프로그램 (Program)

골드 플랜  (월 $150/유닛)

골드플랜은 세가지 플랜중 가장 훌륭한 재정적 지원을 합니다.

개인부담액유닛당 연 $500 입니다. 질병 케이스마다 총 의료비가 $500 이상인 경우들을 지원합니다. ($500 에  미달하는 케이스에 대해선 횟수에 관계없이 모두 개인부담입니다). 할인을 받는 액수만큼 개인부담액으로 인정됩니다. 질병당 최고 $125,000 까지 지원받을 수 있습니다.

예: 담낭문제로 연초에 치료를 받았고 청구된 총 의료비가 $7,500 입니다.  개인부담액을 제외한 나머지 액수($7,000)를 CHM 에서 지원합니다. 같은 해에 피검사 (위 질병과 상관이 없는) 비용 $400 이 발생했습니다.  CHM 에서는 이 $400 을 지원하지 않습니다.  $500 이 넘지  않았기 때문입니다.  같은 해 연말에 팔이 부러져서 $2,500 치료비가 나왔습니다.  CHM 은 이 $2,500 전액를 지원합니다.  연초에 이미 $500 개인부담금을 지불했기 때문입니다.

골드와 브라더스 키퍼

만약 골드레벨로 가입하고 브라더스 키퍼를 추가한다면, CHM 기준에 부합한 의료비에 대해서 매 질병 케이스마다 개인부담금을 제외한 무제한의 지원이 주어집니다.

 

가입하시려면 =>  온라인 가입하기 를 클릭하세요.

 

실버 플랜 (월 $85/유닛)

실버플랜에는 질병 케이스당 $1,000 의 개인부담액이 있습니다. 다시 말해 질병 케이스당 $1,000 을 먼저 지불해야 (또는 의료비 중 $1,000 이상의 할인을 받든지) 나머지를  CHM 에서 지원합니다. 한 질병당 최고 $125,000 까지 지원합니다. [실버플랜은 입원비, 수술비에 한합니다.]

실버와 브라더스 키퍼

실버에 브라더스 키퍼를 함께 가입하면, 최고 지원액이 $100,000  추가됩니다. 또한 매년 브라더스 키퍼를 갱신할 때마다 추가 지원액이  $100,000 씩 늘어나 최고 $1,000,000 까지 그 지원액이 가능합니다.

 

브론즈 플랜 (월 $45/유닛)

브론즈플랜에는 질병 케이스당 $5,000의 개인부담액이 있습니다. 다시 말해 질병 케이스당 $5,000 을 먼저 지불해야 (또는 의료비중 $5,000 이상의 할인을 받든지) 나머지를  CHM 에서 지원합니다. 한 질병당 최고 $125,000 까지 지원합니다. [브론즈플랜은 입원비, 수술비에 한합니다.]

브론즈와 브라더스 키퍼

브론즈에 브라더스 키퍼를 함께 가입하면, 최고 지원액이 $100,000  추가됩니다. 또한 매년 브라더스 키퍼를 갱신할 때마다 추가 지원액이  $100,000 씩 늘어나 최고 $1,000,000 까지 그 지원액이 가능합니다.

 

 

                                               프로그램 비교 (Program Comparison)

 

 

 골드 (Gold)

 실버 (Silver)

 브론즈 (Bronze)   

개인부담액

(Personal responsibility)

연간 유닛당 $500

(질병 케이스당 $500 이 넘어야 함)

($500 per unit, per year (bills per incident must exceed $500; please see example above))

질병 케이스당 $1,000

($1,000 per medical incident)

질병 케이스당 $5,000

($5,000 per medical incident)

최고지원액

(Sharing limit)

질병당 $125,000

($125,000 per illness)

질병당 $125,000

($125,000 per illness)

질병당 $125,000

($125,000 per illness)

브라더스키퍼포함 최고지원액

(Sharing limit w/Brother’s Keeper)

질병당 무제한까지

(Unlimited per illness)

질병당 매년 10만불 추가,

최고 백만불

(An additional $100,000 per illness, per year; up to $1 million)

질병당 매년 10만불 추가,

최고 백만불

(An additional $100,000 per illness, per year; up to $1 million)

