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As healthcare costs increase, it’s wise to be ready if a medical event occurs. Though Medicare Parts A and B likely will cover the majority of your healthcare costs, it’s not uncommon for senior citizens to find themselves with large dollar amounts of unpaid medical bills.
As CHM members approach retirement age, they can have great comfort in knowing that CHM participation can continue without interruption into the next phase of life.
Members eligible for Medicare—for example, those qualifying for Social Security disability—and members 65 or older must have Medicare Part A and Part B (or a Medicare Advantage Plan) to be considered Medicare-participating members who can receive full sharing eligibility. Members should plan ahead regarding their Medicare start date to avoid gaps in full CHM sharing eligibility. Membership at the Gold level combined with Brother’s Keeper is the best option for members of all ages and offers the highest level of cost support.
CHM members age 65 or older who participate at Gold level are eligible for a CHM SeniorShare™ program gift reduction. This advantage begins the month of the member’s 65th birthday. Each qualifying member's Gold program gift amount becomes $107 per month.
Silver or Bronze members who wish to change to Gold and receive the CHM SeniorShare™ gift reduction should review the Guidelines to see how changing levels impacts medical bill sharing eligibility. CHM requires a 30-day advance notice.