Benefits

Enrollment Eligibility

An employee is eligible for medical and dental insurance if the employee is an EXEMPT employee OR a NON-EXEMPT employee scheduled to work 1,000 hours or more per year (roughly 20 hours per week). An employee is eligible for group life and disability insurance if the employee is scheduled to work 1,000 hours or more per year (roughly 20 hours per week).

Medical Benefits

Medical Benefits

2021 Medical Plan Summaries can be found online on the Church Pension Group website as well as below.

2021 Medical Plan Comparison Chart

Anthem Health Plan Summaries

Active Plans:

Active (65+) Plans:

Cigna Health Plan Summaries

Active Plans:

Active (65+) Plans:

Kaiser Health Plan Summaries

Active Plans:

Employee Assistance Program:

The Employee Assistance Program (EAP) is a free, confidential, 24-hour service that connects you with counselors to help you with immediate health needs and with assistance for therapy referrals, tips for balancing your personal and professional life, legal consultations, financial services and much more.

Included with enrollment in any medical plan, or if no medical plan is chosen, EAP can be purchased separately for $4 per month; learn more here.

Phone: (866) 395-7794 (members)
(800) 926-2273 (for pre-membership information)
24 hours a day, seven days a week

Dental Benefits

2021 Dental Plan Summaries can be found online on the Church Pension Group website as well as below.

2021 Dental Plan Comparison Chart

Cigna Dental Plan Summaries

Prescription (Rx) Benefits:

2021 Prescription Rx Plan Comparison Chart

Included with enrollment in any medical plan, except Kaiser, as Kaiser has their own prescription plan. Learn more here.

Mental Health/Substance Abuse:

You will have access to an integrated behavioral health program that includes mental health, substance abuse, and employee assistance program benefits. This plan also offers coverage for clergy colleague group facilitators. Included with enrollment in any medical plan; learn more here.

Vision: EyeMed:

Here is the 2021 Vision Benefit Chart. Included with enrollment in any medical plan; learn more here.

Hearing Benefits:

Amplifon Hearing Health Care provides access to a network of providers, hearing aid services, and supplies at discounted rates.

Health Advocate:

A free, confidential service that can reduce some of the stress and confusion of navigating the healthcare system by helping you understand your diagnoses, secure second opinions, manage health benefit claims and more. Included with enrollment in any medical plan; learn more here.

Phone: (866) 695-8622
24 hours a day, 7 days a week
Monday – Friday, 8:00AM to 9:00PM ET

Travel Medical Assistance:

UnitedHealthcare Global Assistance (Formerly known as FrontierMEDEX) provides emergency medical and travel assistance for the Medical Trust plan members traveling at least 100 miles from home, either in the U.S. or abroad. Included with enrollment in any medical plan; learn more here.

COVID-19 CPG Resources

COVID-19 Resources

The Church Pension Group (CPG) Coronavirus Message is available here.

The Temporary Waiver of Clergy Assessments Following Disaster is available here.

For more COVID-19 resources from CPG click here.

Evaluation and testing for COVID-19

Beginning March 1, 2020, the Medical Trust waived all member co-payments, deductibles, and coinsurance for healthcare services relating to the evaluation and testing for COVID-19 through December 31, 2020. This provision has been extended through December 31, 2021. Additionally, the Medical Trust waived active member co-payments, deductibles, and in-network coinsurance for healthcare services relating to the treatment of COVID-19 through December 31, 2020. This provision has also been extended through December 31, 2021.

Vendor Telehealth Platforms and Virtual Visits

The Medical Trust has waived member cost shares for services received through our vendor partners’ telehealth platforms. The Medical Trust also removed plan exclusions to allow virtual visits with members’ personal healthcare providers to be covered at the usual in-person office visit cost share. Both of these provisions will continue at least through December 31, 2021.

How to Access Telehealth:

Use a computer or mobile device to have a virtual visit with board-certified doctors and pediatricians who can diagnose, treat and prescribe most medications for minor medical conditions and common health concerns.

