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Click a scenario to explore the cost sharing process

How cost sharing works

How cost sharing works

Sports Injury
This scenario provides a common example of how CHM satisfies eligible medical bills for illnesses and incidents.
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Cancer
This scenario provides a common example of how CHM satisfies eligible medical bills from cancer.
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Maternity
This scenario provides a common example of how CHM satisfies eligible medical bills through its maternity program.
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Sports Injury
Cancer
Maternity
Cost Breakdown
Emergency room$8,000
Surgery$15,000
Inpatient care$30,000
Follow-up care$8,500
Estimated Total Costs$61,500
Hospital care$550,000
Laboratory$150,000
Imaging$40,000
Chemotherapy/radiation$600,000
Estimated Total Costs$1,340,000
Prenatal care (global fee)$3,000
Hospital costs (flat rate)$6,000
Postpartum care$1,000
Well-childcare (up to 6 weeks)$500
Estimated Total Costs$10,500
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Our simple sharing process
  1. 1.
    Choose a Healthcare Provider
    You have the freedom to choose quality care and receive self-pay discounts from healthcare providers.
    $61,500
  2. 2.
    Submit Medical Bills
    Answer a few simple questions, upload medical bills, and note any discounts you’ve received. It takes just minutes!
    $30,750
    Example includes 50% in self-pay discounts.
  3. 3.
    Receive Reimbursement Funds
    Your CHM family takes care of your eligible medical bills, minus any discounts you received.
    $29,500
    This amount reflects what’s remaining after discounts and your Personal Responsibility.
What You Owe (With CHM Gold+)

Your Personal Responsibility is the amount you are required to pay each year when a medical incident occurs.

$1,250
vs. health insurance
*$2,000

* The estimated costs and satisfied bills are based on the assumption that your annual Personal Responsibility has been fulfilled and all remaining expenses have been verified as eligible by CHM.
* Source: Average cost of various insurance plans from Healthcare.gov.

Explore Programs
  1. 1.
    Choose a Healthcare Provider
    You have the freedom to choose quality care and receive self-pay discounts from healthcare providers.
    $1,340,000
  2. 2.
    Submit Medical Bills
    Answer a few simple questions, upload medical bills, and note any discounts you’ve received. It takes just minutes!
    $670,000
    Example includes 50% in self-pay discounts.
  3. 3.
    Receive Reimbursement Funds
    Your CHM family takes care of your eligible medical bills, minus any discounts you received.
    $668,750
    This amount reflects what’s remaining after discounts and your Personal Responsibility.
What You Owe (With CHM Gold+)

Your Personal Responsibility is the amount you are required to pay each year when a medical incident occurs.

$1,250
vs. health insurance
*$2,000

* The estimated costs and satisfied bills are based on the assumption that your annual Personal Responsibility has been fulfilled and all remaining expenses have been verified as eligible by CHM.
* Source: Average cost of various insurance plans from Healthcare.gov.

Explore Programs
  1. 1.
    Choose a Healthcare Provider
    You have the freedom to choose quality care and receive self-pay discounts from healthcare providers.
    $10,500
  2. 2.
    Submit Medical Bills
    Answer a few simple questions, upload medical bills, and note any discounts you’ve received. It takes just minutes!
    $5,250
    Example includes 50% in self-pay discounts
  3. 3.
    Receive Reimbursement Funds
    Your CHM family takes care of your eligible medical bills, minus any discounts you received.
    $2,750
    This amount reflects what’s remaining after discounts and your Personal Responsibility.
What You Owe (With CHM Gold+)

Members can receive a $500 reduction to their $2,500 maternity Personal Responsibility by calling CHM within the first 16 weeks of their pregnancy.

$2,500
vs. health insurance
*$3,575

* The estimated costs and satisfied bills are based on the assumption that your annual Personal Responsibility has been fulfilled and all remaining expenses have been verified as eligible by CHM.
* Source: Average cost of various insurance plans from Healthcare.gov.

Explore Programs