병원비 (입원/외래)

(Hospitalization (inpatient/outpatient))

포함

(Included)

포함

(Included)

포함

(Included)

수술

Surgery (Performed at a facility that meets accepted standards of care)

포함

(Included)

포함

(Included)

포함

(Included)

의사 방문

(Doctor’s office visits)

케이스와 관련된 비용은 포함

(Incident-related)

비포함

(Not included)

비포함

(Not included)

처방약

(Prescriptions)

케이스와 관련된 비용은 포함

(Incident-related)

비포함

(Not included)

비포함

(Not included)

물리치료/ 가정 간병

(Physical therapy/home health care)

케이스당 45회까지

(Up to 45 visits per incident)

비포함

(Not included)

비포함

(Not included)

임신/출산

(Maternity)

임신마다 최고 $125,000까지, 또는 브라더스키퍼 포함하면 최고 무제한까지

(Up to $125,000 per pregnancy or unlimited w/Brother’s Keeper)

병원치료만 (임신마다 $125,000까지) 또는 조산원 서비스는 $2,500 까지

(Only hospital treatment (up to $125,000 per pregnancy) or up to $2,500 for midwife services per pregnancy)

병원치료만 (임신마다 $125,000 까지)

(Only hospital treatment (up to $125,000 per pregnancy) is eligible for sharing)

대체의학관리

(Alternative care)

비포함

(Not included)

비포함

(Not included)

비포함

(Not included)

 

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計劃 (Programs)

Gold Plan: 金計劃 $150個人單位/月

金計劃提供會員醫療事工最廣泛的費用支助。 在金等級裏,每年您個人單位付擔$500美元的個人責任。您每一種醫療事故發生的費用賬單總額必須超過$500美元。當您獲取賬單折扣可以減少或抵消您的$500美元個人責任金額。在每一種疾病裏, 您可以得到補助高達$125,000美元。 例如:您在年初接受治療膽囊問題。您的賬單總額為$7500美元。 CHM分擔$7 000美元 (賬單總額/$7500美元減掉你個人的責任/$500美元) 。在同一年中你做(對於膽囊不相關的疾病)的一些血液測試為$400美元。 CHM不分擔這些賬單,因為該醫療事件的總費用低於$500美元。在同一年年底,你折斷手臂.治療手臂費用達$2500美元。 CHM事工會付擔$2,500元的全部金額,因為你已經支付了年初的$500美元個人的責任了。

 

GOLD PLUS BROTHER’S KEEPER

(超金兄弟守護者) 如果你加入金等級,也加入了Brother’ Keeper,您將會有無限的費用援助提供給您的所有符合條件的醫療費用(當你滿足達到個人的責任後)。

 

Silver Plan: 銀計劃 $85個人單位/月

在銀等級裏,每年您個人單位付擔$1000美元的個人責任。換句話說,您需要為每種醫療事件支付$1000美元 (或者在您的醫療賬單您獲得至少要$1000美元的折扣). 在$1000美元之後,CHM會幫助分擔您的醫療開支。每一種疾病您可以得到援助高達$125,000美元。

 

SILVER PLUS BROTHER’S KEEPER

(超銀兄弟守護者) 報名參加 Brother’s Keeper 提供了額外$10萬元醫療費用支助。每年度 Brother’s Keeper續約,會員將獲得額外$10萬美元醫療費用支助. 每一種疾病支助可累積高達$100萬美元。

 

Bronze Plan: 銅計劃 $45個人單位/月
在銅等級裏,每種醫療事件你有$5000美元的個人責任。換句話說,您需要為每種事件支付$5000美元 (或者在您的醫療賬單您獲得至少要$5000美元的折扣). 在$5000美元之後,CHM會幫助分擔您的醫療開支。每一種疾病您可以得到援助高達$125,000美元。

BRONZE PLUS BROTHER’S KEEPER

(超銅兄弟守護者) 報名參加Brother’s Keeper提供了額外$10萬元醫療費用支助。每年度 Brother’s Keeper續約,會員獲得額外$10萬美元醫療費用支助. 每一疾病支助可累積高達$100萬美元。

 

 計劃比較 (Program Comparison)

 