Telehealthine is available for members participating in Anthem, Cigna, and Kaiser plans.

Express Scripts Temporary Limited Out-of-Network Delivery Exception

Express Scripts granted CVS and Walgreens (via its Walgreens Express™ delivery program) a temporary limited out-of-network delivery exception, which permits free home delivery of prescriptions to our Express Scripts members that would otherwise be prohibited. Express Scripts is monitoring the coronavirus landscape and will notify members who have utilized this delivery exception in advance if this exception is discontinued.

Retiree Insurance Information

Retiree Insurance Information

Church Pension Group

Please contact the Church Pension Group and the Episcopal Church Medical Trust directly as you approach age 65 (regardless of whether or not you plan to retire). To ensure sufficient time for transitions, please contact Church Pension Group when you are three months away from retirement.

Forms to submit to benefits@norcalepiscopal.org:

2021 Benefit Termination Form

Church Pension Group: 1-866-802-6333
For Pension, Retirement Plans & Individual Life Insurance

Episcopal Church Medical Trust: 1-800-480-9967
For Medical, Dental, & Group Life/Disability

Social Security Administration
The Social Security Administration provides information about applying for Medicare (both online and on paper).

Retirement Planning Resources from the Church Pension Group
CPG: Planning for Retirement Overview for Active Clergy – click here

CPG: Planning for Retirement Overview for Active Lay Employees – click here

Consumer-Directed Health Plans

Consumer-Directed Health Plans

In 2015, the diocese introduced a High Deductible Health Plan (HDHP) with subsequent Health Savings Account (HSA) in the array of medical plans available. Going forward, these plans will be referred to as Consumer-Directed Health Plan /Health Savings Account (CDHP/HSA). This type of medical plan is structured very differently than the other types of plans. CDHP/HSA coverage consists of two parts:

A traditional health plan that promotes preventive care and protects members against catastrophic healthcare expenses (Consumer-Directed Health Plan)
A tax-advantaged savings/reimbursement account (HSA) that allows members to take control of their day-to-day health care costs. Click here to learn more.

Due, in part, to the higher deductible, this type of plan structure results in a lower monthly premium. To allow employees the opportunity to choose the best medical plan for themselves and their dependent(s) due to plan structure and not merely premium cost, the diocesan policy for premium cost-share between employee and employer was altered slightly in 2015:

Employers must pay a minimum of 80% of the monthly premium of the lowest cost plan (not including the cost of the Anthem BCBS CDHP-15/HSA and Kaiser CDHP-20/HSA) at the “Single” coverage level tier for both medical and dental plans for all eligible full-time employees. This amount must also be pro-rated for all eligible part-time employees. Employers may choose to pay more than this minimum amount, as long as they maintain parity in what is paid for clergy employees and lay employees.

If an employee chooses to enroll in the CDHP/HSA, the employer would be required to pay a minimum of 80% of the monthly premium at the “Single” coverage level tier. The difference between this amount and the amount the employer would pay if the employee enrolled in the lowest cost standard plan (Anthem BCBS BlueCard PPO 80) will be contributed by the employer to the employee’s HSA (Health Savings Account). The HSA is a tax-advantaged savings/reimbursement account that members can use to pay their deductible for their medical needs. Therefore, regardless of which plan the employee chooses to enroll in, the employer is required to pay the same amount annually.

If you have any questions regarding this policy, please contact benefits@norcalepiscopal.org.

