The HDHP, a qualified high deductible health plan, is the lowest-cost medical option of the available medical options.
The HDHP covers care received from network providers but does not cover out-of-network care. The Board urges employers to offer a health savings account (HSA) when selecting the HDHP.
Key features of the HDHP include the following:
Employers may choose to offer the HDHP to ministers of the Word and Sacrament and employees who are regularly scheduled to work at least 20 hours a week. There is no work-hour requirement for ministers in self-employed validated service to participate in the HDHP.
The HDHP is not available to those in Pastor's Participation.
For medical coverage under menu options, employers may offer either the PPO, the EPO, or the HDHP, any two options, or all three. The employer must contribute at least 50 percent of the cost of Member-only coverage in the lowest-cost option offered — regardless of which option or coverage level the employee elects.
Employees enrolled in menu options may be required to pay
Employees enrolled in the HDHP have access to the Blue Cross Blue Shield (BCBS) network of physicians, hospitals, and other healthcare providers. The HDHP requires use of network physicians and hospitals to access
The HDHP also provides resources to improve well-being.
Services provided by out-of-network providers are not covered.
The HSA is a tax-advantaged, individual account that can be used to pay for qualified healthcare expenses. Employees who enroll in the HDHP medical coverage option may be eligible to set up and contribute to an HSA.
For those enrolled in the Medical Plan, the preventive care benefit covers 100 percent of the plan allowance for eligible preventive screenings and immunizations with a network provider and is not subject to a deductible.
Prescription drug benefits are automatically included with all medical options. Benefits are administered by OptumRx, which offers a national network of participating pharmacies, including a mail-order pharmacy, and maintains a formulary of preferred prescription medications.