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Savannah, Georgia 31401
Medical insurance
The Episcopal Church Medical Trust (Medical Trust) 2024 health benefits offerings and Annual Enrollment details are public. Premiums have increased from 6-8%, depending on the plan. Most of our participants are in the CDHP 20 Plan, and the rate increases by 8%. The overall national average increase is expected to be 6%. Our Diocesan-wide claim data showed a higher claim year than in years past, leading to a higher loss ratio. The Diocese recognizes that health insurance is one of the most significant costs for our congregation’s budgets. While we’ve been in line or below national averages for several years, our usage and the overall increases across all Med Trust plans are seeing significant growth this year. Additionally, Medical Trust paused substantial increases last year due to the financial impacts of the pandemic.
Annual Enrollment for 2024 will run from October 11 to November 1.
Important change information for 2024 includes:
- New dental plan for all employees– Medical Trust has ended Cigna plans and will switch to Delta Dental. All employees with dental MUST enroll in the new vendor.
- Now offering both Cigna and Anthem plans– some in-network providers dropped Cigna coverage in the middle of 2023 (the Augusta area in particular). We are offering both plans so employees can have better access to their choice provider.
- New enrollments still go through the Diocese– If you employ a new employee between now and the end of the year, submit their enrollment through the Diocese.
If you are enrolled or need to enroll, read the details on the Diocesan website here and make your changes by November 1st. If you do not desire to change your existing coverage, you are still required to take action on your dental plan coverage if you wish to maintain it with the new vendor.
If you turn 65 in 2024, you will become eligible for the Medicare Secondary Payer (MSP) Plans. It would be best if you shifted into the corresponding PPO plans to speed up the transition to the corresponding MSP plan. However, this is not required. Please be in contact with Canon Easterlin for any questions at keasterlin@gaepiscopal.org.
You can view 2024 rates here.
For information about eligibility for the Episcopal Health Plan, the Small Employer Exception (SEE) Plan, and the Group Medicare Advantage Plan, refer to the Medical Trust Administrative Policy Manual.
Please note that you can also leverage Health Advocate to assist with Annual enrollment decisions. They can be reached at 866.695.8622. If you need additional support, please reach out to Canon Easterlin (keasterlin@gaepiscopal.org) or Daniel Garrick (dgarrick@gaepiscopal.org).
New Vendor: Delta Dental! Action Required!
If your Participating Group offers dental coverage with Cigna Dental through the Medical Trust, that coverage is going away after December 31, 2023. To continue offering dental coverage through the Medical Trust, your group must select a Delta Dental plan from the Premium, Comprehensive, and Basic plan options. Learn more below.
Medical Plans
We will offer the following medical plans to our employees through the Medical Trust. Please note that Anthem and Cigna plans are the same rates:
High Deductible Plans | ||||
|---|---|---|---|---|
| Medical Plan/Monthly Rates | Single | Employee + One | Family | Plan Code |
| Cigna CDHP-15/HSA | $928 | $1670 | $2598 | Cigna - MCDH Anthem - MHDG |
| Cigna CDHP-20/HSA | $821 | $1478 | $2299 | Cigna - MHDC Anthem - MHDE |
| PPO 100 | $1287 | $2317 | $3604 | Cigna - MG01 Anthem - MPP1 |
| PPO 90 | $1186 | $2135 | $3321 | Cigna - MG02 Anthem - MPP2 |
| PPO 80 | $1077 | $1939 | $3016 | Cigna - MG03 Anthem - MPP3 |
| PPO 70 | $957 | $1723 | $2680 | Cigna - MG04 Anthem - MPP4 |
| EAP Only | $4 | $4 | $4 | MEAP |
Medicare Secondary Plans | ||||
| Single | Employee + One | Family | Plan Code | |
| MSP PPO 100 | $1031 | $1856 | $2887 | Cigna - MGM1 Anthem - MSG9 |
| MSP PPO 90 | $951 | $1712 | $2663 | Cigna - MGM2 Anthem - MS10 |
| MSP 80 | $861 | $1550 | $2441 | Cigna - MGM3 Anthem - MS11 |
| MSP PPO 70 | $780 | $1404 | $2184 | Cigna - MGM4 Anthem - MS12 |
Dental Plans Are Changing!
