Customer Service: 877.685.2432 | Sales: 469.341.0999

Frequently Asked Questions


We’ve created a quick reference to our most frequently asked questions. If your question isn’t included here, email us at information Email, or contact CHC Customer Service at 877-685-2432.

What is considered a preventive service?

A service that is not a result of injury or illness. Preventive services include but are not limited to physical examinations, well woman exams, routine immunizations, cancer screenings, routine lab and radiology, Pap smears, some contraceptive methods and flu and pneumonia vaccines.  CHC recommends each member consult with a doctor to determine the appropriate preventive services based upon your individual needs.  Click here for more information on preventive care guidelines.

What is Minimum Essential Coverage?

It is the minimum coverage requirement specified by the Affordable Care Act (ACA), that an individual needs in order to fulfill the Individual Mandate and avoid the tax penalty. The coverage consists of 100% coverage for preventive services. PLEASE NOTE: The plan is only required to cover these benefits when utilizing in-network providers.

Which member forms are available to me on the CHC website?

In the “Member Resources” section of the “Partners”, “Members” section of the CHC website, members have access to view and print the following online forms:

  • Temporary ID cards
  • Medical, Life Benefits, Accident Medical and other claim forms
  • Prescription drug formulary

Do I pay my doctor for services he provides at my time of service?

In-network providers should bill CHC directly for services rendered to you.  Once the bill is received from the provider, CHC will apply a discount to the bill and will send the provider the benefit payment along with an explanation of payment (EOP). If you are asked to pay for services at the time of your visit, please ask the provider to call CHC Customer Service for assistance.  If you elect to pay for your visit at the time of service, you can easily file a claim with CHC.  Claim forms are located in the “Partners”, Members”, “Member Resources” section of this website.

Do I need to verify that my doctor is in-network prior to making an appointment?

Verifying that your doctor participates with your CHC benefit plan prior to an appointment is always a good idea if you want to get the best discount; however, it is not required for the Limited Benefit Medical or Hospital Indemnity plans.  If you have an MEC plan with a network attached and need preventive care, please verify your provider is in-network for the services to be covered at 100%.  Because network changes occur throughout the year, it is good practice continue to verify your doctor’s participation in the network.  Contact Multiplan / PHCS for assistance in locating a provider at 888-371-7427, if you are unable to locate them on their website search engine.

How do I locate a CHC participating provider?

CHC utilizes PHCS (MultiPlan) provider networks for all CHC benefit plans.  Click here to view the providers associated with your CHC benefit plan, or contact Multiplan for provider locator assistance at 888-371-7427.

Do CHC members have to use in-network providers?

CHC members can visit in-network, or out-of-network providers when receiving care for an injury or illness under the Limited Benefit Medical and Hospital Indemnity Plans, but it is recommended that members utilize in-network providers when possible to reduce out-of-pocket costs, if a network is attached to your CHC plan.  Preventive services provided to members enrolled in the Minimum Essential Coverage (MEC) plans DO have to be provided by in-network providers to be covered at 100%. The MEC Enhanced Provider Choice and Minimum Value Plans don’t have a network attached to them and you can go to the provider of your choice.

How do I print a temporary ID card?

Members or employers can request and print a temporary ID card by clicking on the “Partners”, “Member Resources” section or “Partners”, “Employer Portal” sections of the CHC website.  Simply follow the step-by-step instructions.  Contact CHC Customer Service for questions or assistance.

Can I access benefit and eligibility information on the CHC website?

Currently that feature is not available, but will be coming soon.  Members are able to request a temporary ID card, download and print claim forms and view and/or print the Rx formulary.