Gold/金

Silver/銀

Bronze/銅

Personal responsibility/

個人責任

$500 per unit, per year (bills per incident must exceed $500; please see example above)/

$500每年每一個單位 (每一種醫療事件賬單必須超過$500美元; 請看以上例子)

$1,000 per medical incident/

$1,000 每一種醫療事件

$5,000 per medical incident/

$5,000每一種醫療事件

Sharing limit/

分擔限度

$125,000 per illness/

$125,000 每一種疾病

$125,000 per illness/

$125,000 每一種疾病

$125,000 per illness/

$125,000 每一種疾病

Sharing limit w/Brother’s Keeper/

有Brother’s Keeper/兄弟守護者分擔限度

Unlimited per illness/

每一種疾病是沒有限度的

An additional $100,000 per illness,

per year; up to $1 million/

每年每一種疾病有額外$10萬元醫療費用支助, 其支助可累積高達$100萬美元

An additional $100,000 per illness,

per year; up to $1 million/

每年每一種疾病有額外$10萬元醫療費用支助, 其支助可累積高達$100萬美元

Hospitalization

(inpatient/outpatient)/

住院治療(住院/門

Included/包括 Included/包括 Included/包括

Surgery (Performed at a facility that meets accepted standards of care)/

開刀手術(在設施符合公認的護理標準執行)

Included/包括 Included/包括 Included/包括

Doctor’s office visits/

到醫生的辦公室看病

Incident-related/

醫療事件有關的

Not included/不包括 Not included/不包括

Prescriptions/

處方

Incident-related/

醫療事件有關的

Not included/不包括 Not included/不包括

Physical therapy/

home health care/

物理治療/家庭健康護理

Up to 45 visits per incident/

每一種醫療事件可達到45次看病

Not included/不包括 Not included/不包括

Maternity/

生產

Up to $125,000 per pregnancy or unlimited w/Brother’s Keeper/

每次生產可有高達$125,000或當你是 Brother’s Keeper 會員可享用無限制補助

Only hospital treatment (up to $125,000 per pregnancy) or up to $2,500 for midwife services per pregnancy/

只限於住院治療 (每次懷孕可有高達$125,000)或助產士服務可達到$2,500/每次懷孕)

Only hospital treatment (up to $125,000 per pregnancy) or up to $2,500 for midwife services per pregnancy/

只限於住院治療 (每次懷孕可有高達$125,000)或助產士服務可達到$2,500/每次懷孕)

Alternative care/

替代保健

Not included/不包括

Not included/不包括

Not included/不包括

 

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Programas (Programs)

Programa Gold     $150 por unidad, por mes 

El programa Gold le provee a miembros con la ayuda financiera más extensiva del ministerio.

Al nivel Gold, usted tiene una responsabilidad personal de $500 por unidad, por año. El total de facturas incurridas por cada incidente médico debe de exceder $500. Obteniendo descuentos en sus facturas puede reducir o eliminar sus $500 de responsabilidad personal. Usted califica para recibir asistencia de hasta $125,000 por cada enfermedad.

Ejemplo:

Usted puede recibir tratamiento temprano en el año por un problema de su vesícula biliar. Sus facturas salen a un total de $7,500. CHM comparte el total menos su responsabilidad personal ($7,000). Entre el año tiene que hacerse estudios de sangre (por una enfermedad diferente) que cuesta $400. CHM no comparte está factura porque el costo total es menos de $500. A fin de año, usted se quiebra su brazo y el tratamiento le cuesta $2,500. CHM comparte toda la cantidad de $2,500 porque usted ya a pagado los $500 de su responsabilidad personal al empezar el año cuando tuvo problemas de su vesícula biliar.

Gold y Brother’s Keeper

Si solicita al nivel Gold y también a Brother’s Keeper, tendrá ayuda financiera sin límite a su disposición para todas sus facturas médicas (después de que pague su responsabilidad personal).

 

 

Programa Silver        $85 por unidad, por mes

Al nivel Silver, usted tiene $1,000 de responsabilidad personal por cada incidente. En otras palabras, usted tiene que pagar $1,000 (o recibir por lo menos $1,000 de descuentos en sus facturas médicas) por incidente antes de que CHM le pueda ayudar a compartir sus facturas. Usted puede recibir asistencia de hasta $125,000 por cada enfermedad.

