Page History
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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.
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Coverage, Rates, and Plan Details
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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. 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.
Health Saver Plans have an 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.
Non-embedded vs Embedded Deductible
HS2000 and HS3000 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 an non-embedded deductible.
HS5000 plan - Deductible for individual coverage
This is the amount an individual is required to pay before benefits begin for services not covered by co-pays. Once this amount is met, the plan will begin paying claims for that individual at the coinsurance level.
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.Also, keep in mind if an employee has individual-only coverage, he or she must meet the individual deductible before GuideStone will pay any claims, and then an individual maximum out-of-pocket may apply before claims will be paid at 100% (depending on the HS plan).
Health Saver Plans are Paired with a Health Savings Account
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