TO: Wardens. Parish Administrators, Rectors, Priests-in-Charge
FROM: The Rev. Meaghan Keegan, Communications and Business Officer
RE: 2022 Health Benefits Overview
I am pleased to provide you with these important details about The Episcopal Church Medical Trust (Medical Trust) 2022 health benefits offerings and Annual Enrollment.
Effective January 1, 2022, the Medical Trust will simplify the Episcopal Health Plan (EHP) eligibility criteria by eliminating the exempt/non-exempt status criteria and will move to an hours-based eligibility criteria for active employees. An employee will be eligible to enroll in the EHP, regardless of whether they are an exempt or non-exempt employee, if they are normally scheduled to work 1,000 or more compensated hours per plan year.(1)
This distinction has been a source of confusion about who qualifies as an exempt employee and has raised concerns about compliance with the Medicare Secondary Payer rules. Post-65 clergy who retired under the Clergy Pension Plan and who are no longer eligible for EHP coverage because they work less than 1,000 hours a year may now enroll in the Medical Trust retiree plan and receive their post-retirement medical subsidy, if eligible. (2)
We will offer the following medical plans to our employees through the Medical Trust:
Annual Enrollment for 2022 will run from October 27 to November 17.
Anthem BCBS PPO 80
$1906 Employee +1
Anthem BCBS PPO 90
$2099 Employee +1
Anthem BCBS MSP PPO 80
$1541 Employee +1
Anthem BCBS MSP PPO 90
$1699 Employee +1
We will offer the following Cigna dental plans through the Medical Trust:
$97 Employee +1
Dental & Orthodontic
$130 Employee +1
What You Need to Know About Annual Enrollment
During the Medical Trust’s Annual Enrollment period:
· Current plan members may change their plan selections for the following year.
· Eligible non-participating employees have the option to enroll in a Medical Trust plan.
· Eligible dependents may be added or removed from a member’s plan without the need to demonstrate a qualifying event.
· Ineligible employees’ coverage should be terminated.
Currently Enrolled Employees
Currently enrolled employees (plan members) will receive an Annual Enrollment brochure in a green envelope from the Medical Trust approximately one week before their Annual Enrollment period. This brochure will include their Client ID number, which they’ll need to enroll. Please instruct them to save this brochure. It also includes their Annual Enrollment dates, a checklist, what’s changing for 2022, benefit reminders, and how to enroll. In your communications, please encourage your employees to begin reviewing their options and to research plans early.
New Hires After Annual Enrollment Begins
New hires and other employees who enroll in a Medical Trust plan for the first time after the Annual Enrollment user list is created will not receive an Annual Enrollment brochure and they will not participate in the Medical Trust’s Annual Enrollment. Their plan selections will carry over into 2022. If the employee wishes to make a change to their plan enrollment for 2022, or if their plan is going away for 2022, they will need to contact their group benefits administrator for assistance.
Members will access the Annual Enrollment website with the same credentials (username and password) they created to access their benefits information on MyCPG Accounts
. It is important for all members to create an account on MyCPG Accounts prior to Annual Enrollment, if they have not already done so. For assistance, employees may contact CPG Client Services at (800) 480-9967, Monday to Friday, 8:30 AM to 8:00 PM ET, or email firstname.lastname@example.org
Eligible employees and dependents who are not currently enrolled in a Medical Trust plan may enroll during Annual Enrollment for the 2022 plan year. Please submit an enrollment form to me as this process must be handled by the plan administrator.
2022 Summaries of Benefits and Coverage and Plan Document Handbooks containing plan details may be found on the Church Pension Group website at www.cpg.org/mtdocs
No Changes to Current Plan Selections
Please note that there are no changes to our current plan options for the coming year. However, members are encouraged to go online during Annual Enrollment to verify their demographic information, dependent coverage, and plan selections, and to make changes if necessary.
If you have any questions, please don’t hesitate to contact me.
The Rev. Meaghan J. Keegan
518-692-3350 / email@example.com
1.One thousand (1,000) or more scheduled compensated hours per plan year is the Medical Trust’s minimum hours requirement. Some employers may elect to impose a higher hours threshold for its employees to qualify for active health benefits under the EHP. For institutions under the Denominational Health Plan rules, for any cleric or lay employee working more than 1,500 compensated hours per year (and meeting all other eligibility requirements), the institution shall make available Medical Trust health benefits, including premium payments, to those eligible clerics and lay employees.
2.If an employee is no longer eligible to participate in the plan effective January 1, 2022, as a result of the change in our eligibility rules, they may voluntarily continue medical and/or dental coverage on their own for up to 36 months commencing on January 1, 2022, through the Medical Trust’s Extension of Benefits provision.
This material is provided for informational purposes only and should not be viewed as investment, tax, or other advice. It does not constitute a contract or an offer for any products or services. In the event of a conflict between this material and the official plan documents or insurance policies, any official plan documents or insurance policies will govern. The Church Pension Fund (“CPF”) and its affiliates (collectively, “CPG”) retain the right to amend, terminate, or modify the terms of any benefit plan and/or insurance policy described in this material at any time, for any reason, and, unless otherwise required by applicable law, without notice.
Church Pension Group Services Corporation (“CPGSC”), doing business as The Episcopal Church Medical Trust, maintains a series of health and welfare plans (the “Plans”) for eligible employees (and their eligible dependents) of the Episcopal Church (the “Church”). The Medical Trust serves only eligible Episcopal employers. The Plans that are self-funded are funded by the Episcopal Church Clergy and Employees’ Benefit Trust, a voluntary employees’ beneficiary association within the meaning of section 501(c)(9) of the Internal Revenue Code.
The Plans are church plans within the meaning of section 3(33) of the Employee Retirement Income Security Act of 1974, as amended, and section 414(e) of the Internal Revenue Code. Not all Plans are available in all areas of the United States or outside the United States, and not all Plans are available on both a self-funded and fully insured basis. Additionally, the Plan may be exempt from federal and state laws that may otherwise apply to health insurance arrangements. The Plans do not cover all healthcare expenses, so members should read the official Plan documents carefully to determine which benefits are covered, as well as any applicable exclusions, limitations, and procedures.