Scenarios - Christian Healthcare Ministries

Step

Click a scenario to explore the cost sharing process

How cost sharing works

Sports Injury

This scenario provides a common example of how CHM satisfies eligible medical bills for illnesses and incidents.

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Cancer

This scenario provides a common example of how CHM satisfies eligible medical bills from cancer.

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Maternity

This scenario provides a common example of how CHM satisfies eligible medical bills through its maternity program.

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Sports Injury

Cancer

Maternity

Cost Breakdown

Emergency room$8,000

Surgery$15,000

Inpatient care$30,000

Follow-up care$8,500

Estimated Total Costs$61,500

Hospital care$550,000

Laboratory$150,000

Imaging$40,000

Chemotherapy/radiation$600,000

Estimated Total Costs$1,340,000

Prenatal care (global fee)$3,000

Hospital costs (flat rate)$6,000

Postpartum care$1,000

Well-childcare (up to 6 weeks)$500

Estimated Total Costs$10,500

Back

Our simple sharing process

1.
Choose a Healthcare Provider
You have the freedom to choose quality care and receive self-pay discounts from healthcare providers.
$61,500
2.
Submit Medical Bills
Answer a few simple questions, upload medical bills, and note any discounts you’ve received. It takes just minutes!
$30,750
Example includes 50% in self-pay discounts.
3.
Receive Reimbursement Funds
Your CHM family takes care of your eligible medical bills, minus any discounts you received.
$29,750
This amount reflects what’s remaining after discounts and your Personal Responsibility.

What You Owe (With CHM Gold+)

Your Personal Responsibility is the amount you are required to pay each year when a medical incident occurs.

$1,000

vs. health insurance

*$2,000

* The estimated costs and satisfied bills are based on the assumption that your annual Personal Responsibility has been fulfilled and all remaining expenses have been verified as eligible by CHM.
* Source: Average cost of various insurance plans from Healthcare.gov.

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1.
Choose a Healthcare Provider
You have the freedom to choose quality care and receive self-pay discounts from healthcare providers.
$1,340,000
2.
Submit Medical Bills
Answer a few simple questions, upload medical bills, and note any discounts you’ve received. It takes just minutes!
$670,000
Example includes 50% in self-pay discounts.
3.
Receive Reimbursement Funds
Your CHM family takes care of your eligible medical bills, minus any discounts you received.
$669,000
This amount reflects what’s remaining after discounts and your Personal Responsibility.

What You Owe (With CHM Gold+)

Your Personal Responsibility is the amount you are required to pay each year when a medical incident occurs.

$1,000

vs. health insurance

*$2,000

Explore Programs

1.
Choose a Healthcare Provider
You have the freedom to choose quality care and receive self-pay discounts from healthcare providers.
$10,500
2.
Submit Medical Bills
Answer a few simple questions, upload medical bills, and note any discounts you’ve received. It takes just minutes!
$5,250
Example includes 50% in self-pay discounts
3.
Receive Reimbursement Funds
Your CHM family takes care of your eligible medical bills, minus any discounts you received.
$4,250
This amount reflects what’s remaining after discounts and your Personal Responsibility.

What You Owe (With CHM Gold+)

Members can receive a $500 reduction to their $1,500 maternity Personal Responsibility by calling CHM within the first 16 weeks of their pregnancy.

$1,000

vs. health insurance

*$2,000

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