2024 Health Benefits Overview & Enrollment

I am pleased to provide you with these important details about The Episcopal Church Medical Trust (Medical Trust) 2024 health benefits offerings and Annual Enrollment. Please share this information with your employees.

 
Annual Enrollment will run from October 25 - November 15, 2023
 
For information about eligibility for the Episcopal Health Plan, the Small Employer Exception (SEE) Plan, and the Group Medicare Advantage Plan, refer to the Medical Trust Administrative Policy Manual.


Medical Plans
We will offer the following medical plans to our employees through the Medical Trust:

Anthem BCBS PPO 80
$1186 Single
$2135 Employee +1
$3321 Family


Anthem BCBS PPO 90
$1306 Single
$2351 Employee +1
$3657 Family


Anthem BCBS MSP PPO 80
$959 Single
$1726 Employee +1
$2685 Family

Anthem BCBS MSP PPO 90
$1057 Single
$1903 Employee +1
$2960 Family

Dental Plans Are Changing!
Delta Dental has the largest network of dentists nationwide and will be our new dental vendor for 2024.

Members will be able to access services in two Delta Dental dentist networks (PPO and Premier) or use out-of-network dentists. Their coinsurance, deductible, and maximum annual benefit will vary based on the network they use for a covered dental service. That puts your members in charge of making their money go further.
 
Learn more about what Delta Dental offers in the “Changes for 2024” section below.
 
We will offer the following Delta Dental plans through the Medical Trust:


Delta Dental Comprehensive
$54 Single
$97 Employee +1
$151 Family

Delta Dental Premium
$72 Single
$130 Employee +1
$202 Family

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.
  •  If the employee intends to have dental coverage through the Medical Trust in 2024, action is required. They must enroll with Delta Dental, our new vendor. Cigna Dental coverage is going away.
  • If the employee plans to maintain their current medical coverage, no action is required. 
  • If the employee’s current medical plan is not being offered next year, they will need to enroll in a new plan or they will not have Medical Trust coverage in 2024.

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 letter in a green envelope from the Medical Trust approximately one week before their Annual Enrollment period. This letter will include information about how to access the enrollment site and their Annual Enrollment dates. Please instruct them to save this letter. In your communications, please encourage your employees to begin reviewing their options and to research plans early. 
 
If an employee takes no action, and their current medical plan is offered for 2024, their medical plan selections will automatically carry over to 2024, and any applicable rate increases will apply.

Note: Members must actively enroll in a Delta Dental plan if they wish to have dental coverage through the Medical Trust. If members are currently enrolled  in a Cigna Dental plan through the Medical Trust, that coverage is going away on December 31, 2023. They must select a Delta Dental plan option for themselves and their dependents during Annual Enrollment for 2024.

 
 
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 letter mailing list is created will not receive an Annual Enrollment letter; however, they will be able to participate in the Medical Trust’s Annual Enrollment through MyCPG Accounts. Their plan selections will carry over into 2024 if they do not make a change during Annual Enrollment. If the employee wishes to make a change to their medical plan enrollment for 2024, if their plan is going away for 2024, or if they wish to enroll in Delta Dental coverage through the Medical Trust in 2024, they will need to log in to MyCPG Accounts or contact their group benefits administrator for assistance. Members may contact our Client Services team for assistance accessing their login credentials.
 
IMPORTANT REMINDER: Members will make their plan selections on MyCPG Accounts using the email address and password associated with their MyCPG Account. The Client ID number is no longer used to access the account. It is important for all members to create an account 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 [email protected].

 
Non-Participating Employees
Eligible employees and dependents who are not currently enrolled in a Medical Trust plan will not receive an Annual Enrollment letter but may enroll during Annual Enrollment for the 2024 plan year. The previous decision to decline coverage will carry over into 2024 if they do not enroll during Annual Enrollment. Please submit an enrollment form to me as this process must be handled by the group administrator.

Plan Documents
2024 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
 
New! Delta Dental Plans Offered in 2024
Please note that the Medical Trust is offering new dental plan options with Delta Dental in 2024. Details about the plans are available at cpg.org/deltadental.
 
Members must actively enroll in a Delta Dental plan if they wish to have dental coverage through the Medical Trust. Members currently enrolled in a Cigna dental plan offered by the Medical Trust will not have dental coverage if they do not actively participate in Annual Enrollment and select a Delta Dental plan option.
 
No Changes to Current Medical Plan Selections
Please note that there are no changes to our current medical plan options for the coming year. However, members are encouraged to verify their personal information, dependent coverage, and plan selections, and to make changes if necessary by logging in to MyCPG Accounts during Annual Enrollment. It is important for all members to create an account at cpg.org/mycpg prior to Annual Enrollment if they have not already done so.
 
Employee Assistance Program (EAP) with Cigna Behavioral Health 
In addition to the health plans, we offer a stand-alone EAP with Cigna Behavioral Health that you and your related entities may offer to employees who opt out of medical coverage. (Employees who enroll in Medical Trust health coverage are automatically enrolled in Cigna EAP benefits.)
 


Sincerely,

The Rev. Meaghan J. Keegan
Director of Administration
518-692-3350 x 520







Footnotes
 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.