CHM: a great complement to Medicare (part 3)

From the November 2019 issue of Heartfelt Magazine.

Editor’s note: To read parts 1 and 2 of this article series, see the CHM September and October issues of Heartfelt Magazine, available at Most of this information is also available on the CHM website at

Does CHM share bills for nursing home or travel expenses?

CHM’s goal is to help you prepare for unexpected events and to help you as best we can to be secure as you grow older.

According to the CHM Guidelines, bills for nursing homes are ineligible for sharing. Long-term care insurance is a great option for people who may need nursing home benefits. More information about costs is available by contacting your insurance agent.

Medical transportation and traveling expenses are defined separately in the CHM Guidelines. At the Gold level, CHM cannot share bills incurred for medical transportation from the site of your emergency to a medical facility.

However, bills for medical transportation are eligible for sharing at the Gold level when:

  1. you’re in a life-threatening situation; and
  2. you’re transported from one hospital to the nearest hospital than can provide the necessary services; and
  3. the reason for the transfer is because the first hospital cannot adequately care for you.

(Medical transportation bills on the Silver and Bronze level are not eligible for sharing.)

Travel expenses are not eligible for sharing.

Will CHM help with my medical costs if I’m traveling and need emergency medical care?

Circumstances are similar regardless of your location. Bills will be shared if they meet CHM’s Guidelines.

What happens if I receive treatment from a doctor or hospital that doesn’t accept Medicare?

Though CHM doesn’t have a provider network, please note that if you choose to go to a non-participating Medicare provider, CHM can only share 20 percent of your eligible medical charges. For your benefit, please choose providers who accept Medicare.

Do Bring-a-Friend credits still apply if I have both Medicare and CHM?

A great advantage of being a CHM member is that you can receive a free month of membership for each new membership you bring into CHM (to learn more, visit Members who participate in Medicare are included. Referring a friend will earn you one free month when your friend submits their third monthly financial gift.

When should I let CHM know I’m dropping because of Medicare?

Though we encourage you to keep CHM as a complement to Medicare, the decision is, of course, yours. You can discontinue your membership at any time. You must give a 30-day notice for the cancellation to take effect.

If you’d like to drop CHM but have bills that have not been shared, please call CHM for additional assistance.

Editor’s note: The CHM Guidelines state that members or prospective members of Medicare-eligible age must have Medicare parts A and B. Members of Medicare age who do not participate can only receive help with eligible medical bills in the amount that Medicare would not have paid (typically 20 percent). The outstanding balance will be your responsibility.

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