HDHP Premier and HDHP Select

As higher-quality versions of the typical HDHP available in the commercial market, these options include 100% coverage for network preventive care and flat-dollar copays with no deductible for certain preventive drugs.

Provider network and deductible

HDHP participants have access to the same Blue Cross Blue Shield (BlueCard PPO) national provder network* of physicians, hospitals, and other healthcare providers as PPO and EPO participants, and no referrals are needed for care. The HDHP medical options do not cover out-of-network care; however, most current Medical Plan members receive care from network providers.

Because the HDHP options are qualified high deductible plans, members are eligible to enroll in a health savings account (HSA). The Board of Pensions urges employers selecting an HDHP option to also offer an HSA and contribute to the account on behalf of enrolled employees to help them pay for the deductible., required coinsurance, and other eligible out-of-pocket expenses.

HDHP participants, along with PPO and EPO participants, also can reduce their deductibles for the following plan year by participating in Call to Health.

Coverage details

Here are key details about HDHP Premier and HDHP Select** coverage:

• Members pay out of pocket for all covered services — including doctor's office visits — up to the annual deductible amount except for:
• preventive medical services when using network providers (plan pays 100%), and
• certain preventive drugs (member pays just a flat-dollar copay)
• Although members are responsible for the entire cost of their care until they pay the annual deductible, the amount they pay is the discounted Blue Cross Blue Shield network rate.

Annual deductibles

After the annual deductible is met for HDHP Premier, the member and the plan share the cost of care through percentage-based coinsurance:

• Members pay 20% (plan pays 80%) for covered medical services*** until the annual total maximum out-of-pocket amount is reached. Then the plan pays 100% of allowable charges for the rest of the calendar year.
• Members pay 30% (plan pays 70%) for covered prescription drugs, up to a maximum dollar amount per drug.****
  

After the annual deductible is met for HDHP Select:

• Members pay $0 (plan pays 100%) for covered medical services.***
  
• Members pay a flat-dollar copay for covered prescription drugs based on the drug type.****
  

Read more details about the deductible and out-of-pocket costs to HDHP participants in 2026. For the Premier and Select options for 2027, use the online Medical Plan Comparison Tool for more details about these costs.

*All PPO, EPO, and HDHP medical options use the BlueCard PPO program, allowing members to access participating Blue Cross Blue Shield doctors, hospitals, and other providers across the country.

**The existing HDHP option offered in 2026 and the HDHP Premier option offered in 2027 are identical.

***Covered medical  services for all HDHP options include doctor's office or urgent care center visits, telemedicine consultations, in- and outpatient hospital services, surgery, and emergency room visits.

****For covered prescription drugs not on the preventive drug list.

Value-added features

Both HDHP options include these unique features, which provide exceptional value and promote well-being and wholeness.

• Generous preventive care benefits
• Prescription drug benefits
• Call to Health
  
• Telemedicine benefit
  
• Mental Well-Being Employee Assistance Plan (EAP)
  
• Centers of Excellence
• Diabetes managment program
  
• Virtual physical therapy program
  
• International medical care
  
• Vision exam benefit

Personalized support through care navigation

The HDHP options also include care navigation through Quantum Health. Care navigation guides members and their covered family members to high-quality care and helps them make the most of their medical benefits. It enhances the value of medical benefits through the Board of Pensions — at no additional cost to the member or employer.

Eligibility

Employers may choose to offer the HDHP options to 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 these medical options.

Employers may also choose to offer the HDHP medical options to employees enrolled in the Covenant Package. Note: PPO medical coverage (PPO Premier medical coverage in 2027) is included with Transitional Pastor’s Participation and the Congregational Pastors Package.