1. Health Benefits & FSAs 2017 R. Mark King, Treasurer/Benefits Officer
Mark & Dale
R. Mark King, Treasurer/Benefits Officer
& Dale Bryant, Benefits Administrator

2. Health Benefits

3. A Word About Insurance……
Role of Insurance:
PREVENTS CATASTROPHIC LOSS
Original Idea: Pooling of resources to prevent/share in losses
Ancient Babylonians & Chinese
Lloyd’s of London
American Approach

4. A Word About Insurance……
Acts 2: 42ff
Acts 4: 32ff
All the believers were one in heart and mind…sharing everything they had.
Spirit of our Self-Funded Plan
WE ARE THE INSURANCE COMPANY!

5. A Word About Insurance……
Premiums collected = Costs expended
Healthgram and PharmAvail- 3rd party administrators
Primary PhysicianCare- network
Stop-Loss provision
Tier 1: $330,000
Tier 2: $160,000

6. 2017 Active Health Plan Options
Each active clergy participant will have the choice between TWO PLANS:
Basic plan: Same covered services; lower premium; Higher out-of-pocket costs (deductibles, co-pays, co-insurance)
Basic plus plan: Same covered services; higher premium; Lower out of-pocket costs (deductibles, co-pays, co-insurance)
Select ONE plan; dependents must also be included in the same plan.
Increased Costs for 2017: Basic Plan 5%; Basic Plus Plan 7%
No change to dependent premium.
Dale

7. Medical Health Plan Option: Basic
Medical costs (in network) will be based on:
Co-pays for primary physician $30
Co-pays for specialty/urgent care visit $40
Individual deductible $1,500
Family deductible $4,500
Coinsurance percentage %
Out-of-pocket limitations (individual) $6,000
Out-of-pocket limitations (family) $13,200
Some of the basic pieces of the plan. Note that family out-of-pocket limitations are lower than provided at Annual Conference due to IRS maximum allowed.
Also discussion of what is included in out of pocket limitations (including copays in current year and pharmacy copays

8. Medical Health Plan Option: Basic Plus
Medical costs (in network) will be based on:
Co-pays for primary physician $15
Co-pays for specialty/urgent care visit $25
Individual deductible $1,000
Family deductible $3,000
Coinsurance percentage %
Out-of-pocket limitations (individual) $4,000
Out-of-pocket limitations (family) $12,000

9. Participant’s/Employer’s Contribution under Plans
BASIC PLAN: Clergy premium costs determined by percentage of premium according to sliding scale salary range.
BASIC PLUS PLAN: Same base premium as BASIC PLAN plus $2,619 difference between costs of two plans
Church premium cost is SAME for both plans less the clergy contribution.
Now we focus on the handout for the premiums…..shows the sliding scales for all salary ranges, with annual and monthly costs. Also, spouse, dependent, and family coverages at the bottom. NOTE TO AUDIENCE…..child coverages includes as many children as you have, 1 or 12!!!
Church pays the same amount within the appropriate salary range NO MATTER WHICH PLAN IS SELECTED! Church portion is based on basic plan as differential between two is 100% allocated to the pastor.

10. Additional Information
Conference Wellness Initiative
Affordable Care Act provisions
Dental & Vision
Dale?

11. 2017 Retiree Health Plan
Retiree clergy over 65 participate in a Medicare Supplement Plan
Premiums based on qualified years of service in WNCC
No Cost Increase for 2017 (five years running!)
Medical only; no pharmaceutical; no dental
Retiree clergy under 65 participate in one of the Active Plans
Retiree pays 100% of premium unless appointed ¾ or more
Dale

12. How Make Changes DUE TO CONFERENCE OFFICE BY DECEMBER 1, 2016 for 2017
IF NO CHANGE ELECTION FROM ONE PLAN TO OTHER, no need to do anything!
IF CHANGE IN CHOICE OF PLAN OR PERSONAL/DEPENDENT INFORMATION:
Forms are provided from Healthgram for Open Enrollment
Complete with your name, address, and phone number.
Select the plan in which you want to enroll
Complete the middle section for spouse and all dependents, including birth dates and social security numbers, who will be enrolled.
After Open Enrollment, changes only allowed by “qualifying events.”
DUE TO CONFERENCE OFFICE BY DECEMBER 1, 2016 for 2017
All about Dale…….
Have I forgotten anything specific or important to mention in this slide?

13. Flexible Spending Arrangements (Accounts)
Mark

14. Flexible Spending Arrangements
WNCC Section 125 Plan ONLY
MEDICAL
Covers out-of-pocket for allowable medical expenses (co-pays, deductibles, co- insurance)
Can contributed up to maximum of $2,550 for 2017
ACA allows $500 to rollover into 2018
Immediate availability of ALL funds
Use it or Lose it

15. Flexible Spending Arrangements
WNCC Section 125 Plan ONLY
DEPENDENT
Covers expenses for any type dependent care (children or adult)
Can contributed up to maximum of $5,000 for 2017
Use it or Lose it
Funds ONLY available as accrued

16. How To Enroll / Make Changes (FSAs)
New Year Enrollment Required (not automatic)
Forms are provided from Healthgram for re-enrollment of ALL participants.
Complete name, address, phone number and other personal information requested.
Select which coverage and the corresponding amounts.
Complete the middle section for spouse and eligible dependents
SIGN AND DATE!
Forms returned by December 1, 2016 for 2017
After Open Enrollment, changes only allowed by “qualifying events.”
Dale

17. When To Complete Forms? Where To Send Forms?
All forms need to be completed prior to December 1.
Please write legibly!!
Submit completed forms with original signatures to Dale Bryant, Benefit Administrator, at the Conference office for us to receive no later than December 1, 2016!
Western NC Conference
PO Box 18005
Charlotte, NC
Questions:
x 177
Are the dates right

18. It’s a lot of information…..
Q & A
Mark & Dale