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2015 Personal Plans Product GuideInsurance plans to help you balance cost and benefitsHow and where to spend your hard-earned dollars
Does your P&C coverage come up a little short on power? Re-evaluating your coverage annually can help make sure you’re sufficiently protected and aren’t paying too much for too little…just in case. Call GuideStone at 1-888-98-GUIDE (1-888-984-8433) or visit www.GuideStonePropertyCasualty.org to generate some powerful thinking.
G U I D E S T O N E S A F E T Y T I P # 2 7
JUST IN CASE THE DEACONS’ FAMOUS CHICKEN DINNERS AREN’T
ALL THAT GET totally fried.
GUIDESTONE SAFETY TIP #27: Have on hand or install an auxiliary power-generating source.
All property and liability insurance coverages are provided by Brotherhood Mutual Insurance Company and are subject to conditions, coverage limits, limitations and exclusions. For precise details of coverage, please refer to actual policy forms. These products are only available in states where Brotherhood Mutual Insurance Company is licensed and will be written in accordance with company underwriting rules. GuideStone Agency Services is an appointed agency of Brotherhood Mutual Insurance Company in Texas and Alabama.
You can have the protection your family needs from a company you can trust.GuideStone offers a wide range of insurance products designed to fit the specific needs of ministers and other church staff.
Options to be flexibleWith a range of plan designs and coverage types, you can build an insurance package that works for you — and your budget. With GuideStone, your coverage options include:
Medical coverage for new hires of GuideStone insurance plans employers Life and accident coverage Disability coverage Dental coverage Long-term care coverage
Support to choose wiselyWith GuideStone, you aren’t alone. You gain access to online support tools and informative materials that will help you through your decision-making process. And if you need to speak with someone personally, our friendly, supportive customer relations specialists are always there to answer your questions.
Benefits to add valueNot all coverage is created equal. With GuideStone, you receive additional benefits at no cost to support many aspects of your family’s life — not just cover their potential losses.
Accelerated death benefit of your term life policy Life planning financial and legal resources Portability or conversion of life coverage Wellness support through CIGNA Dental
Resources to live healthierCigna Dental coverage, made available through GuideStone, helps you:
Control costs. Make healthier choices. Access the highest-quality care. Better understand a diagnosis or treatment.
3
You are a new, paid employee of an eligible church, agency or institution
affiliated with, or that shares common religious bonds with, the Southern Baptist
Convention, and
You work 20 or more hours per week.
You may also be eligible if you experience a HIPAA special-enrollment event. For
more details, contact customer service at 1-888-98-GUIDE.
You are a paid employee of an eligible church, agency or institution affiliated with,
or that shares common religious bonds with, the Southern Baptist Convention, and
You work 20 or more hours per week, and
You provide evidence of good health on yourself and all family members
requesting non-medical coverage.
Evidence is required for coverage under the term life and/or disability plans. The coverage
will take effect only after the underwriter determines the evidence is satisfactory and
approves the coverage. This process takes approximately six weeks. Under Federal law
applicable to the Personal Plans, GuideStone can require evidence of good health for
medical coverage.
4
Medical evidence
Non-medical
Medical
You are eligible to participate in the Personal Plans if:
Eligibility Requirements
One-on-one guidance over the phone
Call us toll-free at 1-888-98-GUIDE (1-888-984-8433) anytime between
7 a.m. and 6 p.m. CST.
1
Apply online
Complete and submit the application at
www.GuideStoneInsurance.org.
2
Two easy ways to get started
Traditional PPO plans• Designed to help with routine doctor visits as
well as more in-depth care.• Deductibles ranging from $500 to $5,000.• Co-pays for doctor visits and generic and brand-
name prescription drugs.• Eligible, in-network preventive care covered
at 100%.• Plan pays majority of in-network costs for
hospitalization, services and procedures (this is “co-insurance”).
• Save when you use network providers.• Pay a lower monthly cost for a higher
deductible plan.• Get more first-dollar benefits with a lower
deductible plan — and a higher monthly rate.
