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Episcopal Church Medical Trust
Diocese of Central New York
Ms. Martha GardnerRegional Account Specialist
The Rev. Robert GriffithAss’t Business Analyst
October 8 and 9, 2013
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Agenda
• Medical Plans
• Additional Benefits
• Dental Plans
• Wellness
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The Episcopal Church Medical Trust
Chartered by General Convention in 1978
Reports to Church Pension Fund Trustees
Voluntary Employees’ Beneficiary Association (VEBA)
ERISA-exempt, free of most state benefit mandates
Tax-favored not-for-profit church plan
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The Episcopal Church Medical Trust
Our Mission …
“Balancing compassionate
Christian benefits with financial stewardship”
89% of Every Dollar Received Provides Benefits to Participants versus National Healthcare which requires 85%
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Who Can Participate?
Salaried (exempt) clergy and lay employees
Hourly employees working a minimum of 20 hours/week (1,000 hours/year)
Dependent children to age 30
Employees on short-term or long-term disability
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The Episcopal Church Medical Trust – Serving You
We are here to support you with:
• Problem Resolution
• Education and Awareness
• Patient Advocacy
Our Client Engagement Team is Available
Monday through Friday
8:30 am to 8:00 pm ET
1-800-480-9967 / [email protected]
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Episcopal Church Medical Trust
Diocese of Central New YorkMedical Plans– 2014
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Preventive Care
Routine and Preventive Services
$0 Copay Network
Benefits include covered services received in a physician’s office such as:
• Routine exams
• Well-Woman and Well-Man exams
• Routine exam X-rays and lab services
• Well-Child checkups
• Immunizations
• Other Routine Services
Women’s Preventive Care
In accordance with the Affordable Care Act women’s preventive care services are available with no copay or coinsurance in-network:
Annual visit and recommended preventive services
Breastfeeding counseling and equipment such as breast pumps
FDA-approved contraceptive methods
Domestic violence screening and counseling
Gestational diabetes screening for pregnant and high-risk women
HIV screening and counseling annually
Sexually transmitted infections counseling annually
Human papillomavirus (HPV) testing every 3 years
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Your 2014 Medical Plan Choices
Empire High Option PPO
Empire BCBS High Deductible Health Plan
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Network and Out-of-Network Plans - PPO
Basic Elements
No designated Primary Care Physician (PCP) required
No referrals required for specialty care
Out-of-network benefits are available, although you pay less when using a network provider
Empire BlueCross BlueShieldHigh Option PPO Plan
(Preferred Provider Organization)
www.empireblue.com (800) 352-3152
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Empire BCBS High Option PPO – At a Glance
Plan Provision Network Out-of-Network
Annual deductible
(person / family)$200 / $500 $500 / $1,000
Annual OOP max
(person / family)
(includes deductible)
$2,200 / $4,500 $3,500 / $7,000
Member coinsurance 0% 30%
Office visit$0 Preventive
$30 (PCP or specialist)
30%
Urgent care $50 $50
Inpatient hospital $150 copay per admission 30%
Outpatient hospital $150 copay 30%
Emergency room care
(waived if admitted)$100 $100
Episcopal Church Medical Trust
www.empireblue.com (800) 352-3152
Empire BlueCross BlueShieldHigh Deductible Health Planand Health Savings Account (HDHP/HSA)
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Consumer Directed Health Plans
Think like a consumer when it comes to healthcare and take personal responsibility for:
• Improving health
• Managing costs
• Making thoughtful decisions when choosing coverage during enrollment and using coverage throughout the year
Visible Cost of
Healthcare
Real Healthcare Costs
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HDHP/HSA – How the Pieces Work Together
High Deductible PPO Health Planwith preventive services covered at 100%
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Health Savings Accountthat allows employer and/or employees to make tax-free
contributions to save for future healthcare expenses
+
Health and Decision Toolsto help employees become more knowledgeable consumers
HDHP / HSA Fact Sheet – www.cpg.org/mtdocs
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Empire BCBS HDHP – At a Glance
Plan Provision(Medical & Rx Combined)
Network Out-of-Network
Annual deductible
(person / family)$2,700 / $5,450 $3,000 / $6,000
Annual OOP max
(person / family)
(includes deductible)
$4,200 / $8,450 $7,000 / $13,000
Member coinsurance
(after deductible is met)20% 45%
Office visit$0 Preventive
20%
45%
Urgent care 20% 45%
Inpatient hospital 20% 45%
Outpatient hospital 20% 45%
Emergency room care 20% 20%
Richard is single. How does a HDHP work for him?
