Check out the Benefits for 2019!
This letter contains important information about your health benefits for 2019. Please, read it carefully and contact us with any questions. The Diocesan Benefits Team, firstname.lastname@example.org , 215.621.8311
Our online Open Enrollment for your 2019 health benefits will run from October 15th through November 3rd, 2019.
2019 Medical Plans
We are offering the following medical plans to our employees through The Episcopal Church Medical Trust (Medical Trust):
2019 Medical Plan / Monthly Rates
Single $ 908
Emp + Spouse 1,816
Emp + Child/ren 1,634
Single $ 764
Emp + Spouse 1,528
Emp + Child/ren 1,375
Single $ 609
Emp + Spouse 1,218
Emp + Child/ren 1,096
Single $ 824
Emp + Spouse 1,648
Emp + Child/ren 1,483
PPO 90 Medicare Supplement Plan (MSP)
Single $ 726
Emp + Spouse 1,452
Emp + Child/ren 1,307
PPO 80 Medicare Supplment Plan (MSP)
Single $ 659
Emp + Spouse 1,318
Emp + Child/ren 1,186
*It is the policy of the Commission on Wellness that the Diocesan minimum coverage be set at the level of PPO 80 for 2019. If an employee elects to enroll in a Consumer Directed Health Plan, the financial difference between the selected CDHP and the PPO 80 plan is to be deposited into the corresponding Health Savings Account.
The following Cigna dental plans are also offered through the Medical Trust:
Dental Plan / Monthly Rates
Single $ 31
Emp + Spouse 62
Emp + Child/ren 56
Single $ 43
Emp + Spouse 86
Emp Child/ren 77
Dental & Orthodontia
Single $ 56
Emp + Spouse 112
Emp + Child/ren 101
2019 Summaries of Benefits and Coverage may be found below :
Dental & Orthodontia
(Plan Document Handbooks will be updated on the website in January 2019.)
All plans that have been called High Deductible Health Plans will now be called Consumer Directed Health Plans, in accordance with healthcare market trends.
The Consumer Directed 40 and 15 plans are paired with a Health Savings Plan (HSA) that is funded by the employer, on the employee’s behalf, paid directly to the Medical Trust who then funds the monies to the bank account(s) of the employee(s). Monies not used from the HSA during the plan year remain there indefinitely, until the employee uses them; and if the employee leaves that place of employment, s/he takes the account with her/him. It is essential that the employer make these contributions monthly at best, or at least quarterly. These contributions cover the high co-pays and deductibles of the HDHPs. The information for setting up the HSA is sent to the employee after s/he enrolls in the HDHPs. Additional assistance is provided by the Medical Trust Client Engagement Team at 800.480.9967.
Employees should only select the HDHP plan if they understand the benefits and risks of the plan, and if their employer agrees, as condition of employment, to fund the HSA at the recommended level described below. If this is not done, the PPO 90 will be a more practical plan.
Additional HSA information is now available by going to cpg.org.
Please note that for 2019:
You will receive a letter from the Medical Trust approximately one week before Open Enrollment begins. This letter will have information regarding when and how to access the Open Enrollment website. Even if you do not want to make changes to your health plan, it is important for you to log in to the Medical Trust Open Enrollment website to check that your personal information – such as Social Security numbers – is correct for yourself and your dependents. You can submit any corrections through the online system and/or by notifying the Diocesan Benefits Team, email@example.com, 215.621.8311.
IMPORTANT NOTE: For 2019, you will use the same user name and password you created to access
your benefits information on MyCPG Accounts to access the enrollment web page. If you have not already created an account on MyCPG Accounts, please do so before Open Enrollment begins. (Note: You will need your Client ID number to create an account.) For assistance, contact the Client Services Team at (800) 480-9967, Monday to Friday, 8:30AM – 8:00PM ET (excluding holidays). Or, email firstname.lastname@example.org.
Begin reviewing your options now if you are considering a plan change or considering enrolling in a Medical Trust plan. Research your options prior to the Open Enrollment period to allow yourself time to make your decision. This is also the time of year when you may add eligible dependents to your plan or remove eligible dependents from your plan without the need to demonstrate a qualifying event.
Not a Member and Want to Enroll?
If you are not currently participating in a Medical Trust plan and would like to enroll, please review the plan options in this letter, and go online to www.cpg.org, select Active Clergy or Lay, then Health to explore the plans and benefits. You will not receive a letter from the Medical Trust, so please contact the Diocesan Benefits Coordinator to request an enrollment form and a copy of the Summaries of Benefits and Coverage and other important notices or to ask any questions.
Employee Assistance Program (EAP) with Cigna Behavioral Health
In addition to the health plans, your employer also offers a stand-alone EAP for qualified employees who have spousal or other qualified coverage that is not through the Medical Trust. (The EAP is already included as part of each medical plan offering.) This outstanding program covers your entire household,and is paid for by your employer.
Did you know?
Our health plan covers preventive care visits at 100%. Preventive care is not only a cost-saving measure, it’s also about helping you take better charge of your healthcare outcomes by your maintaining a working relationship with a healthcare provider who gets to know you over time. The better your healthcare provider knows you as a whole person, the better equipped you are in preventing the onset of potential chronic illness and also will allow you to make better health and lifestyle choices everyday. Preventive care is really about you! It’s not just for the health plan’s bottom line. If you don’t have a primary provider today, do make sure that you select one as part of open enrollment.
Please, also note that updates to the all offered health plans may require a pre-authorization for certain procedures. Please, have your physician check with the provider before having any procedures.
If you have any questions, please don’t hesitate to contact us.
The Diocesan Benefits Team
Please note that this document is provided for informational purposes only and should not be viewed as an offer of coverage, legal, medical, tax or other advice. Please consult with your own professional advisor for further guidance. In the event of a conflict between this document and the official plan documents, the official plan documents will govern. The Church Pension Fund and its affiliates retain the right to amend, terminate or modify the terms of any benefit plans described in this document at any time, for any reason and unless required by law, without notice.