Ready to grow your family?

We want this experience to be full of joy and excitement as you welcome a new life into the world!

Ready to dive into our maternity program? Check out our frequently asked maternity questions, our maternity guide, specific resources for your maternity journey, and more!

Did you know CHM reworked our maternity process for your benefit? You’re not alone in your maternity journey, and we want to help guide you to the best quality care for the best price.

Support for every stage

You are not alone

To better serve our members, CHM partnered with a nurse navigator. Our nurse navigator has supported thousands of women through pregnancy and childbirth, and she wants to help guide and support you through your pregnancy, as well—you’re just a call away.

Download our maternity guide

If you're a member, call us within the first 16 weeks of pregnancy so we can:

  • Take $500 off your Personal Responsibility
  • Connect you to the best care in your area
  • Offer prayer, spiritual support, and Christian community


Important note: For a pregnancy to be eligible for sharing, the mother must have joined the Gold program at least 300 days before their doctor’s estimate of due date

Please call 1-800-791-6225 and select the maternity line to get started.



What’s eligible under the maternity program?

CHM shares eligible medical bills for prenatal care, delivery (including cesarean and multiple births), home births, midwives, postnatal care, and complications that arise for mother and baby.

Important note: For a pregnancy to be eligible for sharing, the mother must have joined the Gold program at least 300 days before their doctor’s estimate of due date

For prenatal care, CHM shares:

  • routine office visits
  • lab tests
  • maternity-related prescriptions and immunizations
  • three ultrasounds

For delivery, CHM shares the costs associated with:

  • facility labor and delivery
  • physician labor and delivery
  • anesthesiology services
  • complications that arise for the mother and baby

Note: CHM shares expenses from either a midwife or a physician, not both. (For an exception, see CHM’s maternity Guidelines.) We cannot share expenses from more than one midwife.

For postnatal care, CHM shares:

  • mother’s postpartum check-ups
  • lactation consultations
  • wellness visits for the baby up to 90 days after delivery
  • circumcision for baby up to 90 days after delivery
  • tongue tie for the baby up to 90 days after delivery

For a list of ineligible maternity expenses, please refer to CHM’s maternity Guidelines.

I found out I’m pregnant—what do I do?

Congratulations! If you haven’t already, call 1-800-791-6225 to speak with our Maternity Support Team within the first 16 weeks of your pregnancy, and we will help you connect with quality maternity providers in your area as well as give you a $500 reduction on your maternity Personal Responsibility.

Once you’ve selected a provider, request a prepayment agreement/global fee. If you’re unsure what to ask for, we’ve prepared a card detailing the information we need that you can hand directly to your provider. Note: If you can’t get a prepayment agreement with all the necessary information from your provider, call our Maternity Support Team for assistance at 1-800-791-6225.

After receiving your prepayment agreement/global fee, log into your Member Portal to fill out our online forms and upload your medical document(s).

What’s a prepayment agreement/global fee?

Your physician or midwife may provide you with a prepayment agreement also known as a “global fee.” The prepayment agreement usually includes:

  • prenatal appointments
  • physician/midwife delivery charges
  • postpartum appointments (for mom)

In order to process your prepayment agreement, it must include:

  • provider information
  • patient name
  • a list of all services included in the fee
  • total fee for services
  • the payment due date or payment plan details

You will need to obtain itemized bills for any medical services performed outside of the global fee. Charges outside of the global fee typically include:

  • lab work
  • ultrasounds
  • additional appointments
  • hospital/ER visits

Note: Some prepayment agreements/global fees include lab work and ultrasounds. Please review your agreement before sending in itemized bills.


Does CHM share for midwives and/or birthing centers?

CHM will share costs for legally practicing midwives and birthing centers.

If you aren’t birthing at a hospital, you’ll need to submit a prepayment agreement from the provider overseeing your care. This prepayment agreement should include prenatal care, delivery of the baby, and postpartum and postnatal expenses following the birth. If there are any additional charges not included in the prepayment agreement, you’ll submit these to CHM as “maternity add-on” bills.

Once you receive the prepayment agreement, immediately upload it to the Member Portal.

Important note: CHM shares for either a midwife or a physician,
not both.

Does CHM reimburse facility/hospital prepayment agreements?

Our Maternity Support Team (MST) wants to help our members receive bundled facility flat rates. Please contact the MST at 1-800-791-6225 for assistance finding flat rates available in your area.

