Medical insurance

Medical Insurance for Clergy and Lay employees

Annual Enrollment for 2021:

Session 1: October 12 – October 30

Please find the details for Annual Enrollment below on prices and resources to review plans. Premiums increased 4-5.5% across all available plans. The national average increase for 2021 is 5.3%. Note that 86% of our rates are 0-9% below the Medical Trust average. The Diocese of Georgia is in line with national increases due to participation and usage of CDHP health insurance plans, however, we could see improvement on the use of preventative health care visits across our enrollees. The Diocese receives data on health trends for our participants and we continue to track at lower costs for common diagnoses, meaning our folks are going to the doctor when needed and getting earlier care.

If you are enrolled, or need to enroll, read the details in entirety and make your changes by October 30th. If you do not desire to change your existing coverage, you are not required to take action and your plan will roll over into the coming year.

If you are turning 65 in 2021 you will become eligible for the Medicare Secondary Payer (MSP) Plans. It is recommended that you make the shift into the corresponding PPO plan to speed up the transition to the corresponding MSP plan. However, this is not required. Further guidance on the MSP plans is below. Please be in contact with Canon Easterlin for any questions at keasterlin@gaepiscopal.org.

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.
  • 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.

Medical Plans:

Please note the majority of individuals enrolled in plans are in the Cigna CDHP-20 plan.

High Deductible Plans

    
Medical Plan/Monthly RatesSingleEmployee + OneFamilyPlan Code
Cigna CDHP-15/HSA $778$1400$2178MCDH
Cigna CDHP-20/HSA$688$1238$1926MHDC

PPO Plans

(Including Medicare Eligible MSP)
Cigna PPO 100$1097$1975$3072MG01
Cigna PPO 90$1-11$1820$2831MG02
Cigna PPO 80$918$1652$2570MG03
Cigna PPO 70 $830$1494$2324MG04
Cigna MSP PPO 100$878$1580$2458MGM1
Cigna MSP PPO 90$810$1458$2268MGM2
Cigna MSP PPO 80$734$1321$2055MGM3
Cigna MSP PPO 70$665$1197$1862MGM4
EAP $4$4$4MEAP

Dental Plan/Monthly Rates

SingleEmployee + OneFamilyPlan Code
Preventative Dental$41$74$115DDPV
Basic Dental$66$119$185DD50
Dental & Orthodontics$89$160 $249DD25

Currently Enrolled Employees

Currently enrolled employees (plan members) will receive an Annual Enrollment brochure in a green envelope from the Medical Trust approximately one week before their Annual Enrollment period. This brochure will include their Client ID number, which they’ll need to enroll. Please instruct them to save this brochure. It also includes their Annual Enrollment dates, a checklist, what’s changing for 2021, benefit reminders, and how to enroll. In your communications, please encourage your employees to begin reviewing their options and to research plans early.

IMPORTANT REMINDER: Members will access the Annual Enrollment website with the same credentials (username and password) they created to access their benefits information on MyCPG Accounts. It is important for all members to create an account on MyCPG Accounts prior to Annual Enrollment, if they have not already done 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 may enroll during Annual Enrollment for the 2021 plan year. Please submit an enrollment form to me as this process must be handled by the plan administrator.

NOTE: As materials are not mailed to potential 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 direct them to applicable legal notices and Summaries of Benefits and Coverage available at www.cpg.org/mtdocs.

Plan Documents

2021 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.

65+ Members Working

Members who qualify of the Medicare Secondary Payer plans should read the following document on benefits and policies. For questions and next steps, please reach out to Canon Easterlin at keasterlin@gaepiscopal.org. Please make sure to engage with the Diocese and CPG prior to meeting with Medicare to receive guidance on available options and necessary steps.

What’s Changing for 2021

  • To ensure that members have a high-quality, comprehensive benefit plan and in response to feedback, if you enroll in any of the Anthem Blue Cross and Blue Shield, Cigna, or Kaiser Permanente health plans, you will have access to a hearing aid benefit allowance:
Current Benefit2021 Benefit
Amplifon hearing aid device discount onlyMaximum benefit of $1,500 per ear every three years

 

Note: In order to offer our active members a hearing aid benefit allowance in 2021, we will no longer be offering the Amplifon hearing aid device discount that we currently provide.

  •  In response to COVID-19, effective March 1, 2020, the Medical Trust waived member cost shares for services received through our health plan carriers’ telehealth platforms. The Medical Trust also removed plan exclusions to allow virtual visits with members’ personal healthcare providers to be covered at the usual in-person office visit cost share. Both of these provisions will be continued at least through December 31, 2021.

No Changes to Current Plan Selections

Please note that there are no changes to our current plan options for the coming year. However, members are encouraged to go online during Annual Enrollment to verify their demographic information, dependent coverage, and plan selections, and to make changes if necessary.

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

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, contact the Canon for Administration, Katie Easterlin at 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/or 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.