It’s January 15, and Richard slips on the ice!
His in-network doctor sends him for an MRI at a in-network facility. The doctor’s visit and MRI would have cost Richard $5,000. Good thing he’s in the Medical Trust’s HDHP with negotiated rates! He pays $3,000.
Unfortunately, Richard broke his ankle during the fall and is in great pain. He needs lots of medicine, with a cost of $1,000. Good thing he’s in the Express Scripts program, with a negotiated cost of $800.
How do these medical and prescription costs work with an HDHP?
Let’s take a look!
Richard’s Bucket ListBucket #1: The Annual Deductible. Richard must fill this bucket by paying 100% of the negotiated cost of services ($2,700 for a single person)
Richard’s negotiated doctor and MRI costs = $3,000
Bucket #2: Your Maximum Annual Co-Insurance. Richard must fill this bucket by paying the appropriate co-insurance ($1,500 for a single person)
Richard’s co-insurance is 20% of the remaining $300 = $60
$60$2,700
Richard’s co-insurance for the $800 of formulary medication is 25% =$200
$200Richard’s 2nd bucket is not yet full. He still has to pay $1,240 to fill his bucket.
Bucket #1 = $2,700 Bucket #2 = $1,500 = $4,200 Out of Pocket Maximum (OOP)+
Richard, Mary and their two children, Nan and Bert have family coverage. How does a HDHP work for them?
On January 2nd the family gets hit by a beer truck!
While their injuries are minor, they all require medical care. At the emergency room, they had X-rays, medications and Bert had a broken arm. The cost for their care was $30,000! Good thing they are in the Medical Trust’s HDHP with negotiated rates which are $22,000.
How do these costs work with an HDHP?
Let’s take a look!
Watch out!
Watch out!
The Family’s Bucket ListBucket #1: The Annual Deductible. The family must fill this bucket by paying 100% of the negotiated cost of services ($5,450 for a family)
The family’s negotiated cost of services = $22,000
Bucket #2: The Family’s Maximum Annual Co-Insurance. The family must fill this bucket by paying the appropriate co-insurance ($3,000 for family)
The family’s co-insurance is 20% of the remaining $16,550 (which equals $3,310). However, they only have to pay $3,000.
$3,000$5,450
They have met their annual Out of Pocket Maximum (OOP). For the remainder of the year, all of their in-network medical, pharmacy and behavioral health is
= $8,450 OOP+FREE!
Bucket #1 = $5,450 Bucket #2 = $3,000
HDHP / HSA – The Details
What are Health Savings Accounts?
Tax-advantaged savings account for qualified healthcare expenses
Employee sets up the account and owns it
Balances accumulate and roll over year after year
Portable from employer to employer
Act like an IRA or 401(k) for healthcare expenses
May be invested
Account must be held by a qualified trustee
Anyone can make a contribution to employee’s HSA on an annual basis:• Employer, employee, others
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Who is Eligible to Contribute to a Health Savings Account
Must be enrolled in a qualifying HDHP
Cannot be covered by other medical insurance, including Medicare, with limited exceptions:
• Can have AFLAC-type coverage
• Can have separate dental or vision coverage
• Can have disability coverage
Cannot contribute to a Health Savings Account while using a Flexible Spending Account (FSA), with minor exceptions
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Setting Up the Health Savings Account
The Medical Trust has a partnership with Mellon Bank for the BCBS HDHP.
