{"id":1535,"date":"2023-07-01T16:49:50","date_gmt":"2023-07-01T16:49:50","guid":{"rendered":"https:\/\/chministries.org\/?p=1535"},"modified":"2025-07-14T15:48:54","modified_gmt":"2025-07-14T19:48:54","slug":"what-to-do-when-you-need-medical-care","status":"publish","type":"post","link":"https:\/\/chministries.org\/blog\/what-to-do-when-you-need-medical-care\/","title":{"rendered":"What to do when you need medical care"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">In emergency situations<\/h2>\n\n\n\n<p><em><strong>Immediately seek medical care.<\/strong>&nbsp;<\/em>Getting well is your first priority. When your condition is stable, you, a friend or a family member responsible for your care can follow the steps under \u201cGeneral information\u201d below.<\/p>\n\n\n\n<p>If your condition is not critical but requires immediate care, consider if an urgent care center will meet your needs (emergency rooms are usually more expensive than urgent care centers\u2014and it can take longer for you to be seen). <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">In non-emergency situations<\/h2>\n\n\n\n<p><strong>1. Get connected to CHM Care Solutions.<\/strong> With a collection of specialized care components to support your body, mind, and spirit, we\u2019re here to help you feel your best. Our solutions address specific types of medical needs, such as maternity, surgery and cancer. For example, if it&#8217;s a general health issue, try using your access to<strong> <a href=\"https:\/\/info.chministries.org\/vcs-benefits\">CHM&#8217;s Virtual Care Solution (VCS)<\/a>.&nbsp;<\/strong>With&nbsp;VCS, you can conveniently talk to a board-certified doctors&nbsp;via video. The best part is that virtual visits are included as part of your membership!&nbsp;Commonly addressed medical conditions include respiratory infections, cold and flu symptoms, allergies, skin irritations, pink eye, and much more.&nbsp;<\/p>\n\n\n\n<p><strong>2. <strong>Consider shopping around for healthcare providers in your area.<\/strong>\u00a0<\/strong>Many healthcare providers reduce their charges for self-pay patients. Though as a CHM member, you may go to any hospital or doctor\u2019s office, selective \u201cshopping\u201d helps lower the cost of your medical care because you often can receive the same service at a lower price. The only note when choosing a provider is to make sure the care they provide falls under the CHM Guidelines.<\/p>\n\n\n\n<p><strong>&nbsp;3. Follow the steps under \u201cGeneral information\u201d below.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">General information<\/h2>\n\n\n\n<p>Be sure to also visit our&nbsp;<a href=\"https:\/\/chministries.org\/interacting-with-providers\/\">provider interaction<\/a>&nbsp;page.<\/p>\n\n\n\n<p><strong>1. CHM is not insurance, so inform your healthcare provider(s) that you\u2019re a self-pay, uninsured patient. Tell your providers you would like to be billed directly with\u00a0itemized\u00a0medical bills.\u00a0<\/strong><br><strong><br><\/strong>An\u00a0itemized\u00a0bill contains:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The patient\u2019s name;<\/li>\n\n\n\n<li>The date of service;<\/li>\n\n\n\n<li>The place of service;<\/li>\n\n\n\n<li>The procedural (CPT) codes (or description of services rendered);<\/li>\n\n\n\n<li>An&nbsp;itemized&nbsp;list of charges.<\/li>\n<\/ul>\n\n\n\n<p>Your CHM card is not an insurance card. However, if your provider has a prearranged discount with CHM (see the \u201cCHM friendly-providers\u201d lookup tool on your\u00a0<a href=\"https:\/\/member-portal.chministries.org\/resources\/\">Member Portal<\/a>), show your card to your provider to identify yourself as a CHM member to take advantage of the discounts.<\/p>\n\n\n\n<p><strong>2. Ask for a discount (bill reduction).<\/strong>\u00a0Build a relationship with your provider(s). Asking for a self-pay or uninsured discount is asking for the same consideration that insured patients receive (due to discounted rates negotiated by their insurers). Many providers will extend a discount to patients requesting a reduced rate because it usually means they receive faster payment and experience less hassle and paperwork.<\/p>\n\n\n\n<p><strong>3. Prior to paying bills totaling $1,000 or more from an individual healthcare provider, please contact our Member Advocate team by calling 800-791-6225 when the following circumstances apply:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re unable to obtain a self-pay discount<\/li>\n\n\n\n<li>You obtain a discount, but the provider requires payment upfront or has a deadline for payment<\/li>\n<\/ul>\n\n\n\n<p><strong>4. Apply for any financial assistance available.<\/strong>\u00a0Most hospitals are required to provide certain types of medical care for free or at a reduced cost. As self-pay, uninsured patients, CHM members may qualify for financial assistance programs that are offered by the hospital. Likewise, state and federal governments also allocate money toward healthcare for individuals whose incomes fall within a defined economic level.<\/p>\n\n\n\n<p><strong>5. Set up a payment plan with your providers.<\/strong>\u00a0Work with your provider to set up a monthly payment plan until your eligible medical costs have been processed and reimbursed in accordance with the CHM Guidelines.<\/p>\n\n\n\n<p><strong>6. When you receive your&nbsp;itemized&nbsp;bills, send copies of each bill to Christian Healthcare Ministries, along with the completed&nbsp;Sharing Request Packet via the <a href=\"https:\/\/portal.chministries.org\/Account\/Login\" target=\"_blank\" rel=\"noreferrer noopener\">Member Portal.<\/a><\/strong>&nbsp;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. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Choosing a Healthcare Provider\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/O6mqPbG09fE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Choosing a healthcare provider<\/h3>\n\n\n\n<p>While there&#8217;s a huge advantage to choosing your own provider, there are also many options. Sometimes it can be overwhelming to find the right one for you. CHM\u2019s Medical Director, Dr. Jacobson, offers tips for finding the right provider.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Medical Decisions Are Between You &amp; Your Doctor\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/lLAfrzdVKzg?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Your treatment is a shared decision<\/h3>\n\n\n\n<p>Another advantage of CHM is that your treatment decisions are between you and your doctor. Dr. Jacobson discusses the importance of shared decision-making in a medical situation and how to view your role and your provider\u2019s role in the process.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In emergency situations Immediately seek medical care.&nbsp;Getting well is your first priority. When &hellip;<\/p>\n","protected":false},"author":22,"featured_media":2034,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[16],"class_list":{"0":"post-1535","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-uncategorized","8":"tag-members","9":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>What to do when you need medical care - Christian Healthcare Ministries<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/chministries.org\/blog\/what-to-do-when-you-need-medical-care\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"What to do when you need medical care - Christian Healthcare Ministries\" \/>\r\n<meta property=\"og:description\" content=\"In emergency situations Immediately seek medical care.&nbsp;Getting well is your first priority. 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