Learn more about Brother’s Keeper.
Learn more about Brother’s Keeper.
Important change beginning April 1: CHM’s monthly gift amounts for all members are:
Some limitations apply concerning pre-existing conditions for all programs.
For Maryland residents only: Learn additional information regarding CHM membership for Maryland residents here.
Gold | Silver | Bronze | |
---|---|---|---|
Personal Responsibility | No Personal Responsibility for medical incidents exceeding $500; please see description and example above | $1,000 per medical incident | $5,000 per medical incident |
Sharing limit | $125,000 per illness | $125,000 per illness | $125,000 per illness |
Sharing limit w/Brother’s Keeper (more information) | Unlimited per illness | An additional $100,000 per illness, per year; up to $1 million | An additional $100,000 per illness, per year; up to $1 million |
Hospitalization (inpatient/outpatient) | Included | Included | Included |
Surgery (Performed at a facility that meets accepted standards of care) | Included | Included | Included |
Doctor’s office visits | Incident-related | Not included | Not included |
Prescriptions (more information) | Incident-related | Not included | Not included |
Physical therapy/home healthcare | Up to 45 visits per each type | Not included | Not included |
Maternity (more information) | Up to $125,000 per pregnancy or unlimited w/Brother’s Keeper | Only hospital treatment (up to $125,000 per pregnancy) or up to $2,500 for midwife services per pregnancy | Only hospital treatment (up to $125,000 per pregnancy) is eligible for sharing |
Alternative care | Not included | Not included | Not included |
You receive treatment early in the year for a gallbladder problem. Your bills total $7,500 and you receive $2,500 in healthcare provider discounts. CHM shares $5,000 ($7,500-$2,500), which is 100 percent of the cost after discounts. In the middle of the same year you have some blood tests done (for an unrelated illness) that cost $400. CHM does not share any of these bills because the total cost of the incident is less than $500. At the end of the year, you break your arm and the treatment amounts to $2,500. CHM shares the entire amount of $2,500 because the incident totals more than $500 and the treatment meets all other CHM Guidelines.
Brother’s Keeper is your safeguard against catastrophic illness or injury. Brother’s Keeper is a low-cost, Bible-inspired program enabling CHM members to meet medical bills that exceed the $125,000 limit per illness specified in the CHM Guidelines.
Christian Healthcare Ministries (CHM) has hundreds of participating groups—all of which are Christian organizations with an all-Christian staff. Furthermore, all group members meet other CHM membership requirements.