{"id":1746,"date":"2023-07-11T19:41:31","date_gmt":"2023-07-11T19:41:31","guid":{"rendered":"https:\/\/chministries.org\/?page_id=1746"},"modified":"2024-10-14T22:20:24","modified_gmt":"2024-10-15T03:20:24","slug":"scenarios","status":"publish","type":"page","link":"https:\/\/chministries.org\/how-it-works\/scenarios\/","title":{"rendered":"Scenarios"},"content":{"rendered":"\n
\n
\r\n\r\n
Step <\/div>
<\/div><\/div>

Click a scenario to explore the cost sharing process<\/h2>

How cost sharing works<\/h2>

How cost sharing works<\/h2><\/div>
\"\"
Sports Injury<\/div>
This scenario provides a common example of how CHM satisfies eligible medical bills for illnesses and incidents.<\/div>
Explore Scenario<\/div><\/div>
\"\"
Cancer<\/div>
This scenario provides a common example of how CHM satisfies eligible medical bills from cancer.<\/div>
Explore Scenario<\/div><\/div>
\"\"
Maternity<\/div>
This scenario provides a common example of how CHM satisfies eligible medical bills through its maternity program.<\/div>
Explore Scenario<\/div><\/div><\/div>
\"\"<\/div>
\"\"<\/div>
\"\"<\/div><\/div>
Sports Injury <\/i><\/div><\/div>
Cancer <\/i><\/div><\/div>
Maternity <\/i><\/div><\/div><\/div><\/div>
Cost Breakdown<\/div>
Emergency room<\/span>$8,000<\/span><\/div>
Surgery<\/span>$15,000<\/span><\/div>
Inpatient care<\/span>$30,000<\/span><\/div>
Follow-up care<\/span>$8,500<\/span><\/div>
Estimated Total Costs<\/span>$61,500<\/span><\/div><\/div>
Hospital care<\/span>$550,000<\/span><\/div>
Laboratory<\/span>$150,000<\/span><\/div>
Imaging<\/span>$40,000<\/span><\/div>
Chemotherapy\/radiation<\/span>$600,000<\/span><\/div>
Estimated Total Costs<\/span>$1,340,000<\/span><\/div><\/div>
Prenatal care (global fee)<\/span>$3,000<\/span><\/div>
Hospital costs (flat rate)<\/span>$6,000<\/span><\/div>
Postpartum care<\/span>$1,000<\/span><\/div>
Well-childcare (up to 6 weeks)<\/span>$500<\/span><\/div>
Estimated Total Costs<\/span>$10,500<\/span><\/div><\/div>
Next<\/div><\/div>
<\/i> Back<\/div><\/div>
Our simple sharing process<\/div>
  1. 1.<\/div>
    Choose a Healthcare Provider<\/div>
    You have the freedom to choose quality care and receive self-pay discounts from healthcare providers.<\/div><\/div>
    $61,500<\/div><\/li>
  2. 2.<\/div>
    Submit Medical Bills<\/div>
    Answer a few simple questions, upload medical bills, and note any discounts you\u2019ve received. It takes just minutes!<\/div><\/div>
    $30,750
    Example includes 50% in self-pay discounts.<\/em><\/small><\/div><\/li>
  3. 3.<\/div>
    Receive Reimbursement Funds<\/div>
    Your CHM family takes care of your eligible medical bills, minus any discounts you received.<\/div><\/div>
    $29,500
    This amount reflects what\u2019s remaining after discounts and your Personal Responsibility<\/a>.<\/em><\/small><\/div><\/li><\/ol>
    What You Owe (With CHM Gold+)<\/small><\/div>

    Your Personal Responsibility<\/a> is the amount you are required to pay each year when a medical incident occurs.<\/p><\/div>

    $1,250<\/div><\/div>
    vs. health insurance<\/div>
    *$2,000<\/div><\/div><\/div>

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

    Explore Programs<\/a><\/div><\/div>
    1. 1.<\/div>
      Choose a Healthcare Provider<\/div>
      You have the freedom to choose quality care and receive self-pay discounts from healthcare providers.<\/div><\/div>
      $1,340,000<\/div><\/li>
    2. 2.<\/div>
      Submit Medical Bills<\/div>
      Answer a few simple questions, upload medical bills, and note any discounts you\u2019ve received. It takes just minutes!<\/div><\/div>
      $670,000
      Example includes 50% in self-pay discounts.<\/em><\/small><\/div><\/li>
    3. 3.<\/div>
      Receive Reimbursement Funds<\/div>
      Your CHM family takes care of your eligible medical bills, minus any discounts you received.<\/div><\/div>
      $668,750
      This amount reflects what\u2019s remaining after discounts and your Personal Responsibility<\/a>.<\/em><\/small><\/div><\/li><\/ol>
      What You Owe (With CHM Gold+)<\/small><\/div>

      Your Personal Responsibility<\/a> is the amount you are required to pay each year when a medical incident occurs.<\/p><\/div>

      $1,250<\/div><\/div>
      vs. health insurance<\/div>
      *$2,000<\/div><\/div><\/div>

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

      Explore Programs<\/a><\/div><\/div>
      1. 1.<\/div>
        Choose a Healthcare Provider<\/div>
        You have the freedom to choose quality care and receive self-pay discounts from healthcare providers.<\/div><\/div>
        $10,500<\/div><\/li>
      2. 2.<\/div>
        Submit Medical Bills<\/div>
        Answer a few simple questions, upload medical bills, and note any discounts you\u2019ve received. It takes just minutes!<\/div><\/div>
        $5,250
        Example includes 50% in self-pay discounts<\/em><\/small><\/div><\/li>
      3. 3.<\/div>
        Receive Reimbursement Funds<\/div>
        Your CHM family takes care of your eligible medical bills, minus any discounts you received.<\/div><\/div>
        $2,750
        This amount reflects what\u2019s remaining after discounts and your Personal Responsibility<\/a>.<\/em><\/small><\/div><\/li><\/ol>
        What You Owe (With CHM Gold+)<\/small><\/div>

        Members can receive a $500 reduction to their $2,500 maternity Personal Responsibility by calling CHM within the first 16 weeks of their pregnancy.<\/em><\/p><\/p><\/div>

        $2,500<\/div><\/div>
        vs. health insurance<\/div>
        *$3,575<\/div><\/div><\/div>

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

        Explore Programs<\/a><\/div><\/div><\/div><\/div>\r\n<\/section>\r\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":{"0":"post-1746","1":"page","2":"type-page","3":"status-publish","4":"format-standard","6":"entry"},"acf":[],"yoast_head":"\r\nScenarios - Christian Healthcare Ministries<\/title>\r\n<meta name=\"description\" content=\"Learn about health cost sharing with CHM's How it Works tool. 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