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Savannah, Georgia 31401
Medical insurance
The Episcopal Church Medical Trust (Medical Trust) 2025 health benefits offerings and Annual Enrollment details are now available. Premiums have increased by around 6%, depending on the plan. 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.
Annual Enrollment for 2024 will run from October 16 to November 15.
Introducing Quantum Health!
The Medical Trust is enhancing its plans that use the Anthem and Cigna networks* with healthcare coordination services from Quantum Health (Quantum). Beginning January 1, 2025, Quantum’s care coordinators—nurses, benefits experts, and claims specialists familiar with our membership and our plans—will guide members enrolled in those plans as they navigate today’s complex healthcare system, helping them understand their coverage and supporting their healthcare needs, whether they’re looking for a specialist, managing a chronic condition, or simply trying to stay healthy. Please note that starting January 1, 2025, you will have only one ID card for medical, prescription, and behavioral health services. You will receive the new card by December 31, 2024, and must share it with healthcare providers (except for dental) beginning January 1, 2025.
During Annual Enrollment, Quantum will be available (at 866-871-0629) to help members and potential members review existing benefits, understand plan options, and choose the right plan for themselves and their families.
*Members enrolled only in a dental plan (through Delta Dental), a disability policy (through Aflac), and/or the standalone EAP will not use the services of Quantum Health.
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 plans to maintain their current medical coverage, no action is required. However, members are still encouraged to verify their personal information, dependent coverage, and plan selections by logging in to MyCPG Accounts during Annual Enrollment.
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.
Those turning 65 in 2025 will become eligible for the Medicare Secondary Payer (MSP) Plans.
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.
We will offer the following medical and dental 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 | $984 | $1771 | $2755 | Cigna - MCDH Anthem - MHDG |
| Cigna CDHP-20/HSA | $870 | $1566 | $2436 | Cigna - MHDC Anthem - MHDE |
PPO Plans | ||||
| PPO 80 | $1142 | $2056 | $3198 | Cigna - MG03 Anthem - MPP3 |
| PPO 90 | $1352 | $2434 | $3786 | Cigna - MG02 Anthem - MPP2 |
| EAP Only | $4 | $4 | $4 | MEAP |
Medicare Secondary Plans | ||||
| Single | Employee + One | Family | Plan Code | |
| MSP PPO 80 | $913 | $1643 | $2556 | Cigna - MGM3 Anthem - MS11 |
| MSP PPO 90 | $1084 | $1951 | $3035 | Cigna - MGM3 Anthem - MS11 |
Dental Plans
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 | $90 | $162 | $252 | MSG9 |
| Delta Dental Comprehensive | $67 | $121 | $188 | MPP1 |
| Delta Dental Basic | $41 | $74 | $115 | MS12 |
****IMPORTANT REMINDER: Members will make their plan selections on MyCPG Accounts using the email address and password associated with their MyCPG Account. Client ID numbers are no longer being used to access these account. If they have not already done so, members must create an account before Annual Enrollment.****
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.
NOTE: Please inform potential (eligible but not enrolled) members 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 cpg.org/mtdocs.
Plan Documents
2025 Summaries of Benefits and Coverage and Plan Document Handbooks containing plan details are available found on the Church Pension Group website at cpg.org/mtdocs.
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 must ensure 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 month 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. Sincerely, Canon Loren Lasch 912-236-4279 / llasch@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.