Plan Contact Information

Plan Contact Information

The Episcopal Church Medical Trust
Cpg.org
Phone: (800) 480-9967
Monday through Friday, 8:30AM – 8:00PM ET (excluding holidays)
Fax: (877) 4-FAX-CPG (432-9274)

Anthem BCBS (medical and behavioral)
Anthem.com
Phone: (844) 812-9207
Monday – Friday, 9:00AM – 8:00PM ET

Cigna (medical, behavioral and dental)
myCigna.com
Phone: (800) 244-6224
24 hours a day, 7 days a week

Kaiser Permanente
kp.org
Northern California: (800) 663-1771
TTY: (877) 870-0283
Monday – Friday, 7:00AM – 9:00PM ET

Express Scripts Prescription Drug Benefits
express-scripts.com
Phone: (800) 841-3361
24 hours a day, 7 days a week
(except Thanksgiving and Christmas)

EyeMed Vision Care
eyemedvisioncare.com
Phone: (866) 723-0513 (members)
(866) 723-0596 (pre-enrollment)
Monday – Saturday, 8:00AM – 11:00PM ET
Sunday 11:00AM – 8:00PM ET

Cigna EAP
myCigna.com
Phone: (866) 395-7794 (members)
(800) 926-2273 (for pre-membership information)
24 hours a day, seven days a week

Health Advocate
HealthAdvocate.com
Phone: (866) 695-8622
24 hours a day, seven days a week
Business hours are 8:00AM – 9:00PM ET

UnitedHealthcare Global Assistance
United Healthcare Global Assistance
Phone: (800) 527-0218 (from U.S., Canada, Puerto Rico, Virgin Islands and Bermuda)
(410) 453-6300 (from all other locations, call collect)
24 hours a day, seven days a week

Health Equity (HSA services for some members in CDHP plans)
healthequity.com
Phone: (877) 713-7712
24 hours a day, 7 days a week

2021 Annual Enrollment

Active Employee Enrollment Period: October 28 – November 18, 2020
Pre-65 Retiree Enrollment Period: October 28 – November 18, 2020
Post-65 Retiree Enrollment Period: October 15 – December 7, 2020

Active Employees – Enrollment Info

Retired Employees – Enrollment Info

Online Enrollment – Step By Step Instructions

If you need assistance, please contact benefits@norcalepiscopal.org.

If you do not actively re-enroll in a health plan by the deadlines above, and your current plan is still available for 2021, you will automatically be re-enrolled in the same plan with the same coverage tier.

Active Employee Enrollment

Active Employees

Enrollment Period: October 28 – November 18, 2020

Annual Enrollment is the time of year when employees can enroll in a healthcare plan and/or make changes to their healthcare coverage for the upcoming year. All eligible employees currently enrolled in a medical or dental plan should receive an Annual Enrollment package mailed from Church Pension Group to their address.

All eligible employees NOT currently enrolled in either a medical or a dental plan will not receive an Annual Enrollment package from Church Pension Group. However, you can find relevant information needed to participate in Annual Enrollment below. If you wish to enroll in a medical and/or dental plan with coverage beginning January 1, 2021, please complete all sections of the 2021 Employee Enrollment Form providing the appropriate signatures and send to the Office of the Bishop (postmarked by November 18, 2020):

The Episcopal Diocese of Northern California
350 University Avenue, Suite 280
Sacramento, California 95825
Attn: Annual Enrollment

Fax: 916-442-6927

Additional Resources:

Retiree Enrollment

Retirees

Pre-65 Retiree Enrollment Period: October 28 – November 18, 2020
Post-65 Retiree Enrollment Period: October 15 – December 7, 2020*

Annual Enrollment is the time of year when employees can enroll in a healthcare plan and/or make changes to their healthcare coverage for the upcoming year. All eligible retirees currently enrolled in a medical or dental plan should receive an Annual Enrollment package mailed from Church Pension Group to their address.

All eligible retirees currently NOT enrolled in either a medical or a dental plan will not receive an Annual Enrollment package from Church Pension Group. However, if you would like to enroll in a medical and/or dental plan with coverage beginning January 1, 2021, please contact the Church Pension Group by calling 1-800-480-9967.

Additional Resources:

Information for individuals approaching retirement is available here.

If you need assistance, please contact benefits@norcalepiscopal.org.

