*Editor’s note: This information was published in the December 2023 issue of Heartfelt Magazine, CHM’s monthly magazine that provides CHM membership-related tips and tricks, testimonies from CHM members, and more. Please refer to the CHM Guidelines and applicable web pages for the most up-to-date information regarding CHM membership, sharing eligibility, and ministry news.*
The CHM Guidelines have been updated and improved for your benefit in 2024. It’s important to reference the CHM Guidelines (found in your Member Portal) for complete details on the changes and all other medical bill eligibility criteria.
Among the expanded sharing and clarified information is:
- Sharing for qualifying CHM Gold members with congenital conditions will increase from $125,000 to $200,000 per illness. This applies to babies born into the ministry through an eligible maternity event and babies adopted at birth (Guideline V.C.9).
- Sharing for CHM Gold members requiring life-sustaining medical equipment was increased from a lifetime $4,000 limit to $8,000 per eligible illness (Guideline V.C.6).
- New moms with eligible maternity can receive treatment for postpartum depression up to 90 days after delivery (Guidelines V.E.22 and VII.A.4.b.6). This is also available for women experiencing loss through miscarriage or stillbirth.
- Expenses for a miscarriage or stillbirth can be considered for sharing even if the pregnancy wasn’t eligible for sharing (Guideline VII.A.11).
- There’s now a specific list of ineligible extreme sports (Guideline V.C.10). Injuries that happen because of these sports are ineligible for sharing. If a sport isn’t listed, injuries from participation can be considered for sharing as long as all other sharing criteria are met.
- Hazardous activities are listed; sharing may be eligible when the member doesn’t participate in the activity as a professional or for financial compensation (Guideline V.C.10) and all other sharing criteria are met.
- Safety equipment requirements apply to injuries involving motor vehicles—defined as vehicles designed for use on public roads and subject to state registration requirements (Guideline V.D.1).
Additionally, we’ve taken care to clarify how eligibility is determined:
- Additional ineligible medical expenses list wording (Guideline V.E) gives members a better understanding of which services are ineligible.
- Membership qualifications are reinforced. Members not adhering to the personal testimony Guideline (II.A.1) may forfeit their opportunity to submit bills for sharing (Guideline V.E.47).
- Members are responsible for submitting medical records when requested by CHM (Guideline II.E.6 and V.E.46).
These updates will apply to bills incurred beginning January 1, 2024. Bills incurred prior to 2024 will be processed in accordance with the 2023 Guidelines.
If you have any questions about eligibility or an upcoming medical procedure, please contact Member Services at (800) 791-6225.