Table of Contents
2018 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.
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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.
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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.
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Other resources |
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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. |
2018 Monthly Premium Rates
Effective January 1, 2018
Plan type |
Employee only | Employee +
spouse or child(ren) |
Family |
|---|
| HS 1500 (HSA)* | $485.61 | $1,068.34 | $1,456.83 |
| HS 3000 (HSA)* | $404.56 | $890.03 | $1,213.68 |
| HS 5000 (HSA)* | $343.09 | $754.80 | $1,029.27 |
*HSA plans will also have an Employer HSA Contribution in addition to the above premium.
2018 Employer HSA Contributions
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 accounts 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.
Contribution Levels for 2018
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 | $495.61 |
Employee + Spouse
or child(ren) | $50 | $25 | $75 | $1,143.34 |
| Family | $75 | $50 | $125 | $1,581.83 |
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 | $454.56 |
Employee + Spouse
or child(ren) | $50 | $75 | $125 | $1,015.03 |
| Family | $75 | $100 | $175 | $1,388.68 |
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 | $393.09 |
Employee + Spouse
or child(ren) | $50 | $75 | $125 | $879.80 |
| Family | $75 | $100 | $175 | $1,204.27 |
Enrollment Form
* This video mentions a What You Need to Know document, which is no longer available.