Self Pay explained

 

Some people find it a disadvantage with CHM, that you have to negotiate

your own discount. 
 

It turns out that this is not a hassle at all:

• Tell the doctor's office / facility that you are a "self-pay patient". 

  • Many offices have a self-pay discount policy already in place

  • Tell them you are a member of a Christian Organization who will help pay with the bills 

• Ask them if they offer any self-pay discount. As the doctor/medical facility doesn't have to submit a bill to the insurance they are usually glad to do it. In most cases self-pay discounts are already setup in most offices.

  • Most doctors / facilities already have a self-pay amount program setup 

• Setup a payment plan for now until you receive the check from CHM 

 

In 2018 when I had to go to the ER for a kidney stone, I told them I was self-pay. They said their self-pay amount is $450.00 for the hospital part. Later I got a separate bill from the doctor at the ER and a bill for the CAT-SCAN. I called the medical facility who sent me the bill and explained I was self-pay. Again they already had self-pay discount policy in place which reduced my bills in half. 

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The total out of pocket expenses added up to nearly $1,300 which I submitted online to Christian Healthcare Ministries (total bills added up to over $6,000, but after self pay discount it was around $1,300). 

 

Since I have the Gold plan and my total bills were over $500, my out of pocket expenses turned out to be $0.00! I received my check from Christian Healthcare about 2 months later for the full amount of around $1,300)

 

I had to setup payment plans until I received the check (all expenses paid) from Christian Healthcare Ministries.

 

Christian Healthcare reimbursed me everything for

• ER visit

• ER doctor

• CAT-SCAN

• Lab work

• Medicine given at the ER

• Medication prescribed for pain when I got home

• Follow up visit with the urologist

• X-RAY prescribed by the urologist

 

There was nothing left unpaid by CHM. They are simply an

awesome ministry!

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PLEASE NOTE: In 2025 there is a personal responsibility of $1250 for the year with the Gold plan.