All Programs offer sharing of most healthcare needs on a percentage basis. Among other things, members share the cost of office visits (for both sick and well visits), diagnostic work, surgery, ambulance, emergency room, and hospital stays. All programs give the member the freedom to have their medical providers bill CHA directly, thus avoiding the burden of paperwork necessitated by self-pay.

All Programs have no illness limits and no lifetime limits.

All Programs have no waiting periods or pre-existing clauses.

Optionally, all members may participate in Dental and Vision sharing as well. See Overview of shareable and non-shareable items for more details.

Monthly share contributions vary by age and are billed for the first six members of the family. Additional family members are free.

Diabetic supply assistance is available with all programs at no additional cost.

The Board of Directors will continue to consider each case that exceeds the Annual Sharing Limit, and offer additional assistance where needed through the Brother-to-Brother Fund.

All CHA sharing programs are secondary to all other types of coverage or financial assistance except for state aid, who is always the payer of last resort.

If funds that are shared by CHA for the payment of medical bills are not used for this purpose, membership in the sharing program may be terminated.

With any CHA program, you remain personally responsible for your medical expenses. There is no guarantee that any medical expense you submit will be shared by other members.