2016 Medical Plan Options

Health Saver 1500 (HSA)

$1,500/$3,000 deductible- An HSA Compatible plan where participants must first meet the full $1,500/$3,000 deductible (individual/family), after that any expenses are covered at 90 percent by the insurance plan up to the out of pocket maximums of $3,000/$6,000 (single/family).  After this out of pocket maximum is met, then ALL in-network claims are covered at 100 percent by the insurance plan.  But you will continue to pay a 10% Co-pay on all in-networks claims after you met the initial $1,500/$3,000 deductible...until you reach the out of pocket maximum of $3,000/$6,000...

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Health Saver 3000 (HSA)

$3,000/$6,000 deductible- An HSA Compatible plan where participants must first meet the full $3,000/$6,000 deductible (individual/family), after that ALL in-network claims are covered at 100 percent by the insurance plan. 

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Health Choice 2000

$2,000/$4,000 deductible- A higher deductible plan with higher potential out-of-pocket expenses but the lowest monthly premiums.  

Health Choice 5000

$5,000/$10,000 deductible- A very high deductible plan with the highest out-of-pocket expenses but the lowest monthly premiums. This traditional PPO health plan offering is very similar to the HC 2000, but mainly with a higher deductible to meet.

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2016 Monthly Premium Rates

Effective January 1, 2016

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• First, there will be a Base-Level portion of the employer contribution (to all personal HSA accounts) that will be funded from non-MTD funds.  So missionary MTD accoutns will not be charged for the Base-Level portion of the contribution as in the past. 
• Second, the remaining portion of the Reliant employer contribution will be charged to MTD accounts (as in the past).  Remember, these entire employer contributions (regardless of the source) can be used to help pay for your present and future qualified medical expenses.  And they are yours to keep, even if they build up in your HSA and you don't use them right away for your current medical claims. 

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Employer HSA Contributions Employer HSA Contributions

Here are the HSA employer (ER) contribution levels (and contribution source portions) for both HSA Plans for 2016:

Telemedicine Service:

Beginning in 2016, GuideStone will offer a new feature of Telemedicine.  All Participants will now have access to Teladoc, a 24/7 telephone and online video service offering non-emergency consultations with U.S. Board-certificed doctors.  There will be a $10 co-pay for PPO plan participants.  Health Saver (HSA) participants will pay the full $40 consultation until they have met their applicable deductibles.  Afterwards their consultation will be covered at the coinsurnace level.  This service is not intended to replace your relationship with a primary care physician.