CHM Gold Plan for Maternity: Faith-Based Healthcare Coverage for Home Births, Midwives, and More
There’s a lot to consider when navigating the journey of pregnancy and childbirth and having the right support system is crucial. For Christian families seeking a faith-aligned, cost-effective alternative to traditional health insurance, Christian Healthcare Ministries (CHM) offers a compelling solution.
Understanding CHM and the Gold Plan
Christian Healthcare Ministries is a nonprofit health cost-sharing ministry that enables members to share medical expenses within a community of believers. Among its offerings, the CHM Gold Plan stands out, especially for expectant mothers.
Key Features of the CHM Gold Plan:
Monthly Contribution: $255 per unit (individual). Families pay for no more than three units, regardless of size.
Maternity Personal Responsibility: $2,500 per pregnancy, which can be reduced to $2,000 by contacting CHM within the first 16 weeks of pregnancy.
Coverage Limit: Up to $125,000 per pregnancy. This limit can be lifted with the optional CHM Plus add-on for an additional $32 per month, providing unlimited sharing per eligible illness.
Comprehensive Maternity Coverage
The CHM Gold Plan offers extensive support throughout the maternity journey:
Prenatal Care:
Routine office visits
Physical therapy sessions
Lab tests
Maternity-related prescriptions and immunizations
Up to three ultrasounds
Delivery Options:
Hospital births
Birth center deliveries
Home births, including services of licensed midwives (note: CHM shares for either a midwife or a physician, not both)
Anesthesiology services
Eligible complications for both mother and baby
Postnatal Support:
Postnatal care for the mother up to 90 days after delivery
Wellness visits for the baby up to 90 days after birth
Procedures such as tongue-tie correction and circumcision
Physical therapy sessions, up to 45 visits per injury or sickness
Lactation support from International Board Certified Lactation Consultants (IBCLCs)
Enrollment and Eligibility
To benefit from CHM's maternity sharing:
Membership Duration: You must be a CHM Gold member for at least 300 days before your estimated due date.
Pre-Existing Conditions: Expenses related to pregnancies conceived before joining CHM are not eligible for sharing.
Spiritual Commitment: Members are expected to live by biblical principles, including regular church attendance and adherence to CHM's Statements of Beliefs.
Additional Support Services
CHM goes beyond financial assistance by offering:
Maternity Care Team: Dedicated staff providing spiritual support, prayer, and guidance throughout your pregnancy.
Nurse Navigator: Access to a nurse who can help you navigate your maternity care options and answer health-related questions.
Community Engagement: Opportunities to connect with other CHM members through prayer walls and support groups.
Conclusion
For Christian families seeking a supportive, faith-based approach to maternity care, the CHM Gold Plan offers comprehensive coverage and a community that shares both medical costs and spiritual encouragement. With its extensive benefits and additional support services, CHM stands as a valuable resource for expectant mothers.
For more information or to enroll, visit chministries.org.
Note: This blog post is for informational purposes only and does not constitute medical or legal advice. Always consult with a healthcare provider for medical decisions.
Helpful Resources
Enroll with CHM using this link and get a 50% welcome credit: More info here
Stay Tuned…
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