Christian Healthcare Ministries (CHM) and Pre-Existing Conditions

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What is Considered a Pre-Existing Condition?

Christian Healthcare Ministries (CHM) defines a pre-existing condition as any medical condition for which you experience signs, symptoms, testing or treatment before joining Christian Healthcare Ministries (CHM). Routine or maintenance medications are considered treatment.

For example, if you have a stent that was inserted for a heart condition, the stent is considered treatment and your heart condition is pre-existing.

A condition is no longer considered pre-existing if you have experienced one year without signs, symptoms, or treatment (including no maintenance medication) for that condition and it is documented by your official medical records. In contrast, cancer is no longer pre-existing if, after your doctor has pronounced you cancer-free or cured, you have gone five years without any signs, symptoms, testing or treatment.

Christian Healthcare Ministries (CHM) Limitations for Pre-Existing Conditions

CHM has two programs for pre-existing conditions and one of them, the Gold schedule, is only for Gold members. Bills incurred for a [non-active] pre-existing condition are eligible as follows:

In the first year of CHM membership, up to $15,000 can be shared.
In the second year an additional $10,000 can be shared.
In the third year, another $25,000 can be shared, bringing the three-year total to $50,000.
After the third year, the condition is no longer considered pre-existing.

Source: CHM Guidelines