Silver y Brother’s Keeper

Solicitar a Brother’s Keeper provee un soporte de costo de hasta $100,000. Con cada renovación de membresía a Brother’s Keeper cada año, miembros reciben unos $100,000 más que se va acumulando hasta un millón de dólares por cada enfermedad.

 

Programa Bronze      $45 por unidad, por mes

Al nivel Bronze, usted tiene una responsabilidad personal de $5,000 por incidente. En otras palabras, usted tiene que pagar $5,000 (o recibir $5,000 de descuentos en sus facturas médicas) por cada incidente antes de que CHM pueda ayudar en compartir sus facturas. Usted puede recibir hasta $125,000 de asistencia por cada enfermedad.

Bronze y Brother’s Keeper

Solicitar a Brother’s Keeper provee un soporte de costo adicional de hasta $100,000. Con cada renovación de membresía a Brother’s Keeper cada año, miembros reciben unos $100,000 más que se va acumulando hasta un millón de dólares por cada enfermedad.

 

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Programs

Gold program          $150 per unit, per month

The Gold program provides members with the ministry’s most extensive financial support.

At the Gold level, you have a $500 personal responsibility per unit, per year. Total bills incurred per medical incident must exceed $500. Obtaining discounts on your bills may reduce or eliminate your $500 personal responsibility amount. You can receive assistance up to $125,000 per illness.

Example: You receive treatment early in the year for a gallbladder problem. Your bills total $7,500. CHM shares the total amount less your personal responsibility ($7,000). In the middle of the same year you have some blood tests done (for an unrelated illness) that cost $400. CHM does not share these bills because the total cost of the incident is less than $500. At the end of the year, you break your arm and the treatment amounts to $2,500. CHM shares the entire amount of $2,500 because you have already paid your $500 personal responsibility in the beginning of the year.

GOLD PLUS BROTHER’S KEEPER

If you join at the Gold level and also join Brother’s Keeperyou will have unlimited financial assistance available to you for all eligible medical bills (after your personal responsibility is met).

 

Silver program            $85 per unit, per month

At the Silver level, you have a $1,000 personal responsibility per incident. In other words, you need to pay $1,000 (or receive at least $1,000 worth of discounts on your medical bills) per incident before CHM helps share your expenses. You can receive assistance up to $125,000 per illness.

SILVER PLUS BROTHER’S KEEPER

Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, members receive an additional $100,000, accruing up to $1 million per illness.

 

Bronze program      $45 per unit, per month

At the Bronze level, you have a $5,000 personal responsibility per incident. In other words, you need to pay $5,000 (or receive at least $5,000 worth of discounts on your medical bills) per incident before CHM helps share your expenses. You can receive assistance up to $125,000 per illness.

BRONZE PLUS BROTHER’S KEEPER

Signing up for Brother’s Keeper provides an additional $100,000 of cost support. With each annual Brother’s Keeper renewal, members receive an additional $100,000, accruing up to $1 million per illness.

Program Comparison
 

Gold

Silver

Bronze

Personal responsibility

$500 per unit, per year (bills per incident must exceed $500; please see example above)

$1,000 per medical incident

$5,000 per medical incident

Sharing limit

$125,000 per illness

$125,000 per illness

$125,000 per illness

Sharing limit w/Brother’s Keeper

Unlimited per illness

An additional $100,000 per illness, per year; up to $1 million

An additional $100,000 per illness, per year; up to $1 million

Hospitalization (inpatient/outpatient)

Included

Included

Included

Surgery (Performed at a facility that meets accepted standards of care)

Included

Included

Included

Doctor’s office visits

Incident-related

Not included

Not included

Prescriptions

Incident-related

Not included

Not included

Physical therapy/home health care

Up to 45 visits per incident

Not included

Not included

Maternity

Up to $125,000 per pregnancy or unlimited w/Brother’s Keeper

Only hospital treatment (up to $125,000 per pregnancy) or up to $2,500 for midwife services per pregnancy

Only hospital treatment (up to $125,000 per pregnancy) is eligible for sharing

Alternative care

Not included

Not included

Not included