Facility/hospital prepayment agreements (or flat rates) must include:

  • the patient’s name
  • provider or place of service
  • CPT codes or descriptions of services
  • the total charge for each service
  • length of your hospital stay
  • whether newborn charges are included
  • due date of the prepayment agreement

Anesthesiology charges are eligible for sharing, but CHM cannot share these expenses prior to the birth. You’ll need to pay these charges out of pocket if your provider requires payment before delivery. You can upload the estimated bill into the CHM Member Portal prior to delivery, then submit the actual bill after the birth. Following this suggestion will significantly shorten sharing time.

Note: You may receive additional medical bills for your baby’s after-delivery hospital care, such as lab work, hearing tests, pediatrician visits, etc. You can submit the itemized bills as “maternity add-on” bills.

What’s the difference between a prepayment agreement and an estimate?

An estimate is a ballpark figure that's subject to change. A prepayment agreement is an agreed-upon price that stays the same as long as the conditions of the agreement are met.

While prepayment agreements are preferable, if you receive an estimate, please submit it so our team can work with you and your provider to receive additional information. 

If you need assistance obtaining a prepayment agreement, please contact the Maternity Support Team at 1-800-791-6225.

What can I expect after submitting my maternity incident?

Once CHM receives all the necessary paperwork and invoices, we’ll review the bills to make sure they’re properly itemized and eligible according to CHM Guidelines. Once CHM issues your reimbursement check, you’re responsible to promptly pay your healthcare provider.

Documents required for sharing include:

  • your prepayment agreement/global fee
  • Medical Information Release Form (HIPAA-compliant)
  • Maternity Verification Form
  • itemized bills for services not included in your prepayment agreement

Failure to submit the necessary documents can result in sharing delays. We recommend uploading via the Member Portal, as all the necessary forms are fillable directly from the Portal.

Please note: CHM will process your prepayment agreement near the 30th week of pregnancy. We ask that you plan on checks going out around that time.

A prepayment agreement for facility charges must include the length of the hospital stay and whether or not the baby’s facility charges are included.

Is genetic testing eligible for sharing?

Genetic testing may be eligible for sharing if:

  1. It’s non-invasive and required to determine treatment for a current medical condition.
  2. Medical records or healthcare provider notes are provided for verification.

Note: An amniocentesis may be considered for sharing when medical records confirm that the procedure is necessary to determine life-preserving medical care for the baby and/or mother.

Are medical bills for congenital conditions eligible for sharing?

For members whose birth was shared through CHM’s maternity program, CHM shares up to $125,000 for medical bills related to their congenital condition if the following conditions are met:

  1. For a dependent child, the child’s mother must be a CHM Gold member with an account in good standing and must remain a Gold member until $125,000 is shared.
  2. The individual who incurred the bills has continuously been a CHM Gold member (no interruptions in membership) since birth or adoption.

Note: Babies with a congenital birth defect must transition immediately from their mother’s membership unit to their own unit.

For more information, please reference the CHM Guidelines.

Do I need Brother's Keeper?

Brother’s Keeper is your safeguard against catastrophic illness or injury. Brother’s Keeper is a budget-friendly, biblically based program enabling CHM members to meet medical bills that exceed the $125,000 limit per illness specified in the CHM Guidelines.

For Gold level members, signing up for Brother’s Keeper provides unlimited cost support per eligible pregnancy.

Note: Members must be enrolled in Brother’s Keeper prior to conception for sharing of bills over $125,000. Congenital conditions and birth defects are not eligible for Brother’s Keeper sharing.

If you are already a CHM member and want to join Brother’s Keeper, please call our Member Services department at 1-800-791-6225.

How does CHM spiritually support members?

We believe supporting each other spiritually is as important as the financial support members receive. Our Maternity Support Team will pray for you, provide you with spiritual resources, and encourage you to participate in a community with each other.

Through the Prayers Unceasing program included in your Monthly Gift Form, members have the opportunity to reach out to each other through prayer, cards, and notes of encouragement. By visiting us every Wednesday on social media, you can join members across the country in praying for one another.

CHM staff also pray daily for members, especially those who have submitted prayer requests by mail, email, or phone. Staff members are dedicated prayer warriors available to pray with you over the phone at your request.

Speak to our nurse navigator

Call 1-800-791-6225
Connect with your fellow members?

Join our maternity group
Looking for uplifting Scripture?

Maternity devotionals
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