- How it works
- Member resources
- Media resources
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 a CHM member, you can be confident that the ministry will share the remaining amount of your eligible bills according to the ministry’s Guidelines.
If you’re Medicare-eligible (for example, qualifying for Social Security disability or are 65 or older), you must have Medicare parts A and B to become and remain CHM members with full sharing eligibility.
Medicare-eligible CHM members can participate in one of the ministry’s cost-sharing programs (Gold, Silver, or Bronze). 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.
Whichever program you choose, Christian Healthcare Ministries is always secondary to other payment sources, which means financial provision through Medicare must be exhausted before CHM members can share your outstanding balance.
Out-of-pocket expenses: The amount Medicare pays for any eligible medical incident applies toward your personal responsibility amount (Silver: $2,500 per incident; Bronze: $5,000 per incident).
Gold level membership includes inpatient or outpatient hospital incidents and surgery; medical testing; physical therapy and home healthcare (up to 45 visits each type); incident-related doctor’s office visits; and incident-related prescriptions.
Silver and Bronze, though good programs, can only share inpatient or outpatient hospital incidents and surgery performed at facilities that meet accepted standards of medical care (urgent care facilities excluded). Testing and treatment outside a hospital do not qualify for sharing. The Personal Responsibility amounts for Silver and Bronze are $2,500 and $5,000 per incident, respectively.