Hi, Robert! Thank you so much for sharing this information – I had no idea they updated the guidelines for that! What a relief! That makes them even better in my eyes 🙂

CHM does not share bills incurred for medical transport unless a physician determines (as verified by medical records) that medical transport was:
a. necessary to preserve the member’s life, limb or eyesight, and
b. the transport was either from the site of the emergency to the closest medical facility, or between medical facilities because the sending facility lacked the capability of providing the appropriate level of care.

https://www.chministries.org/media/5189/chmguidelines.pdf

So it sounds like they cover transportation if it’s for a true emergency AND it’s to the nearest hospital with the necessary facilities.

Also, you mentioned mammograms and colonoscopies not being covered. The guidelines don’t mention mammograms, but they do say that colonoscopy bills are typically shared.

Thanks for sharing your experiences with CHM!

I had no issues at all! I would call them up though and explain your situation. Since it’s been four years and you haven’t had issues, I don’t think it would fall in their pre-existing conditions clause.

Of course! I think it’s an especially great thing for people who are self-employed; the costs are astronomical for little to no coverage unless something really expensive happens. I have heard good thing about Medi-Share – I think it’s one of the more well-known companies 🙂

I think they actually changed that! I was just reading their documentation, and it says that you need to be a member 300 days before your due date. A normal pregnancy is about 280 days, so that would be 20 days before you got pregnant 🙂

And I love that it doesn’t matter how many kids you have! That’s how regular insurance used to be. I sure wish they covered well-child visits though, too! That’s why I initially went with Liberty 🙂

Another point is on the memberships with CHM, all children are considered a single unit. So if you have 1 kid, that unit is $150. If you have 5 kids, that unit is still $150.

Overall though, we’ve had CHM (Gold) for 2 years and love them. Although I would love them a lot more if they covered well child visits. 😉

Hi, Tanya!

Thanks so much for your comment. I’m so glad that you’ve found this helpful.

We have been using CHM now for a little while, and I do like them. We haven’t had to have any claims (thankfully), but they’ve been quick to respond to all my questions and queries. I like that I get a newsletter each month, and I also get to see who our monthly contribution is helping. I have no doubt that if we were to have a claim that it would be covered. I wish I could give you more insight on the claims process, but I have felt at peace with our decision to go with CHM.

Tanya