Eligibility
Reliant extends medical insurance coverage of the group health plan benefit to all full-time employees or those working 30 hours or more per week. All eligible employees can enroll their eligible dependents (see: Adding a Dependent to Insurance). To waive extended coverage, see Insurance Waiver Options. Part-time employees who average less than 30 hours per week are not eligible to participate in the group health plan. Questions about specific coverage or conditions may be found in the employee’s certificate of group insurance provided by the insurance carrier or by calling the insurance company directly. Hawaii Employees Reliant employees living and working in Hawaii are covered under a Hawaii State-approved ACA plan with UHA. Employees in Hawaii are eligible for benefits at 20 hours, per the State of Hawaii’s ACA guidelines. For more information about this plan, email benefits@reliant.org.
Coverage, Rates, and Plan Details
Please visit Medical Insurance Coverage and Rates and HSA - Health Savings Account.
For all other US Domestic medical coverage information, see the information provided below.
Reliant Medical Plans are Health Saver Plans
Health Saver plans are High-Deductible Health Plans (HDHP) that allow participants to utilize Health Savings Accounts to save and pay for their current and future medical expenses. Some aspects of HS plans differ from traditional Preferred Provider Plans (PPOs). HS plans are designed to be paired with a personal HSA - Health Savings Account, allowing the employee to save monthly funds for medical expenses. The Health Saver plans do not have co-pays for doctor visits or co-pays and discounts for prescription drugs. Participants pay 100 percent of medical and prescription drug claims until they reach the plan’s deductible. (For some HS plans, the plan pays at the co-insurance level until an annual Out-of-Pocket Maximum is reached.) HSA-compatible plans typically cost 20 percent less than a low-deductible PPO plan. Many of the ministries we connect with, such as Pioneers and Wycliffe, are utilizing HSA Plans for their field workers. HSA plans will also have an Employer HSA Contribution in addition to the plan premium.
Non-embedded vs Embedded Deductible
HS2000, HS3000, HS5000 plans - Deductible for individual coverage
This applies only to an employee who has no dependents included on their coverage. The individual is responsible for paying for medical and prescription drug claim costs up to the plan’s individual deductible amount before GuideStone® begins paying claims.
HS2000 and HS3000 plans - Deductibles for family coverage
This applies to an employee who has dependents included on their coverage. The employee and dependents are responsible for paying for medical and prescription drug claim costs up to the plan’s family deductible amount before GuideStone begins paying claims for anyone in the family. The family deductible may be met by one individual or by multiple family members’ combined claims. This is known as a non-embedded deductible.
HS5000 plan - Deductibles for family coverage
This is the amount a family is required to pay before benefits begin for services not covered by co-pays. Once this amount is met, the plan will consider all family members to have met their deductibles. One individual cannot contribute more than the individual deductible amount. This is an embedded deductible.
Health Saver Plans are Paired with a Health Savings Account
Please see HSA - Health Savings Account
Frequently Asked Questions
What Reliant staff are saying about the Health Saver plans
“Honestly, the Health Saver 3000 HSA did take a little getting used to, but my wife and I have been very happy with it so far. We chose to invest enough that we expect to probably carry an excess balance from one year to the next. At this point, it looks like that will happen. One thing this means is that our family budget for health care next year will actually be reduced since we will already be carrying over some funds in the HSA from this year.” – Steve
“The HSA payment card is super easy to use. Just like a debit card! Also, since we don’t have significant healthcare needs at this point, we like the ability to save up for the future with lower premiums. We also like the freedom to spend our money saved on out-of-network expenses.” – David
“As a family that has ALWAYS met our out-of-pocket max each year, this year we’ve paid out from our own pockets LESS than every year before and done it with pre-tax dollars!” – Heather
“I like that it did make us think through what medical decisions we were making. I also like that it would allow us to save up for orthodontic work tax-free. I just wish that I had the HSA option back in my 20s and had put aside the savings from a traditional PPO into my HSA account. It would have really been worth having that HSA account balance in my 30s!” – Luke
Related information
- Medical Insurance Coverage and Rates
- Medical Vision Benefit (PDF)
- Changes HDHP-HSA Plans - GuideStone (PDF)
- Changes PPO Plans - GuideStone (PDF)
- Explanation of Benefits (PDF)
- How the Claims Process Works (PDF)
- Medical Plan Glossary - GuideStone (PDF)
- Notice of Creditable Coverage - GuideStone (PDF)
- PPO Medical Plan Booklet - GuideStone (PDF)
- GuideStone Preventive Care Schedule 2022.pdf
- 2022 Preventive Schedule - Watch Video
- Medical Insurance - Waiver Form - GuideStone (PDF)
9 Comments
Unknown User (daniel.cone@reliant.org)
Unknown User (ed.courtney@reliant.org) Missionaries need to first reach out to Highmark if they have questions about their medical plan, not GuideStone. I changed the contact info box.
The medical insurance video is out of date: we don't have the HC500 any more, so we don't have a plan with a $500 deductible. That's the only fact that is out of date in the video.
The enrollment form is incorrect/out of date. We need to upload the GuideStone enrollment form that doesn't have a coverage effective date of 1/1/16.
Unknown User (ed.courtney@reliant.org)
I updated the form. I would say leave the video for now if that's the only thing out-of-date, and it comes pretty late.
Unknown User (daniel.cone@reliant.org)
Unknown User (ed.courtney@reliant.org), Dave Meldrum-Green We can delete the Notice of Creditable coverage from this page. I saved an email from GuideStone that says that Reliant doesn't have to distribute Notices of Creditable coverage.
Unknown User (emmanuel.joseph@reliant.org)
user-1a794 The only exception we give for full time employees not required to have health insurance with Reliant is, "unless their spouse has a comparable plan through his/her employer and can add the Reliant employee to their plan". Should we mention the other exceptions? Also, I think we should also add the Waiver Form here.
Mike Swann
user-1a794, Barb Seckler and Tonya Bartels and Unknown User (emmanuel.joseph@reliant.org), I am thinking we should take down the video, since it mentions the Health Choice options which are no longer options.
Tonya Bartels
That is a great idea. I don't know how to do that, but I agree
Sarah Swann
Mike asked me to delete the video. Ed can publish the changes.
Tonya Bartels
Great! Thank you Sarah Swann
Ashley Ramirez
This page was checked and revised for the 2023 Language Change Project on 7/5/23 -A.R.