How does CHM work?
Christians share each other’s medical bills by the monthly share (your monthly 'premium'). CHM is not an insurance company, it's based on Galatians 6:2 (“Carry each other’s burdens and so fulfill the law of Christ”) and on the actions of the New Testament church found in Acts 2 and 4.
After paying your monthly share (like an insurance premium) you can submit bills to CHM for reimbursement.
All medical events within the Guidelines of CHM will be paid from the monthly shares (premiums) all CHM members put in.
However, there are minimums to meet and you have a personal responsibility:
Members have a annual Personal Responsibility (PR) if they have a medical event. (It's like an annual insurance deductible)
Gold Plan; member pays $1,000 per year
Silver Plan; members pay $2,500 per year
Bronze Plan; members pay $5,000 per year
The Qualifying Amount (QA), is an amount what needs to be met, before you can submit bills to CHM and become eligible for reimbursement. This is not for a single bill, this is for your total bills of one medical event.
For the Gold plan, the minimum amount to submit a medical event for reimbursement: $1,000 after discount.
In January you go to the doctor. He orders a CT scan, Ultra Sound, Lab work and a follow up visit. The total bills for this medical event add up to be $1,550.00 after self pay discounts for the CT Scan, Ultrasound, Labs and doctor visits.
You submit all the bills. Your reimbursement will be $550.00 from CHM, because you have a Personal Responsibility of $1,000.
In July you see your specialist, who orders a colonoscopy. The visit, colonoscopy and the follow up visit total an amount of $3,000 after discount.
CHM will reimburse you $3,000 because you have met your PR -personal responsibility- AND your QA - Qualifying Amount- is over $1,000, so you have met all the criteria.
In November you go for your annual exam. The doctor orders lab work and some other medical testing. Your total bills add up to be $1,000.
Because you have met the QA (Qualifying Amount of $1,000 and you already have met your annual deductible, your reimbursements from CHM will be $1,000.
The Qualifying Amount for the Silver plan is $2,500 and Bronze $5,000.
Please note that with the Silver or Bronze plan, "Routine" incidents are not covered. All the examples above are with the Gold plan.