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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 an allowable waiver reason. Eligible employees are also able to enroll their eligible dependents (. 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.
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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. There are some aspects of HS plans that are different from traditional Preferred Provider Plans (PPOs). HS plans are designed to be paired with a personal personal HSA - Health Savings Account (HSA) bank account, allowing the employee to save funds each month for medical expenses. The Health Saver plans do not have co-pays for doctor visits or co-pays and discounts for prescriptions drugs. Participants pay 100 percent of medical and prescription drug claims until they've reached 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 missionaries. HSA plans will also have an Employer HSA Contribution in addition to the plan premium.
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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.
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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)
- Preventative Care Schedule - GuideStone (PDF)
- Medical Insurance - Waiver Form - GuideStone (PDF)
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