Member couples

​​Married employees who are both enrolled in the PPO medical coverage option may be considered a member couple and may receive enhanced medical benefits.

To be considered a member couple, at least one of the members must be enrolled in at least member + spouse coverage. For example, in menu options, one member may enroll for Member-only coverage and the spouse may enroll for Member + Spouse or Member + Family coverage.

Member couples have lower out-of-pocket costs for care: 

  • There is no copay requirement for network and non-network office visits. 
  • Children do not have to meet a deductible.

The couple can be enrolled in Pastor’s Participation, menu options, or a combination of both.

  • If both you and your spouse are enrolled in menu options, one of you must have at least Member + Spouse coverage.
  • If you both are enrolled in Member-only coverage, you are not considered a member couple.

This provision does not apply to those enrolled in the EPO or HDHP medical coverage options.

Member couple status continues if

  • one member is eligible for and enrolls in the PPO option through transitional participation; 
  • one member becomes disabled: member couple status may be maintained for up to three years or until the disabled member turns 65, whichever occurs first; or 
  • one member dies: the surviving member retains member couple status for one year.

If both members are eligible for menu options, and one spouse waives medical coverage, opting to receive medical coverage under the other’s Member + Spouse or Member + Family coverage, they will not qualify for member couple enhanced benefits.

14-09 couples

If two part-time ministers share one position at the same church, they are considered a 14-09 couple. Only one spouse in a 14-09 couple is enrolled as the member for medical benefits; the other is enrolled as the spouse. Each spouse is enrolled for pension and death and disability coverage. 14-09 couples are not eligible for member couple status.