines explain these (clearly) in more detail.

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Gold members who also join CHM+ have no limit on the dollar amount of medical bills that can be shared. Silver and Bronze members with Brother’s keeper see their per-illness limit increase by $100,000 per year until they reach a cap of $1 million per illness.

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To compare the cost between the Gold, Silver and Bronze plan, click here

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An 'incident' could be an illness or accident or a medical event.

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The most significant difference is that the Silver and Bronze programs are essentially for hospitalization (inpatient and outpatient services) and surgery, while the Gold plan offers coverage like most commercial insurances do.

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