Hi, Kelsey! Thanks so much for taking the time to comment. I’m so glad that this was helpful to you. And I agree – I think a lot of people just don’t understand how it works. I see so many people saying it’s a scam or they don’t pay bills…when in reality, it’s because they didn’t take the time to read about it! Have a wonderful day 🙂

Katie. THANK you for this post. It is thorough, clear, and SO helpful! I’m so glad it worked for you!!!! I have the gold plan & brothers keeper. It gives me peace of mind having it, we just haven’t had to use it yet. I had a little health scare that almost meant us going to the hospital
And I got nervous about using CHC. This is what led me to your blog so I at least had some clarity on the process it’s been for others. Thank you so much for taking the time to write and share your story! I wish more people looked into the guidelines and understood how it works bc I truly do think CHC is so great, but it gets thrown under the bus bc people think it works just like insurance and they bash it when they go to use it not understanding how it fully works. I hope y’all are doing and feel well! Thanks again!

On the morning of March 15th, I had some tree trimmers working in my yard, trimming some branches off of a tree. I walked out in my yard to see how it was going, but thought I was far enough away to be safe, about 40 feet from the tree. Unfortunately, I was almost instantly hit on the back of my head by a falling branch, as I was still walking away from the tree, ending up with an ambulance trip to the hospital and an ER visit. I guess I will have the opportunity to find out early on how this coverage works, as soon as I get my itemized bills. I should still be covered by my Obamacare insurance, as it wasn’t due to end until March 31, so the CHM bills shouldn’t be nearly as much as they would have been otherwise, but it will be interesting to see how it works.

Thank you!

Hi! I just tried to be as detailed as possible – what caused me to seek out surgery, when the symptoms started, etc. I just tried to provide any details possible that I thought they might have questions about. They didn’t ask any questions, so I think I did a good job explaining (I probably overexplained!)

Hi, Lora:

No, it didn’t. We explained in detail his history – he had passed his hearing tests for quite some time, and it wasn’t until later on in life that it seemed his hearing was being impacted, which was after we had signed up for him. I would imagine it will be different depending on the situation – if your son has had issues from birth, it likely will fall under the pre-existing condition clause, though with that, you may still get help depending on the situation (or they may require you go the prayer route). I would say it’s worth talking to them about.

Thanks for commenting! I’m so glad that you found this helpful – it’s so easy to feel a little skeptical! But it really has been a wonderful thing for our family. I’m glad it’s something that works well for you, too! Have a great day 🙂