You must set up the account
• The Medical Trust will pay the set-up and monthly maintenance fees
• Employer contributions go through our lock box
You can use any qualified financial institution – those that can set up IRAs – you are responsible for set up and maintenance fees
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Setting Up the Health Savings Account - continued
Account must be set up before contributions or distributions can be made
• January 1 is a holiday
• It will take a week or so to get through our lock box
Remember to designate a death beneficiary on the account
• If spouse, account balance not taxable on your death and your spouse can continue to use the funds as a tax-advantaged health savings account
• If anyone else, or if you fail to designate a beneficiary, the account will be closed, the balance will be taxed, and the money distributed to your heirs
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Contributing to the Account
Your employer may contribute to your account
You can contribute:
• Through payroll deductions if available
• By direct deposit, using your deposit slips
Anyone can contribute, using your deposit slips
IRS maximum contributions for 2014 are $3,300 and $6,550
• Additional $1,000 if the account holder is age 55+
Excess contributions are taxable to you and you pay a 10% penalty
You have until April 15, 2015 to make additional contributions – use your deposit slips and be sure to designate for 2014 contribution
You have until April 15, 2015, or the date of any extensions of your tax return, to withdraw excess contributions and the associated interest
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Contributing to the Account - continued
Special Rules for Spouses / Families
• If all are enrolled in HDHP plans, the maximum contribution is the family limit, which can be split evenly or as the parties decide
• Only the account holder can make the extra $1,000 contribution
• Each covered individual, except IRS dependents, is eligible for and can open a separate account
Partial / Last Month Rule
• You may make proportionate contributions only for the portion of the year you are eligible
• If you are not eligible for an HSA for the entire year, but are on the first day of December, you can make contributions as if you were eligible the entire year
• You must remain eligible for the entire next year
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Distributions from the Account
You do not have to use the money in any particular year
You can continue to use the money even when you are no longer eligible to contribute to the account
• Not enrolled in an HDHP
• Enrolled in Medicare
You are not taxed on the amount distributed from the account IF you use it for qualifying healthcare expenses
• IRS Publication 502
• Includes dental and vision out of pocket expenses
• Includes prescription medications – no OTC products
If used for non-qualifying expense, you will pay federal income tax and a 20% excise tax as a penalty
• If you are age 65+, you don’t pay the penalty30
For Whom Can You Use the Account
Remember the account has to be used for qualifying healthcare expenses
Yourself
Your spouse (even if the spouse is not on your HDHP)
Your dependents that you can claim on your tax return (even if not on your HDHP)
• If your age 27+ children are on your HDHP, they are eligible to set up separate HSAs and can use that money themselves
• If your domestic partner is on your HDHP, he or she is eligible to set up a separate HSA and can use that money him or herself
• Remember the family contribution limit31
Using the Money in the Account
Remember that you do not have to use it!
Prescriptions – you will pay at the time of filling the prescription
• Could be 100% of Express Scripts negotiated cost!
• Consider getting prescriptions filled before the end of the year
Other services – you should NOT pay at the time of service
• The provider doesn’t know whether you have met the deductible – if not, you will pay 100% of the network negotiated cost of service
• The provider doesn’t know whether you have met the out-of-pocket maximum – if not, you will pay 20% of the network negotiated cost of service. If yes – your covered network services are fully paid by the plan!