Delta Dental has the largest network of dentists nationwide and will be our new dental vendor for 2024.
Members will be able to access services in two Delta Dental dentist networks (PPO and Premier) or use out-of-network dentists. Their coinsurance, deductible, and maximum annual benefit will vary based on the network they use for a covered dental service. That puts your members in charge of making their money go further.
Learn more about what Delta Dental offers in the “Changes for 2024” section below.
We will offer the following Delta Dental plans through the Medical Trust:
Dental Plan/Monthly Rates | Single | Employee + One | Family | Plan Code |
|---|---|---|---|---|
| Delta Dental Premium | $89 | $160 | $249 | DPRE |
| Delta Dental Comprehensive | $66 | $119 | $185 | DCOM |
| Delta Dental Basic | $41 | $74 | $115 | DDBA |
What You Need to Know About Annual Enrollment
During the Medical Trust’s Annual Enrollment period:
- Current plan members may change their plan selections for the following year.
- If the employee intends to have dental coverage through the Medical Trust in 2024, action is required. They must enroll with Delta Dental, our new vendor. Cigna Dental coverage is going away.
- If the employee plans to maintain their current medical coverage, no action is required.
- If the employee’s current medical plan is not being offered next year, they will need to enroll in a new plan, or they will not have Medical Trust coverage in 2024.
- Eligible non-participating employees have the option to enroll in a Medical Trust plan.
- Eligible dependents may be added or removed from a member’s plan without the need to demonstrate a qualifying event.
- Ineligible employees’ coverage should be terminated.
Currently Enrolled Employees
Currently enrolled employees (plan members) will receive an Annual Enrollment letter in a green envelope from the Medical Trust approximately one week before their Annual Enrollment period. This letter will include information about how to access the enrollment site and their Annual Enrollment dates. Please instruct them to save this letter. In your communications, please encourage your employees to begin reviewing their options and to research plans early.
If an employee takes no action and their current medical plan is offered for 2024, their medical plan selections will automatically carry over to 2024, and any applicable rate increases will apply.
Note: Members must actively enroll in a Delta Dental plan if they wish to have dental coverage through the Medical Trust. If members are currently enrolled in a Cigna Dental plan through the Medical Trust, that coverage is going away on December 31, 2023. They must select a Delta Dental plan option for themselves and their dependents during Annual Enrollment for 2024.
New Hires After Annual Enrollment Begins
New hires and other employees who enroll in a Medical Trust plan for the first time after the Annual Enrollment letter mailing list is created will not receive an Annual Enrollment letter; however, they will be able to participate in the Medical Trust’s Annual Enrollment through MyCPG Accounts. Their plan selections will carry over into 2024 if they do not make a change during Annual Enrollment. If the employee wishes to make a change to their medical plan enrollment for 2024, if their plan is going away for 2024, or if they wish to enroll in Delta Dental coverage through the Medical Trust in 2024, they will need to log in to MyCPG Accounts or contact their group benefits administrator for assistance. Members may contact our Client Services team for assistance accessing their login credentials.
IMPORTANT REMINDER: Members will make their plan selections on MyCPG Accounts using the email address and password associated with their MyCPG Account. The Client ID number is no longer used to access the account. It is important for all members to create an account prior to Annual Enrollment if they still need to do so.
For assistance, employees may contact CPG Client Services at (800) 480-9967, Monday to Friday, 8:30 AM to 8:00 PM ET, or email mtcustserv@cpg.org.
