Guidelines for Pastoral/Employee Health Insurance

Adopted by Leadership Council for Brethren in Christ Churches, USA

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It is recommended that every congregation provide the following or equivalent health insurance for their pastors and eligible employees. These guidelines mirror the present Brotherhood Health Plan.

Medical coverage with at least:

• 90/70 in network/out of network coverage (i.e., insurance plan pays 90%, pastor pays 10% co-insurance if using in-network doctors; 70% is paid for by insurance, 30% is paid by pastor if out of network doctors
• $3,000/$6,000 maximum out of pocket or $6,000/$12,000 max for out of network doctors (A maximum out of pocket would be deductible + co-insurance paid, $3,000/individual, $6,000/family, or $6,000/individual, $12,000/family)
• Unlimited lifetime maximum benefit
• Three-tiered (generic/preferred brand/non-preferred brand) formulary RX benefit with mail-order option for three-month ordering
• Dental coverage

As previously stated, Arlene Ray, benefits administrator, is available to congregations at (717) 697-2634 or aray@messiah.edu, until July 1, 2006.