• WAIT for the Explanation of Benefits before paying
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Using the Money in the Account - continued
You may choose to use the HSA funds
• Check
• Debit card
• ATM for cash
You may choose to use other funds and allow the HSA funds to accumulate
• You can reimburse yourself from HSA funds later in the year
• Write a check or use the ATM/Debit card for cash
You must keep receipts to match with all distributions to prove made for qualifying healthcare expenses
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Additional Paperwork
Remember to keep track of how much is contributed
• The trustee bank will send IRS Form 5498-SA to show the amount of contributions made to the account
• Your employer will enter the amount it contributed, including your contributions made through payroll deduction, in Box 12 of your W2
• If over the maximum, you have until April 15 (or the date of any extension to your return) to withdraw the excess plus any interest earned on the excess
Remember to keep track of how each distribution is used
• The trustee will send IRS Form 1099-SA
• Must have receipts to show used for qualifying healthcare expenses for audit purposes
Filing your tax return
• IRS Form 8889: http://www.irs.gov/pub/irs-pdf/f8889.pdf 34
Express Scripts Pharmacy Benefits
www.expressscripts.com (800) 841-3361
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Express Scripts Pharmacy Plan Designs
Standard Plan HDHP/HSA
Retail Mail Order Retail & Mail Order
Annual Prescription Deductible
(Retail Only)
$50 per person none
$2,700 per person
$5,450 per family
(combined with medical deductible)
Copays Tier 1: Generic
Up to $10 Up to $25 You pay 15% after deductible
Copays Tier 2: Formulary Up to $35 Up to $90 You pay 25% after deductible
Copays Tier 3: Non-formulary Up to $60 Up to $150 You pay 50% after deductible
Dispensing Limits per Copayment
Up to a 30-day supply
Up to a 90-day supply
Up to a 30-day supply (retail) or 90-day supply (mail order)
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Express Scripts Pharmacy Tiers
Generic: Same active ingredients as the brand-name it replaces. Binder
may differ.
Formulary: A list of brand-name drugs preferred by a plan based on clinical
effectiveness and cost. (Also called “Preferred Brand Name”)
Non-Formulary: Brand-name drugs not on your plan’s formulary. (Also called
“Non-Preferred Brand Name”)
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“Generic or Pay the Difference”
Here’s an example of what the member pays if a generic is available, but the brand name is specified:
Brand Name Cost = $90Generic Cost = $30
Generic Copayment = $10$90 Brand Name Cost - $30 Generic Cost = $60 Difference
$10 Copayment + $60 Difference
=$70 Net Cost to the Member
If a generic medication cannot be used for a medical reason, call us to discuss.
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Mail Order for Maintenance Meds
Mail Order required for most maintenance meds 3 fills covered at retail pharmacy
After 3rd fill, Express Scripts mail order required for benefit
Mail Order is easy, convenient, accurate Member can mail prescription
Doctor can fax or order online
Email/mail reminder when refill is due
Automatic refill available on request
Up to triple the supply for less than triple copay Controls costs for both member and plan
Prescription Benefits Managed by Express Scripts
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Coverage Management Program
• Majority of prescriptions filled immediately
• Some medications fall under this program
• Ensures Reasonable Cost, Safety, Medical Efficacy
• Ongoing monitoring of drug interactions
Step therapy required for certain medications
• Certain medications will be dispensed only after others have been tried and failed
Prior authorization required for certain medications
• Based on need
• Based on quantity
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Rx Benefits Managed by Express Scripts
Behind-the-Scenes
Express Scripts review all prescriptions for:• Possible drug interactions
• Medical efficacy
• Safety (dose, duration, etc.)
Prior authorization may be required based on need, quantity
Express Scripts will call your doctor directly with questions
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Be Proactive!
Talk to your doctor about your Rx plan• Discuss the formulary• Ask for generic when available
Review your prescriptions
• Are mail order prescriptions for 90 days?
• Did your doctor indicate “DAW” (dispense as written)?
