Provider:Guidestonewww.GuideStone.org1-888-98GUIDE

2016 Medical Plan Options

$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. See rates below. 

Summary of Benefits & Coverage

Forms to complete

Other documents

$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.

The plan will also include a monthly Reliant employer contribution to your personal Health Savings Account. See rates below.

Summary of Benefits & Coverage

Forms to complete

Other documents

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

Summary of Benefits & Coverage

Forms to complete

Other documents

$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 the HC5000 has a higher deductible to meet.

Summary of Benefits & Coverage

Forms to complete

Other documents

2016 Monthly Premium Rates

Effective January 1, 2016


Plan type
Employee only		Employee +
spouse or child(ren)
Family
HS 1500 (HSA)*$430.17$946.37$1,291.51
HS 3000 (HSA)*$358.37$788.41$1,075.11
HC 2000$390.87$859.91$1,172.61
HC 5000$319.84$703.65$959.52

 

*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. 

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-certified 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 coinsurance level.  This service is not intended to replace your relationship with a primary care physician.