Page History
Eligibility
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Reliant helps eligible employees insure against the potential catastrophic expense of major medical care as well as coverage for routine medical care by providing a group health plan. Full-time employees or those working 30 or more hours per week are eligible and required to participate in the group health plan unless they have a allowable waiver reason. Eligible employees are also able to enroll their eligible dependents. For information on adding a dependent - please see Adding a Dependent to Insurance. 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. |
Coverage and Rates
Please visit Medical Insurance Coverage and Rates.
| Medical Insurance Provider: | Guidestone | www.GuideStone.org | 1-888-98GUIDE |
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| Third Party Administrator: | Highmark Blue Cross Blue Shield | www.highmarkbcbs.com | 1-866-472-0924 |
Webinar
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Reliant Medical Plans are Health Saver Plans
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Health Saver
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Plans have a Aggregate Deductible
Please be aware, the deductible is "aggregate"; this means the whole deductible applies to the whole family. So couples and families have to meet the entire combined deductible before they receive any coverage of insurance. This applies to both medical visits and prescriptions. If an employee has coverage with one or more dependents, the employee AND his or her dependents must meet the plan's FULL family deductible before any claims will be paid for anyone in the family, and then the family maximum out-of-pocket applies.
Also, keep in mind if an employee has individual-only coverage, he or she must meet the individual deductible before any claims will be paid by Guidestone, and then an individual maximum out-of-pocket may apply before claims will be paid at 100% (depending on the HS plan).
Frequently Asked Questions
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| Yes. You can see more information about in-network providers on www.highmarkbcbs.com |
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| Yes. |
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| Yes. Any contributions to your HSA are yours to keep to use for qualified medical expenses even should you exit employment with Reliant. |
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| You can either pay out of pocket and reimburse yourself later with your HSA account funds, or you can ask to be put on a payment plan with your doctor using your HSA for the payment. |
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Yes. You'll want to be aware of annual IRS maximums so that you don't exceed the allowed annual maximum. |
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| Any medical expense that is actually a medical expense. These include doctor visits, prescriptions, dental costs, vision costs, birth control, and any care that is prescribed by a doctor (you'll want to keep the note from the doctor in your records). Ultimately, allowed expenditures are guided by IRS regulations. Here is one accounting firm's detailed list: https://tax.thomsonreuters.com/hcet-ebia/hmrk. Be aware that you will need to keep receipts of your expenditures for your tax records. |
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| Yes. See Filing a Reimbursement from your HSA for details about this process. |
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| For more HSA answers, see www.highmarkbcbs-hsa.com or Guidestone HSA FAQs. |
What Reliant staff are saying about the HS plans
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| “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 over 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 |
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| “The HSA payment card is super easy to use. Just like a debit card! Also, since we don’t have significant health-care 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 |
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| “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 |
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| “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 |
Webinar
For a thorough explanation of our Health Saver plans, download this PowerPoint presentation by Dave Meldrum-Green, Reliant's Director of Organizational Affairs & Treasurer. The PowerPoint was prepared back in 2016.
Enrollment form
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