Maternity
Care Solution

Our Maternity Care Solution (MCS) simplifies the maternity process and connects members with quality care, savings, and spiritual support! 

Important note: You must have joined CHM at least 300 days before the estimated delivery date. Please see the CHM Guidelines for more information. 

Here’s a snapshot of how it works: First, CHM members call the Maternity Care Team within the first 16 weeks of pregnancy. Those who call in the first 16 weeks can receive a $500 Personal Responsibility reduction! Next, the MCS team steps in to connect members with our nurse navigator, who can answer questions and help you find the best care in your area. Lastly, members will ask their provider for a prepayment agreement, which you’ll submit to CHM along with Sharing Request forms and any additional itemized bills. We’ll review the bills to make sure they’re properly itemized and eligible according to CHM Guidelines.

CHM shares qualifying medical bills for prenatal care, delivery (including cesarean and multiple births), home births, midwives, postnatal care, and complications that arise for mother and baby. 

For prenatal care, CHM shares: 

• Routine office visits 
• Lab tests 
• Maternity-related prescriptions and immunizations 
• Three ultrasounds 

For delivery, CHM shares costs associated with: 

• Facility labor and delivery 
• Physician labor and delivery 
• Anesthesiology services 
• Complications that arise for mother and baby 

Note: CHM shares expenses from either a midwife or a physician, not both (for an exception, see CHM’s maternity Guidelines). CHM doesn’t share expenses from more than one midwife. 

For postnatal care, CHM shares: 

• Mother’s postpartum check-ups 
• Lactation consultations 
• Postpartum depression treatment 
• Wellness visits, circumcision, and tongue tie for baby* 

For a list of ineligible maternity expenses, please refer to CHM’s maternity Guidelines. 

*See maternity Guidelines for more information on the baby’s eligibility under a mother’s membership unit.

CHM is a perfect fit for growing families! What’s great about CHM’s family membership is the three-unit maximum. This structure sets us apart from traditional insurance family plans. Whether you and your spouse have one child or ten, your monthly contribution will never exceed paying for three units. For many families, this frees up more of the budget for everyday expenses.  

Because CHM isn’t health insurance, members aren’t burdened by excessive costs and restrictions. Plus, different units can be on different CHM programs. This allows Christian families to get affordable support that accommodates their needs!

CHM’s Maternity Care Solution is available for Gold, Silver, and Bronze members, and eligible maternity events will be shared according to the member’s program participation 300 days prior to their expected due date, as verified by a medical professional. 

Eligible maternity events must satisfy the following maternity Personal Responsibility amounts before any reimbursement funds can be distributed: 

• CHM Gold: $2,500 
• CHM Silver: $5,000 
• CHM Bronze: $9,000 

For more information about maternity Personal Responsibility, please see the CHM Guidelines.

A nurse navigator can help guide you every step of the way, providing practical support throughout your pregnancy, including:

• Finding reputable healthcare providers nearby 
• Clarifying your options for childbirth 
• Explaining lab test results and possible health risks 
• Answering questions and providing helpful resources