1. R. Mark King, Treasurer/Benefits Officer
Health Benefits 2019
Mark & Dale
R. Mark King, Treasurer/Benefits Officer

2. 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

3. 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!

4. A Word About Insurance……
Premiums collected = Costs expended
PREMIUMS COLLECTED (August 2017-July 2018)=
$10,674,918
MEDICAL, DENTAL & RX CHARGES =
$12,534,733
______________
Difference= $1,859,815

5. A Word About Insurance……
Healthgram and PharmAvail- 3rd party administrators
Primary PhysicianCare- network
Stop-Loss provision
Tier 1: $250,000
Tier 2: $200,000

6. 2019 Active Health Plan Options
Each active clergy participant will have the choice between THREE 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)
HSA plan: High Deductible, no Co-pays or Co-insurance; WNCC seeds HSA
Select ONE plan; dependents must also be included in the same plan.
Increased Costs for 2019: Basic Plan 8%; Basic Plus Plan 10%

7. Medical Health Plan Option: Basic / Plus
Medical cost (in network) will be based on:
*Co-pays for primary physician
$30
$15
*Co-pays for specialty/urgent care visit
$50
$35
*Individual Deductible
$1,500
$1,000
*Family Deductible
$4,500
$3,000
*Coinsurance percentage
70%
80%
*Out-of-pocket limitation (individual)
$6,000
$4,000
*Out-of-pocket limitation (family)
$13,200
$12,000
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: HSA
Medical cost (in network) will be based on:
*Individual Deductible
$5,500
*Family Deductible
$10,000
*Coinsurance percentage 0%
*Out-of-pocket limitation (individual)
*Out-of-pocket limitation (family)
*Individual Contributions limit to HSA
$3,500
*Family Contributions limit to HSA
$7,000
*Over age 55 catch up
$1,000
*WNCC seeds
$400/$800/$1,200
Also discussion of what is included in out of pocket limitations (including copays in current year and pharmacy copays

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 $3,665 difference between costs of Basic vs. Basic Plus
HSA PLAN: Same premium as Basic Plan; Clergy premium costs determined by percentage of premium according to sliding scale salary range.
Church premium cost is SAME for ALL 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. MAXIMUM OUT OF POCKET- ALL PLANS (In Network)
BASIC PLAN: $6,000 (Individual); $13,200 (Family)
BASIC PLUS PLAN: $4,000 (Individual); $12,000 (Family)
HSA PLAN: $5,500 (Individual); $10,000 (Family)

11. 2019 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 2019 (seven 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

12. New Offerings

13. 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 $2,650 for 2018 (2019 maximum announced by IRS)
ACA allows $500 to rollover into 2019
Immediate availability of ALL funds
Use it or Lose it
DEPENDENT
Covers expenses for any type dependent care (children or adult)
Can contributed up to maximum of $5,000 for 2019
Funds ONLY available as accrued

14. How To Make Changes
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 and RE-Enrollment (FSA)
After Open Enrollment, changes only allowed by “qualifying events.”
FSA required new enrollment form
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!
For HSA seeding, must have HSA verification by January 31, 2019
Forms returned by December 1, 2018 for 2019