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...

After the out of pocket maximum is met, then ALL the in-network claims are covered at 100 percent by the insurance plan. 

The plan will also include a monthly Reliant employer contribution to your personal Health Savings Account (see chart above). All missionaries enrolled in the HS 1500 (HSA) will also need to submit a Cafeteria Plan Enrollment Form.  See also Cafeteria Plan Memo.

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. 

This plan will also include a monthly Reliant employer contribution to your personal Health Savings Account (see chart above).   All missionaries enrolled in the HS 3000 (HSA)  will also need to submit a Cafeteria Plan Enrollment Form.  See also Cafeteria Plan Memo.

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.

Please remember that the Plan always Preventative Care is paid at 100 percent when given by a in-network provider.  See 2016 GuideStone's Preventative Care Schedule. 

2016 Monthly Premium Rates

Effective January 1, 2016

Image Removed

*Rates only include the portion of the HSA employer contribution which will come out of the MTD accounts for which Reliantn missionaries are responsible for.  The Base Level HSA employer contribution wiill come from NON-MTD funds (see chart below).  Both portions will be depositied into an HSA spending account for missionaries who have chosen the Health Saver 1500 or 3000 medical plan.  All Reliant contributions will come out of the MTD accounts for which staff are responsible.

*HSA plans will also have an employer HSA contribution in addition to the above premium. 

The GuideStone HS Plan (HSA) offerings are growing more popular because they allow you to fund your medical expenses from your own personal tax-free Health Savings Account.  

Employer HSA Contributions for 2016

There will be two funding sources for Reliant employer contributions to personal Health Savings Accounts. 

• 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. 

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

Image Removed

Telemedicine Service:

Medical Plan Options

Enrollment Form

To request an Enrollment Form, please email benefits@reliant.org 

Adding Dependents

For more information on adding a dependent to coverage, see Adding a Dependent to Insurance.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.