2021 Benefit Updates

Active Employees & Pre-65 Retirees
Hearing Aid Device Benefit Allowance

To ensure that members have a high-quality, comprehensive health benefit plan and in response to member feedback, the Medical Trust is enhancing hearing benefits. Effective January 1, 2021, members enrolled in any of the Anthem®, Cigna®, and Kaiser® health plans will have access to a hearing aid benefit allowance.

Note: In order to offer members a hearing aid benefit allowance in 2021, CPG will no longer be offering the Amplifon Hearing Aid device discount for active employees and pre-65 retirees.

Contact your health plan carrier (Anthem, Cigna, or Kaiser) for additional information about the hearing aid benefit allowance and hearing aid device networks.

Retirees
Enhanced Medicare Supplement Plan Hearing Aid Benefit

Retirees enrolled in the Medical Trust Medicare Supplement Health Plans currently have a hearing aid benefit. Beginning in 2021, Comprehensive and Plus plan members will receive a higher benefit maximum more frequently—$1,500 per ear every three years (currently $1,000 per ear every five years). Our Premium plan members will have the same benefit maximum of $2,000 per ear at an increased frequency of every three years (currently every five years).

Retirees enrolled in the Medical Trust Medicare Supplement Health Plan will continue to submit claims for eligible hearing aid device reimbursements to United Healthcare.

Clergy Post-Retirement Health Plan Subsidy increase approved for 2021 for
Medicare Supplement Health Plans:

The Church Pension Fund (CPF) has approved an increase of $20 per member/per month in the subsidy for the Medicare Supplement Health Plans in 2021. Medicare-eligible clergy with 20 or more years of Credited Service and their eligible spouses or surviving spouses will receive $400 per member/per month toward the purchase of healthcare coverage through the Medical Trust in 2021. Learn more about Medicare Supplement Health Plan costs for clergy.

View the program mailings:

If you are enrolled in a fully-funded retiree HMO plan and need more information, or are considering one of the Medical Trust’s Medicare Supplement Health Plans, please call CPG Client Services at (800) 480-9967.

FAQs

Q: If I want to keep the same medical and/or dental plans for 2021, do I need to do anything?

A: If you would like to keep the same medical and/or dental plans for 2021 and you are not adding or removing any dependents, you do not have to do anything. You will automatically be re-enrolled into your current plans for 2021. However, CPG highly recommends you log into your CPG account at www.annualenrollment.cpg.org to confirm the accuracy of your personal and dependent information.

Q: How do I enroll online?

A: Go to www.annualenrollment.cpg.org and use your MyCPG Account username and password to login, or create one using your Client ID number (included in your individual Annual Enrollment brochure). You can also download step-by-step instructions for enrolling online by clicking here.

Q: Are any of the 2020 plans not being offered in 2021?

A: No. All of the same plans available in 2020 will be available in 2021.

Tips for Annual Enrollment

Before choosing a plan, consider the following:

Has there been a change in your household? For example, did you get married or have a child?
Has there been a change in your medical situation, or a family member’s?
How is your overall health? Based on any medical conditions, what is the amount of healthcare you expect to need next year?
Do you need to see out-of-network providers?
What is the trade-off between your monthly premium and what you pay each time you need care?

Flu Shots

It’s not too late to get your flu shot!

Its more crucial now than ever before to protect yourself and your loved ones against illnesses like the flu. The flu vaccine is one of the easiest ways to do so. It will also help to reduce the strain on healthcare systems responding to the COVID-19 pandemic.

Members of the Medical Trust can receive flu shots at any pharmacy that participates in the Express Scripts network at no cost to the member. Be sure to call in advance to schedule an appointment and to check on flu vaccine availability. And don’t forget your Express Scripts member ID card; you will be required to present it at the time of service.

To find a pharmacy participating in the Express Scripts network, log in at express-scripts.com and click “Prescriptions”, then “Find a Pharmacy”.

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Benefits

Enrollment Eligibility

2021 Annual Enrollment

Active Employees

Retirees

2021 Benefit Updates

FAQs

Tips for Annual Enrollment

It’s not too late to get your flu shot!

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