Value Health 5000• Designed to cover occasional doctor visits and
generic prescriptions and protect against catastrophic events.
• Scaled-down benefits for a lower price.• Eligible, in-network preventive care covered
at 100%.• $5,000 individual/$10,000 family deductible. • Plan pays 70% of in-network costs for
hospitalization, services and procedures (“co-insurance”).
• Does not cover vision benefit or chiropractic services.
Health Saver 2800• Designed to be paired with a Health Savings
Account (HSA).• This plan is a qualified High Deductible Health
Plan (HDHP).• No co-pays — must meet deductible before
benefits start.• Eligible, in-network preventive care covered
at 100%.• Plan pays 80% of in-network costs for
hospitalization, services, doctor visits and other care (“co-insurance”).
• Lower monthly rate than many traditional PPO plans.
Great health insurance value starts with great values. Our health plans are specially designed for those in ministry. There are three types to choose from:
5
Which Medical Plan Is Right for You?
Coverage for women’s preventive health servicesGuideStone provides expanded coverage for
women’s preventive health services — including, but
not limited to, approved contraceptives, gestational
diabetes screening and breastfeeding support —
under the Preventive Care Schedule. GuideStone
will not provide coverage for abortion services
or abortion-inducing drugs and devices such as Ella
and Plan B, as this violates our Biblical convictions
on sanctity of life.
Summary of Benefits and Coverage To help you make informed choices about
your medical plan, Summaries of Benefits and
Coverage (Summaries) summarize important
information about health coverage in a standard
format. This helps you compare plans apples-to-
apples. Summaries are available on our website
at www.GuideStone.org/Summaries, or you may
request printed copies by calling us.
Annual deductibles: individual/family
Plan pays/individual pays (co-insurance) (after deductible)
Medical and prescription maximum out-of-pocket: individual/family (in-network
services only, including deductible, co-pays and co-insurance)
Primary care or retail clinic/specialist visit co-pay
Wellness visit (per Preventive Care Schedule)
Hospital inpatient (including maternity)
and outpatient surgery facility (after deductible)
Emergency room services (deductible does not apply)
Urgent care
Outpatient services
(CT scan, MRI, diagnostic) (after deductible)
Chiropractic services co-pay (20 visits annually)
Mental health/substance abuse:
• Inpatient/intensive outpatient services (after deductible)
• Office and professional services co-pay
Vision (one exam every 12 months)
Lifetime maximum benefit
IN-N
ETW
ORK
MEDICAL BENEFITS
Traditional PPO Plans
A Preferred Provider Organization (PPO) plan allows you to receive a higher level of benefits when you use doctors and health care facilities that participate in the network.
Generic drug co-pay
Preferred drug co-pay2
Non-preferred drug co-pay2
Generic drug co-pay
Preferred drug co-pay2
Non-preferred drug co-pay2
Specialty drug co-pay (up to a 30-day supply)
30-D
AY S
UPPL
Y
PRESCRIPTION DRUG BENEFITS
90-D
AY S
UPPL
Y
1 These plans do not constitute “creditable coverage” for Massachusetts residents.
2 If a preferred or non-preferred drug is purchased when a generic is available, you must pay the generic co-payment and the difference between the drug cost of the preferred/non-preferred drug and the drug cost of its generic equivalent. The cost difference does not accumulate toward the maximum out-of-pocket limit.
What’s one of the most effective ways to control costs?
Regular preventive care and a healthier lifestyle. Three-quarters of American health care expenditures are linked to preventable, chronic or lifestyle-related conditions. Learn more at www.GuideStoneInsurance.org/Wellness.
