| Medical Plan Provider: | Guidestone | www.GuideStone.org | 1-888-98GUIDE |
|---|
$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 family deductible applies to the entire family. Even if one member of the family meets the $1500 claim amount, you still have to meet the entire $3000 deductible before in-network claims are paid at 90 percent. |
The plan will also include a monthly Reliant employer contribution to your personal Health Savings Account. All missionaries enrolled in the HS 1500 (HSA) will also need to submit a Cafeteria Plan Enrollment Form. See also Cafeteria Plan Memo.
$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.
The family deductible applies to the entire family. Even if one member of the family meets the $3,000 claim amount, you still have to meet the entire $6,000 deductible before in-network claims are paid at 100 percent. |
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.
$2,000/$4,000 deductible- A higher deductible plan with higher potential out-of-pocket expenses but the lowest monthly premiums.
$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.
Click on the plan title links above to see GuideStone Summary of Benefits & Coverages. |
Effective January 1, 2016
*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.
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.