Learn how to submit your medical bills to CHM
Medical bills must be itemized (please note: a receipt is not an itemized bill) and should show any discounts you’ve obtained and payments you’ve made.
As you receive medical bills from your healthcare providers, please take the following steps to submit them to CHM. Medical bills must be itemized. Some medical bills reflect discounts and patient payments. If this information is not included on your bill, you can list the these amounts in your Member Portal medical bill submission.
1. Request itemized medical bills from your provider
When you visit your healthcare provider, let them know that you’ll need itemized medical bills. Itemized bills contain the following:
- Date of service
- Total charges (including any discounts)
- Provider information
- Patient name
- Description of services (or CPT codes)
These itemized medical bills provide CHM staff with the information we need to process your medical bills. If you submit bills or receipts that are not itemized, the process is delayed while we wait for the itemized information.
For members with Medicare only: Please submit your Medicare Summary Notice in lieu of itemized bills. (We also need a copy of the EOB from any health insurance plan you may have). Exception—you will need to submit itemized bills for prescriptions and any bill from non-Medicare participating providers. Please note that, per the CHM Guidelines, CHM can only share for 20% of non-Medicare participating providers.
2. Submit your medical bills through the Member Portal
Using the Member Portal makes our medical bill submission process easier than ever! After you register for the Member Portal, here’s what’s to do:
- Navigate to “My medical bills” on your Member Portal
- Select “New submission”
- Fill out information about your medical care by answering a couple quick questions
- Upload your itemized bills
It’s that easy! Want to make sure CHM received your medical bills? You can verify which documents have been submitted successfully by checking your upload history.
The sharing clock begins when CHM receives your itemized bills and all of the necessary forms. However, all medical bills must be submitted within 6 months of their date of service to be considered for sharing. Bills are processed in the order they are received by our office. The sooner your submission is received, the sooner you can receive reimbursement for your eligible medical expenses
3. Sharing time can take 95-105 days
After you submit your medical bills, our Member Bill Processing department stamps them with the date of receipt, reviews them thoroughly according to the CHM Guidelines, and enters them into our computer database.
The sharing “clock” begins when CHM receives itemized medical bills and all necessary details surrounding your medical event. The Member Portal updates you on where your medical bills are at in the sharing process. When complete, CHM sends you a check to pay your healthcare providers and reimburse you for payments you’ve already made on eligible expenses.
4. Promptly pay your provider(s) when you receive funds from CHM
If you have made any payments to your provider, you may count that amount of the sharing check as reimbursement to yourself. The remaining amount (or the full amount if you didn’t make any payments) should be sent promptly to your provider.
5. Maternity only: call our Maternity Care Team within the first 16 weeks of pregnancy
By calling our Maternity Care Team at (800) 791-6225 within the first 16 weeks of pregnancy, we can:
- Take $500 off your Personal Responsibility
- Connect you to the best care in your area
- Offer prayer, spiritual support, and Christian community
- Guide you on the easy process of submitting medical bills
How you can help streamline sharing time:
When submitting your bills, there are a few things you can do in the process to help us avoid delays in sharing your medical bills. This includes:
- responding to requests for additional info as soon as possible
- using the Member Portal to submit medical bills
- making sure all your bills are itemized
There are a number of items CHM doesn’t need to process your medical bills. 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:
- visit summaries
- 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