6
MAI
L ORD
ERRE
TAIL
Effective January 1, 2015
7
$5,000 / $10,000 $3,000 / $5,000 $2,000 / $4,000 $1,000 / $2,000 $500 / $1,000
70% / 30% 70% / 30% 80% / 20% 80% / 20% 80% / 20%
$6,350 / $12,700 $6,350 / $11,000 $6,350 / $10,000 $6,350 / $8,000 $5,000 / $6,000
$25 / $45 $25 / $45 $25 / $45 $25 / $35 $25 / $35
100% no co-pay 100% no co-pay 100% no co-pay 100% no co-pay 100% no co-pay
70% 70% 80% 80% 80%
70% after $100 co-pay 70% after $100 co-pay 80% after $100 co-pay 80% after $100 co-pay 80% after $100 co-pay
$50 $50 $50 $50 $50
70% 70% 80% 80% 80%
$45 $45 $45 $35 $35
70%
$25
70%
$25
80%
$25
80%
$25
80%
$25
$25 $25 $25 $25 $25
Unlimited Unlimited Unlimited Unlimited Unlimited
Health Choice 500Health Choice 1000Health Choice 30001 Health Choice 2000
Annual deductibles: individual/family
Plan pays/individual pays (co-insurance) (after deductible)
Medical and prescription maximum out-of-pocket: individual/family (in-network
services only, including deductible, co-pays and co-insurance)
Primary care or retail clinic/specialist visit co-pay
Wellness visit (per Preventive Care Schedule)
Hospital inpatient (including maternity)
and outpatient surgery facility (after deductible)
Emergency room services (deductible does not apply)
Urgent care
Outpatient services
(CT scan, MRI, diagnostic) (after deductible)
Chiropractic services co-pay (20 visits annually)
Mental health/substance abuse:
• Inpatient/intensive outpatient services (after deductible)
• Office and professional services co-pay
Vision (one exam every 12 months)
Lifetime maximum benefit
Generic drug co-pay
Preferred drug co-pay2
Non-preferred drug co-pay2
Generic drug co-pay
Preferred drug co-pay2
Non-preferred drug co-pay2
Specialty drug co-pay (up to a 30-day supply)
$15 $15 $15 $15 $15
$35 $35 $35 $35 $35
$50 $50 $50 $50 $50
$35 $35 $35 $35 $35
$90 $90 $90 $90 $90
$125 $125 $125 $125 $125
$50 $50 $50 $50 $50
Health Choice 500Health Choice 1000Health Choice 3000 Health Choice 2000Health Choice 5000
Health Choice 50001
8
Value Health 5000Value Health 5000 is an alternative PPO plan with scaled-down benefits and a lower monthly cost. Designed to offer protection from the full cost of catastrophic claims, the plan includes full wellness benefits at 100% and limited benefits for doctor visits, prescription drugs and other health care services. Its lower monthly cost can help lessen the impact on your budget while providing the protection your employees need.
Here’s a closer look at how it’s different from a traditional plan.
Combined medical and prescription deductible: Aside from the combined primary care/specialist/
urgent care co-pays, participants pay 100% of
medical and prescription claims until they reach
their deductible, at which time the plan begins
to pay benefits.
Co-pays for occasional doctor visits: Each
person has three co-pay visits annually; these
visits can be a combination of primary care of
$60, specialist of $70 or urgent care of $120. For
every additional visit, the deductible applies and
participants pay a 70% co-insurance after the
deductible has been met.
70% co-insurance for services: For most
services other than wellness and the three
primary care/specialist/urgent care visits each
year, participants are first responsible for
meeting the $5,000/$10,000 individual/family
deductible. Then participants pay 30% of the
cost of care up to a $6,350/$12,700 per person/
family annual maximum combined with co-pay,
deductible and co-insurance.
Prescription drug benefits: After participants
meet the combined medical and prescription
drug deductible, they pay a $25 co-pay for
generic drugs. Co-pays are $50 for preferred
drugs and $75 for non-preferred drugs.
No coverage for chiropractic services: Participants
are responsible for paying the full cost for these
services.
No coverage for vision services: Participants are
responsible for paying the full cost for these services.