Non-Participating Employees
Eligible employees and dependents who are not currently enrolled in a Medical Trust plan will not receive an Annual Enrollment letter but may enroll during Annual Enrollment for the 2024 plan year. The previous decision to decline coverage will carry over into 2024 if they do not enroll during Annual Enrollment. Please submit an enrollment form to me, as the group administrator must handle this process.
NOTE: As materials are not mailed to potential (i.e., eligible but not enrolled) members, please send a communication to inform these employees that they and their eligible dependents may enroll, share the plans and rates available to them, and provide them with the applicable legal notices and Summaries of Benefits and Coverage available at www.cpg.org/mtdocs.
Plan Documents
2024 Summaries of Benefits and Coverage and Plan Document Handbooks containing plan details may be found on the Church Pension Group website at www.cpg.org/mtdocs.
New Plans
Please note that we are offering new Medical Trust plans for 2024: All Anthem plans. Details about the plans are available on www.cpg.org and MyCPG Accounts.
New! Delta Dental Plans Offered in 2024
Please note that the Medical Trust offers new dental plan options with Delta Dental in 2024. Details about the plans are available at cpg.org/deltadental.
Members must actively enroll in a Delta Dental plan to have dental coverage through the Medical Trust. Members currently enrolled in a Cigna dental plan offered by the Medical Trust will not have dental coverage if they do not actively participate in Annual Enrollment and select a Delta Dental plan option.
Employee Assistance Program (EAP) with Cigna Behavioral Health
In addition to the health plans, we offer a stand-alone EAP with Cigna Behavioral Health that you and your related entities may offer to employees who opt out of medical coverage. (Employees who enroll in Medical Trust health coverage are automatically enrolled in Cigna EAP benefits.)
Episcopal Diocese of Georgia Health Insurance Policy
A congregation with a priest or lay employee working at least 30 hours per week must ensure insurance coverage through the Church Medical Trust. 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 available plans through the Diocese. Employers must comply with “Parity”* set by the Denominational Health Plan. All employees must receive the same minimum level of funding for coverage. What is offered for one employee, clergy or lay, must be provided for all. For example, if 100% family coverage is provided for one staff member, it must be provided for all. Health insurance coverage policies for employers should be documented at the employer level.
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.
**Set by resolution A177 at the 76th and 77th General Convention
If you have any questions, please don’t hesitate to contact me.
Sincerely,
Canon Katie Easterlin
912-236-4279 / keasterlin@gaepiscopal.org
This material is provided for informational purposes only and should not be viewed as investment, tax, or other advice. It does not constitute a contract or an offer for any products or services. In the event of a conflict between this material and the official plan documents or insurance policies, any official plan documents or insurance policies will govern. The Church Pension Fund (“CPF”) and its affiliates (collectively, “CPG”) retain the right to amend, terminate, or modify the terms of any benefit plan and insurance policy described in this material at any time for any reason, and, unless otherwise required by applicable law, without notice.
Church Pension Group Services Corporation (“CPGSC”), doing business as The Episcopal Church Medical Trust, maintains a series of health and welfare plans (the “Plans”) for eligible employees (and their eligible dependents) of The Episcopal Church (the “Church”). The Medical Trust serves only eligible Episcopal employers. The Plans that are self-funded are funded by the Episcopal Church Clergy and Employees’ Benefit Trust, a voluntary employees’ beneficiary association within the meaning of section 501(c)(9) of the Internal Revenue Code.
The Plans are church plans within the meaning of section 3(33) of the Employee Retirement Income Security Act of 1974, as amended, and section 414(e) of the Internal Revenue Code. Not all Plans are available in all areas of the United States or outside the United States, and not all Plans are available on both a self-funded and fully insured basis. Additionally, the Plan may be exempt from federal and state laws that may otherwise apply to health insurance arrangements. The Plans do not cover all healthcare expenses, so members should read the official Plan documents carefully to determine which benefits are covered, as well as any applicable exclusions, limitations, and procedures.