Interacting with your healthcare providers
CHM has worked with more than 100,000 healthcare providers nationwide. However, it’s important you understand that as a CHM member your healthcare will be handled by you, the patient. This means that healthcare providers should bill you directly, after which you can submit your bills to CHM. Also, you have the flexibility of choosing any healthcare provider you wish; CHM does not have a provider network. To see a list of providers that other CHM members have recommended, click here.

  • 5.
    Ask your provider to bill you directly

    The bill should be itemized and should show any discounts or financial assistance you have received (and, ideally, any payments you have made). Tell the provider that the sooner you receive the bill, the sooner it can be shared by CHM.




  • 6.
    If necessary, set up a payment plan with your providers

    Even a small monthly amount will assure most providers that the bill(s) will be paid. CHM will then reimburse your eligible expenses.




  • 7.
    Promptly pay your provider(s) when you receive funds from CHM

    Treat as reimbursement from CHM any portion of the funds you have already paid to your provider(s).


  • 8.
    Maternity only: At your first pre-natal checkup, ask for a prepayment agreement

    Sometimes called a “Stork Package” or “global fee,” these rates often include all pre-natal and delivery charges at a reduced price. As soon as you have it, submit the agreement to the CHM office and submit any additional bills as “add-ons” to the original amount. Likewise, you can ask for a prepayment agreement from your hospital (be aware that hospital agreements don’t always include room and board charges). In most cases, submitting an agreement in a timely manner allows CHM to share your maternity bills by the time the baby is born. See our maternity page for more info, including a detailed maternity guide.