! Annual deductibles: individual/family $5,000/$10,000
Medical and prescription maximum out-of-pocket:individual/family (in-network services only, includingdeductible, co-pays and co-insurance)
$6,350/$12,700
Plan pays (co-insurance) 70%
Primary care or retail clinic office visit/specialist office visit/urgent care visit accumulates (per person)
$60/$70/$120 co-pay for visits 1-3 combined; additional visits 70%
co-insurance after deductible
Wellness visit (per Preventive Care Schedule)100% no co-pay, not
subject to the deductible
Hospital inpatient (including maternity)and outpatient surgery facility (after deductible)
70% after deductible
Emergency room services$300 co-pay and 70%
co-insurance after deductible
Outpatient services (CT scan, MRI, diagnostic) 70%
Chiropractic services co-pay Not covered
Mental health/substance abuse: inpatient services 70% after deductible
Lifetime maximum benefit Unlimited
IN-N
ETW
ORK
Value Health 50001
MEDICAL BENEFITS
Individual/family deductible2 $5,000/$10,000
Generic drug $25 after deductible
Preferred drug3 $50 after deductible
Non-preferred drug3 $75 after deductible
Individual/family deductible2 $5,000/$10,000
Generic drug $60 after deductible
Preferred drug3 $125 after deductible
Non-preferred drug3 $185 after deductible
Specialty drug (up to a 30-day supply) 70% after deductible
PRESCRIPTION DRUG BENEFITS
RETA
ILM
AIL O
RDER
1 This plan does not constitute “creditable coverage” for Massachusetts residents.2 Combined medical and prescription drug deductible. 3 If a preferred or non-preferred drug is purchased when a generic is available, the participant must pay the generic co-payment and the cost
difference between the preferred/non-preferred drug and its generic equivalent. The cost difference does not accumulate toward the maximum out-of-pocket limit.
Value Health 5000
Effective January 1, 2015
9
HOW IS THIS PLAN DIFFERENT?
No co-pays. The Health Saver 2800 plan does not
have co-pays for doctor visits and prescription
drugs. You pay 100% of medical and prescription
drug claims until you’ve reached the plan’s
deductible; then the plan pays 80%.
An “aggregate” deductible. If you are enrolled in
the Health Saver 2800 with one or more depen-
dents, you and your dependents must meet the
plan’s family deductible of $5,600 before any
claims will be paid for anyone in the family. If you
do not have any dependents enrolled in the plan,
you must meet the plan’s individual deductible of
$2,800 before any claims will be paid by GuideStone.
THE HSA ADVANTAGE
A Health Savings Account (HSA) is an investment
vehicle that allows you to invest money on a pre-
tax basis for eligible medical expenses. You may
only open an HSA and make contributions to it if
you are enrolled in a qualified High Deductible
Health Plan, like the Health Saver 2800.
The HSA has a triple tax advantage,
established by the IRS:
You are not taxed on contributions.
Earnings from your contributions
are not taxed.
Withdrawals (as long as they are used for
qualified medical expenses) are not taxed.
Annual deductibles: individual/family $2,800 / $5,600
Plan pays/individual pays (co-insurance) (after deductible) 80% / 20%
Medical and prescription maximum out-of-pocket: individual/family (in-network services only, including deductible, co-pays and co-insurance)
$5,800 / $11,600
Primary care or retail clinic/specialist visit 80% after deductible
Wellness and preventive care2 (per Preventive Care Schedule) 100% (no deductible)
Prescription drug program3 80% after deductible
Hospital inpatient (including maternity) and outpatient surgery facility (per admission) 80% after deductible
Emergency room services (per visit) 80% after deductible
Urgent care 80% after deductible
Outpatient services (CT scan, MRI, diagnostic) 80% after deductible
Chiropractic services (20 visits annually) 80% after deductible
Mental health/substance abuse: inpatient/intensive outpatient services 80% after deductible
Mental health/substance abuse: office and professional services 80% after deductible
Vision (one exam every 12 months) 80% after deductible
Lifetime maximum benefit Unlimited
IN-N
ETW
ORK
MEDICAL BENEFITS
Health Saver 2800The Health Saver 2800 is a different kind of health plan. It’s designed to be paired with a tax-advantaged Health Savings Account (HSA). If you do not intend to pair it with an HSA, it may not be the right plan for you.
