Medical costs
Your medical coverage costs depend on several factors, including which coverage level you choose and how much your employer contributes to the cost.
Monthly cost of coverage
When you elect medical coverage, the monthly cost of coverage is expressed in flat dollar amounts by coverage level: Member-only, Member + Spouse, Member + Child(ren), or Member + Family.
- Employers are required to pay at least 50% of the cost of Member-only coverage for the lowest-cost option (PPO, EPO, and/or HDHP) they offer.
- You may be asked to pay the difference between the minimum employer contribution and the cost of that option and/or any other option available to you, and up to 100% of the incremental cost of coverage for eligible family members.
Congregational Pastors Package
If you’re enrolled in the Congregational Pastors Package, Member-only PPO medical coverage is included at no cost to you. Your employer pays the full cost.
Medical coverage for spouses and children may be offered and your employer may choose to pay all, some, or none of the cost.
Transitional Pastor’s Participation
If you’re a minister enrolled in Transitional Pastor’s Participation, full family PPO medical coverage is included at no cost to you. Your employer pays the full cost.
Cost of care
In addition to the monthly cost of coverage, you share in the cost of medical care and treatment you receive through deductibles, copays, and coinsurance, which differ under each option. For more information, see Medical Plan Highlights 2024/2025 for your medical option (PPO, EPO, or HDHP).