Medical Insurance

Medical Insurance for Clergy and Lay employees

Online Open Enrollment for 2017 will run from October 24 to November 09, 2016.

Medical Plans
We are offering the following medical plans to our employees through The Episcopal Church Medical Trust (Medical Trust):

Medical Plan / Monthly Rates Single Employee + 1 Family Plan Code
High Deductible Plans
Anthem BCBS CDHP-15/HSA $684 $1231 $1915 MHDG
Anthem BCBS CDHP-20/HSA $605 $1089 $1694 MHDE
Anthem BCBS CDHP-40/HSA $546 $983 $1529 MHBR
PPO Plans
Anthem PPO 75/50 $809 $1456 $2265 MSPV
Anthem PPO 80/60 $896 $1613 $2509 MSPZ
Anthem PPO 90/70 $1035 $1863 $2898 MSP0
Anthem BCBS EPO80 $888 $1598 $2486 MSEZ
Medicare Eligible Plans
MS Anthem PPO 75/50 $590 $1062 $1652 MSG5
MS Anthem PPO 80/60 $641 $1154 $1795 MSG3
MS Anthem PPO 90/70 $705 $1269 $1974 MSG2
New Plans
Anthem MS PPO 70 SLV $552 $994 $1546 MPSI
Anthem PPO 70 SLV $757 $1363 $2120 MSG8
Anthem BCBS MS EPO80 $627 $1129 $1756 MSG7
EAP $5 $5 $5 MEAP

Dental Plans
We are offering the following Cigna dental plans through the Medical Trust:

Dental Plan / Monthly Rates Single Employee + 1 Family
Preventive Dental $31 $56 $87
Basic Dental $60 $108 $168
Dental & Orthodontia $82 $148 $230

What You Need to Know About Open Enrollment
During the Medical Trust’s Open Enrollment period:

  • Current plan members may change their plan selections for the following year
  • Eligible non-participating employees have the option to join a plan
  • Eligible non-participating dependents may be added to a member’s plan and participating dependents may be removed from a member’s plan without the need to demonstrate a qualifying event

Currently Enrolled Employees
Please inform your currently enrolled employees (plan members) that they will receive a letter from the Medical Trust approximately one week before their Open Enrollment period. This letter will provide them with information on when and how to access the Open Enrollment website, and links to important benefits information and plan resources. In your communications, encourage your employees to begin reviewing their options and to research plans early.

IMPORTANT REMINDER: Members will access the enrollment web page with the same credentials (user name and password) they created to access their benefits information on MyCPG Accounts. It is important for all participating employees to create an account on MyCPG Accounts prior to Open Enrollment, if they have not already done so. For assistance, employees may contact the Client Services Team at (800) 480-9967, Monday to Friday, 8:30AM – 8:00 PMET (excluding holidays), or email mtcustserv@cpg.org.

Non-participating Employees
Existing employees who qualify for health coverage but are not participating in one of the Medical Trust plans are eligible to enroll themselves and/or their dependents during Open Enrollment for the 2017 plan year. As we do not mail materials to these potential members, please send a communication to these employees informing them of this option as well as the plans and rates available to them and all applicable legal notices and Summaries of Benefits and Coverage. The Summaries of Benefits and Coverage are available at www.cpg.org/mtdocs. You may use the attached enrollment form for new member enrollments and return them to me before 11/06/2016.

Plan Documents
2017 Summaries of Benefits and Coverage and 2016 Plan Document Handbooks containing more information about the available plans may be found on the Church Pension Group website at www.cpg.org/mtdocs. Please remember that you are responsible for providing newly eligible employees a copy of all applicable legal notices and Summaries of Benefits and Coverage.

2017 PLAN OFFERINGS
New Plans
Please note that we are offering new plans from the Medical Trust for the 2017 plan year: See table above. Additional information about the plan designs is available for your review on www.cpg.org as well as on the Open Enrollment page. Two are Medicare eligible plans. Please visit here: https://www.cpg.org/active-lay-employees/insurance/health-and-wellness/open-enrollment/ (will be updated once open enrollment is live).

Employee Assistance Program (EAP) with Cigna Behavioral Health
In addition to the health plans, we offer a stand-alone EAP that you and your related entities may elect to offer to their employees who opt out of medical benefits coverage. (The EAP is already included as part of each medical plan offering.)

Note: On a stand-alone basis, the employer must pay for the EAP-only coverage. Requiring employees to contribute to the EAP-only coverage would violate the Affordable Care Act and the employer could be subject to significant penalties. Eligibility for the stand-alone EAP program is limited to qualified non-members (e.g. an employee who opts out of medical coverage because they are on a spousal plan). Because these employees will not have the ability to select the EAP on a stand-alone basis during Open Enrollment, enrollments must be completed by the group administrator with MLPS access.

Episcopal Diocese of Georgia Health Insurance Policy
In order to comply with the diocesan clergy minimum compensation standard, a congregation with a priest working at least 30 hours per week is required to assure insurance coverage. For those who do not otherwise have medical insurance provided through a spouse or an existing plan such as Tri-care, this means selecting at least the lowest cost option from the plans above.

For those in a High Deductible Plan with a Health Savings Account, the Diocese expects the employer will pay $200 per month or $2400 per year into the HSA for those electing the single HDHP and $400 or $4800 per for the plus one or family plan in the first year of coverage and to continue to pay $150 per month for Single HDHP and $300 per month for plus one, and $400 for family plans in subsequent years.

If you have any questions, please don’t hesitate to contact me at kwilloughby@gaepiscopal.org.

 

 


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