Health Saver 28001
1 This plan does not constitute “creditable coverage” for Massachusetts residents.2 See Preventive Care Schedule online at www.GuideStoneInsurance.org3 If a preferred or non-preferred drug is purchased when a generic is available, the participant must pay the generic co-
payment and the cost difference between the preferred/non-preferred drug and its generic equivalent. The cost difference does not accumulate toward the maximum out-of-pocket limit.1
2
3
You may not open an HSA if you are:
• Covered by any non-qualified health plan (PPO plan with co-pays).• Enrolled in Medicare.• Claimed as a dependent on another individual’s tax return.
For more information about an HSA available through Highmark, visit www.HighmarkBCBS-hsa.com.
Effective January 1, 2015
Coverage amounts
Coverage maximum
Benefit reduction at age 65 (active employee)
Retirement
Coverage in $5,000 increments from $10,000 to $50,000, or a flat amount of $100,000. Coverage also available in one to eight times annual salary, not to exceed $750,000.
$750,000
Reduces to 65% of current amount with a minimum of $20,000
Maximum of $20,000 or coverage amount at retirement, whichever is less
Coverage amount
Coverage maximum
$5,000 increments
50% of Employee Term Life coverage up to a maximum benefit of $250,000
Coverage amount
Coverage limitations
$10,000
Coverage may continue to age 26
Benefit
Coverage amount
Pays you or your beneficiary if you die or suffer a specified loss (eyesight, hand, foot, speech or hearing) in an accident
Equals Employee Term Life Plan amount
Benefit
Employee coverage amounts
Spouse coverage amount
Pays you or your beneficiary if you die or suffer a specified loss (eyesight, hand, foot, speech or hearing) in an accident
$25,000 increments up to a maximum of $500,000
50% of employee coverage amount
EMPLOYEE TERM LIFE PLAN
Term Life and Accident Plans
10
We are not promised tomorrow. Don’t wait. Protect your family’s financial well-being with affordable term life coverage. And make that protection even stronger by adding one of our accidental coverages, which effectively doubles your term life coverage — often for just pennies a day.
SPOUSE TERM LIFE PLAN
CHILD TERM LIFE PLAN
EMPLOYEE ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D)
EMPLOYEE AND SPOUSE SUPPLEMENTAL AD&D
Did you know that seven out of 10 households would be in immediate financial trouble upon the death of the primary breadwinner? Are you among the seven?
Monthly Rates
To age 26
All ages
All ages
$ .75
2.5¢ per $1,000 coverage
2.5¢ per $1,000 coverage
AGE
AGE
AGE
RATE
RATE
RATE
Child Term Life1
The monthly rate for $10,000 of child life coverage is 75 cents total, regardless of the number of children covered.
Accidental Death and Dismemberment (AD&D) (employees only)1
Employee and Spouse Supplemental AD&D1
Employee and Spouse Term Life1
Monthly rates per $1,000 coverage
AGE RATE
19 and under
20–24
25–29
30–34
35–39
40–44
45–49
50–54
55–59
60–64
65–69
70–74
75–79
80–84
85–89
90–94
$ .02
$ .03
$ .04
$ .05
$ .08
$ .12
$ .20
$ .35
$ .53
$ .83
$ 1.46
$ 2.51
$ 4.26
$ 7.05
$ 10.74
$ 10.74
11
Additional benefits These valuable programs are included at no additional cost when you enroll in a term life plan, so you gain the help you need to deal with the challenges and triumphs of tomorrow.
Life Planning Financial & Legal Resources Financial, legal and grief support in the event of
a death or diagnosis of a terminal illness.
assist america®
24-hour network of emergency medical and legal resources offering worldwide emergency assistance to active employees and their families who are traveling.
Accelerated Benefits
Allows terminally ill participants with a life expectancy of 12 months or less to receive up to 50% of the death benefit ($250,000 maximum) prior to death.
Portability or Conversion of Coverage You and your dependents can continue coverage
if employment is terminated or you otherwise lose eligibility.
