Editor’s note: This information was published in a previous issue of Heartfelt Magazine, CHM’s monthly magazine that provides CHM membership-related tips and tricks, medical advice from doctors, 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.
1) Send your medical bills on time.
The medical bill sharing “clock” begins when CHM receives your bills and forms. To be eligible for sharing, these items must be sent to CHM within six months of the date of service. Please notify our staff before the six-month deadline if the reason for submission delay is that you’re still awaiting bills from your healthcare providers.
2) Make sure your bills are itemized.
The CHM Guidelines state that to be shared, medical bills must be itemized.
Itemized bills have five components:
- patient’s name
- date of service
- place of service
- description of service or procedural (CPT) codes
- charge for each service
Please note that members with Medicare should only submit itemized bills for prescriptions. For all other charges, please submit your Medicare Summary Notice in lieu of itemized bills.
3) Include the medical bill processing forms.
The required forms include:
- Needs Processing Form
- Needs Processing Worksheet
- HIPAA-compliant Medical Release Form
- Letter of Explanation
We may also need:
- Checklist of Understanding (if you didn’t complete it when you joined CHM; it can be completed in the online Member Portal)
- Prayer Page Form (only required if you have a pre-existing condition)
- Your official medical records (we’ll only request them if necessary.)
Each form contains essential information that enables the CHM staff to process your bills quickly and accurately.
4) Please don’t send unnecessary information.
To process your medical bills there are a number of items CHM doesn’t need. The less time CHM staff members spend going through these items, the faster medical bills can be shared. Here are some items we routinely receive from members that actually slow sharing time:
- discharge instructions
- pre-operation/post-operation care plans
- doctor’s excuse notes (work/school)
- blank paperwork
- non-medical documents (personal memos, hotel/travel receipts, brochures)
- lab/test results
- monthly payment statements
- pictures of membership ID cards
- procedure results/pictures
- collection letters
- bank/credit card statements
- duplicate bills (We receive roughly 12,500 each year.)
5) Send your maternity prepayment agreement(s) as soon as possible.
Setting up a maternity prepayment agreement for a baby’s birth is ideal because, in most cases, expenses can be shared before the birth.
Waiting until after the birth to send bills often means that some charges from earlier in the pregnancy fall past the 6-month deadline for bill submission (see #1.)
See our online maternity guide for more information.