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

Table of Contents

2017 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 and the participant covers the remaining 10% up to the out-of-pocket maximums of $3,000/$6,000 (single/family). This plan will include a monthly Reliant employer contribution to your personal Health Savings Account that includes funding from both non-MTD Reliant funds and from the MTD account for which you are responsible. See chart below.

  • The family deductible applies to the entire family. Even if one member of the family meets the $1,500 claim amount, you still have to meet the entire $3,000 deductible before in-network claims are paid at 90 percent.

Other resources

$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 expenses are covered at 90% by the insurance plan and the participant covers the remaining 10% up to the out-of-pocket maximums $6,000/$12,000 (single/family). This plan will include a monthly Reliant employer contribution to your personal Health Savings Account that includes funding from both non-MTD Reliant funds and from the MTD account for which you are responsible. See chart below.

 

  • 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 90 percent.

Other resources

$5,000/$10,000 deductible — An HSA Compatible plan where participants must first meet the full $5,000/$10,000 deductible (individual/family). After that any expenses are covered at 100% by the insurance plan. This plan will include a monthly Reliant employer contribution to your personal Health Savings Account that includes funding from both non-MTD Reliant funds and from the MTD account for which you are responsible. See chart below.

 

  • The family deductible applies to the entire family. Even if one member of the family meets the $5,000 claim amount, you still have to meet the entire $10,000 deductible before in-network claims are paid at 100 percent for the family. Any individual has a limit $7,150 for maximum out-of-pocket expenses according to ACA guidelines. This individual maximum is honored if someone hits that maximum before the full family deductible is met.

Other resources

(This plan is frozen for 2017, meaning no new entrants will be allowed except for those who were enrolled in 2016 in the HC2000 Plan (before the October 14, 2016 Open Enrollment period began). The plan will be phased out completely in 2018.)

$2,000/$4,000 deductible — A higher-deductible, traditional plan where the deductible must first be met. Then there is a standard 80%/20% coinsurance up to the maximum out-of-pocket of $6,950/$11,000 (individual/family). This plan also has co-pays for doctors/specialists visits and prescriptions.

Other resources

Guidestone has two resources that can help you choose between plans:

Guidestone also offers a telemedicine service included in each of these plans. See TeleMedicine for more information.

2017 Monthly Premium Rates

Effective January 1, 2017


Plan type
Employee only		Employee +
spouse or child(ren)
Family
HS 1500 (HSA)*$457.70$1,006.94$1,373.10
HS 3000 (HSA)*$381.31$838.88$1,143.93
HS 5000 (HSA)*$323.37$711.41$970.11
HC 2000$415.89$914.96$1,247.67

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

2017 Employer HSA Contributions

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

Contribution Levels for 2017

HSA 1500
Plan 

Base-Level ER contribution
from non-MTD funds		Remaining ER contribution
charged to MTD accounts		Total Reliant employer
HSA contribution		Total charge to MTD account,
including premium
Employee$25$10$35$467.70
Employee + Spouse
or child(ren) 		$50$25$75$1,031.94
Family$75$50$125$1,423.10

HSA 3000
Plan 

Base-Level ER contribution
from non-MTD funds		Remaining ER contribution
charged to MTD accounts		Total Reliant employer
HSA contribution		Total charge to MTD account,
including premium
Employee$25$25$50$406.31
Employee + Spouse
or child(ren) 		$50$75$125$913.88
Family$75$100$175$1,243.93

HSA 5000
Plan 

Base-Level ER contribution
from non-MTD funds		Remaining ER contribution
charged to MTD accounts		Total Reliant employer
HSA contribution		Total charge to MTD account,
including premium
Employee$25$25$50$348.37
Employee + Spouse
or child(ren) 		$50$75$125$786.41
Family$75$100$175$1,070.11

Enrollment Form

* This video mentions a What You Need to Know document, which is no longer available.