There are three participation levels from which CHM members may choose:

Gold = $150.00 per unit, per month

            • $500 personal responsibility per unit, per calendar year*
            • Inpatient or outpatient hospital incidents or surgery
            • Doctor’s office visits 45 days before and after medical testing
            • Prescriptions 45 days before and after medical testing
            • Physical therapy and home health care (up to 45 visits)

            *Total bills incurred per incident must exceed $500.

Silver = $85.00 per unit, per month

            • $1,000 personal responsibility per incident
            • Inpatient or outpatient hospital incidents or surgery

Bronze = $45.00 per unit, per month

            • $5,000 personal responsibility per incident
            • Inpatient or outpatient hospital incidents or surgery

*Due to the large increase in the cost of medical care and in order to keep bill sharing time to a minimum, CHM gift amounts increased for the first time in eight years on January 1, 2008. The change affects all current and future CHM members.

Understanding units

(See CHM Guideline B for a detailed explanation of units.)

            One unit = One qualifying individual (See How it works / how to join)
            Two units = Any two qualifying immediate family members
            Three units = Three or more qualifying immediate family members (No family’s monthly financial gift exceeds three units, regardless of the number of immediate family members.)

Counting the cost: How CHM compares with traditional health insurance

For more information, we recommend reading the 2008 Employer Health Benefits Summary of Findings put forth by The Kaiser Family Foundation and Health Research & Educational Trust.

Source: 2008 Annual Employer Health Benefits Survey, Kaiser Family Foundation and Health Research and Educational Trust.

* On Jan. 1, 2008, CHM raised monthly gift amounts for the first time in eight years. Insurance premium prices rose 6 to 14 percent annually during the same time period.

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