Add Children You can add a dependent child within 60 days
of the child’s birth, adoption or placement for adoption.
Additional AD&D Benefits Our AD&D plan pays additional death benefits
if you die: traveling more than 100 miles from home, while properly wearing a seatbelt or when protected by an airbag. The plan also pays an additional education benefit to each of your qualified, college-age dependents if you die.
1 Coverage not available in certain locations outside the U.S.
Elimination period (Waiting period before benefits start)
Benefit percentage
Maximum monthly benefit
Definition of disability
Maximum benefit period1
Social Security integration
Self-reported mental/nervous limitation
Rehabilitation & Return to Work Assistance
Economy PremierChoiceLONG-TERM DISABILITY PLANS
180 days
Up to 60% of monthly earnings
$7,500 per month
2 years own occupation
ADEA I
Family
12 months
Included
1 The ADEA I and ADEA II schedules outline the maximum benefit period, which depends on the employee’s age at the time disability begins. Please see the ADEA I and II schedules on the opposite page for more information.
90 days
Up to 60% of monthly earnings
$15,000 per month
2 years own occupation
ADEA I
Family
12 months
Included
90 days
Up to 60% of monthly earnings
$15,000 per month
3 years own occupation
ADEA II
Self
24 months
Included
Elimination period(Waiting period before benefits start)
Benefit percentage
Maximum period of benefits
Minimum weekly benefit
Maximum weekly benefit
Definition of disability
SHORT-TERM DISABILITY PLANS
* The Economy Short Term Disability Plan has a longer benefit period than the Choice and Premier Short Term Disability Plans to provide benefits throughout the longer elimination period under the Economy Long Term Disability Plan.
12
Disability Plans
Disability insurance protects your paycheck by replacing a portion of your income during a disability. Short- and long-term plans coordinate to maximize your benefit period. With three long-term and three short-term plan options, you can find a solution your family can afford.
Economy PremierChoice
14 days
Up to 60% of weekly earnings
24 weeks
$25 per week
$500 per week
Any sickness or injury that prevents active work for
more than 14 days
7 days
Up to 60% of weekly earnings
12 weeks
$25 per week
$500 per week
Any sickness or injury that prevents active work for
more than 7 days
7 days
Up to 60% of weekly earnings
12 weeks
$25 per week
$500 per week
Any sickness or injury that prevents active work for
more than 7 days
Looking for help understanding terms and picking a plan? Check out the Learning Center (www.GuideStone.org/LearningCenter/IndividualResources) for helpful tips. Or check out our Disability Plan FAQs for definitions — including ADEA — and more explanation.
Effective January 1, 2015
Effective January 1, 2015
Short-term Disability
Maximum Benefit PeriodThis is the length of time benefits are paid while the employee is disabled and depends on employee’s age at the time disability begins. GuideStone makes available plans with two maximum benefit period options, the ADEA I and ADEA II (shown below).
ADEA I
AGE AT DISABILITY MAXIMUM PERIOD OF PAYMENT
Less than 60606162636465666768
69 and over
To age 65, but no less than 5 years60 months48 months42 months36 months30 months24 months21 months18 months15 months12 months
ADEA II
AGE AT DISABILITYMAXIMUM PERIOD
OF PAYMENT
Less than 6060 to 6465 to 69
70 and over
Greater of age 65 or 5 years5 years
Greater of age 70 or 1 year1 year
13
Monthly RatesLong-term DisabilityMonthly rates per $100 of monthly salary amount
$ 15.55 $ 11.29
ECONOMY PREMIER
$ 11.29
CHOICE
Additional benefits These valuable programs are included at no additional cost when you enroll in a disability plan.
Life Planning Financial & Legal Resources Financial, legal and grief support in the event of
a death or diagnosis of a terminal illness.
Survivor Benefits If you die after receiving benefits for 180 or
more consecutive days, your survivor receives a lump-sum payment of three times your last month’s gross disability benefit.
Rehabilitation and Return to Work Program
To encourage individuals to return to work as soon as they become physically able, individuals receive an additional benefit for participation in a rehabilitation program.
AGE
34 and under
35–39
40–44
45–49
50–54
55–59
60 and over
$0.35
$0.44
$0.57
$0.76
$0.89
$1.00
$0.67
$0.28
$0.36
$0.45
$0.60
$0.71
$0.80
$0.55
$0.33
$0.42
$0.55
$0.71
$0.85
$0.94
$0.64
ECONOMY CHOICE PREMIER
14
Dental Plans
1 Coverage percentages based on reasonable and customary charges.2 Deductibles apply to basic and major services for the Premier Dental Care and Choice Dental Care Plans.3 Fees based on the Guided Dental HMO patient charge schedule (K1-V9).
With three plan options, you can find one your family can afford. All plans have access to Cigna’s expansive, nationwide dental network. Plus, you’ll also benefit from Cigna’s Healthy Rewards® program, which includes a wide range of wellness and vision discounts.
Employee only
Employee + Spouse
Employee + Child(ren)
Employee + Family
Premier Dental Care PlanMONTHLY RATES
$38.56
$78.87
$78.87
$134.65
$28.56
$55.84
$55.84
$102.12
$22.77
$38.53
$53.81
$63.27
Providers
Deductible (per person per year)2
Annual maximum benefit (per covered family member)
Type I: Preventive services
Type II: Basic services (restorative dentistry)
Type III: Major services
Type IV: Orthodontic services
Waiting periods
DENTAL PLAN BENEFITS
May use any provider or save with network providers
$50
$1,500
100%
80%
50%
50% with a lifetime maximum benefit of $1,000
Six to 24 months for certain services
May use any provider or save with network providers
$50
$1,200
90%
70%
50%
50% with a lifetime maximum benefit of $1,000
Six to 24 months for certain services
Must use only providers in the network
No deductible
No annual maximum
$5 office visit co-pay + applicable fee (if any)3
$5 office visit co-pay + applicable fee (if any)3
$5 office visit co-pay + applicable fee (if any)3
$5 office visit co-pay + applicable fee3
(24-month limitation)
None
Choice Dental Care Plan
Guided Dental HMO Plan
Premier Dental Care Plan1
Choice Dental Care Plan1
Guided Dental HMO Plan3
Looking for a provider? Visit www.Cigna.com or call 1-800-CIGNA24.
• Guided Dental HMO Plan. You must select a primary provider or dental office. Select the Dental Care Network for your search.
• Premier or Choice Dental Plans. You may use any provider, but you save with in-network providers.
Effective January 1, 2015
Effective January 1, 2015
15
A minister’s calling never ends.
Insure your independence with ACSIA PartnersWith better health care options and increased awareness about the benefits of a healthy lifestyle, Americans are living longer, fuller lives than they ever have before. But as life expectancy increases, more seniors are reaching the point where they need help or require more extensive care.
Studies show more than 60% of seniors over age 65 will need some type of long-term care in their lifetime. These expenses can directly threaten an individual’s financial security, since private health insurance, Medicare and Medicaid do not cover the most widely needed type of long-term care: assistance with daily activities.
Don’t compromise your future quality of life. Let GuideStone help you make informed decisions about your long-term care coverage. Visit www.LTCGuideStone.com or call ACSIA Partners at 1-877-582-4478 for more information.
Put the “care” back in Medicare!Approaching age 65? Our Medicare-coordinating plans combine one-stop convenience with a great price.
By signing up for an available GuideStone plan at your initial Medicare eligibility date, you will receive medical coordinating benefits and Part D (prescription) coverage. Participants also will have extra coverage for some non-Part D drugs.
Before you make any decisions, we encourage you to start with a FREE, no obligation, one-on-one consultation. Visit www.GuideStone.org/CarePlansEnroll to Get A Quote online or call 1-888-98-GUIDE (1-888-984-8433) to speak with a customer service representative.
1
2
Let GuideStone help you plan for medical costs as you transition into the next phase of your ministry.
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