If there is a question, an Express Scripts pharmacist will contact your doctor
Additional Benefits
Mental Health / Substance Abuse Employee Assistance Program (EAP) Health Advocate EyeMed Vision FrontierMEDEX HearPO
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Mental Health / Substance Abuse Benefits
Empire BCBS / Cigna HDHP / HSA
IRS Guidelines: must be embedded with medical plan
Plan Partner Empire BCBS / Cigna
Annual deductibles combined with Medical and Rx
Network benefits• Inpatient & Outpatient – 20% after deductible
Out-of-network benefits• Inpatient & Outpatient – 45% after deductible
Refer to the plan’s Summary of Benefits and Coverage for specific plan details
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Employee Assistance Program (EAP)
Administered by CIGNA Behavioral Health
10 in-person sessions PER ISSUE at $0 COPAY
UNLIMITED telephonic sessions
MULTIPLE EPISODES of treatment per year
Extensive geographic availability of services
• Telephone access virtually unlimited
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Because Life Happens
Work/Life balance
Adjustment to life events and change
Relocation
Child care, elder care, pet care needs
Stress
Depression and emotional health concerns
Substance abuse
Relationship issues
Parenting and family concerns
Career concerns and career counseling assistance
Crisis needs and critical incident response
Grief and loss
Legal and financial concerns
1-866-912-1689
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Employee Assistance Program (EAP)EAP helps YOU AND YOUR HOUSEHOLD find the services you need -
Assistance with Family Care Services
• Child care
• Parenting programs
• Adoption information
• Long-distance care-giving
• Researching nursing homes
• Pet insurance
• … and more!
Personal Services
• 30-minute free legal consultation
• Stress management
• Debt management
• Identity theft management
Online Services
• Emotional well-being and life events
• Family and care-giving resources
• Health & wellness resources
• Daily living resources
• Email assisted search
10 Reasons to Call the EAP
1. School is back in session and I want to help my kids start the year with good homework habits.
2. Do you have a list of activities to do with Alzheimer’s patients?
3. I’m taking a trip with my family, and I need information about traveling with kids.
4. I’m retiring, and I would like to find some support groups in my area.
5. My son was arrested for driving while intoxicated. How can I help him?
6. I’m moving, and I need information about my new town.
7. I need to find a daycare facility for my child.
8. My grandparents are visiting, and I need to find some rentable medical equipment.
9. My daughter has allergies, and I need to find stores that carry wheat-free foods.
10. Should I get pet insurance?
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Health Advocate offers assistance with ANY aspect of the healthcare system to YOU, YOUR HOUSEHOLD, AND YOUR PARENTS AND PARENTS-IN-LAW
Additional layer of service provided by the Medical Trust
Advocacy and assistance service
Facilitates member interactions with healthcare providers, insurance plans, and other community resources
Assists members with:
• Finding doctors, hospitals and other healthcare providers
• Resolving claims, billing and administrative problems with providers
• Issues encountered while accessing the healthcare system
Protects privacy and confidentiality
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Health Advocate
Personal Health Advocates, typically RNs, who with a team of medical directors and administrative experts:
Identify leading healthcare providers and institutions anywhere in the country
Schedule specialized treatment and tests
Answer questions about test results, treatment recommendations and medications recommended by your physician
Assist in the transfer of medical records, x-rays and lab results
Arrange for home care equipment following discharge from a hospital
Foster communication and benefits coordination between physicians and insurance companies
10 Ways Health Advocate Can Help
1. Finding network doctors, hospitals and dentists
2. Scheduling appointments
3. Helping to resolve insurance claims
4. Negotiating fees with out-of-network providers
5. Obtaining unbiased health information
6. Working with health plans to obtain appropriate approvals
7. Answering questions about test results or treatment recommendations
8. Assisting in transfer of medical records, x-rays or lab tests
9. Locating and researching the newest treatments for a medical condition
10. Assisting with finding qualified wellness programs and services
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Vision
Administered by EyeMed
Annual eye exam - $0 network copay
Annual benefit for:• Frames• Lenses, or• Contact lenses
Broad-based PPO network• Retail chains• Independent provider locations
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EyeMed Vision Care Benefits – At a GlancePlan Provision Network Out-of-Network
Annual Eye Exam You pay $0 Plan pays up to $30
Choose Eyeglasses OR Contact Lenses Each Calendar Year
Lenses
single vision
bifocal
trifocal
You pay
$10
Plan pays up to
$32
$46
$57
Progressive Lenses
standard
premium
You pay up to $75
You pay $75, then 80% of charge over $120
Not covered
Frames $130 allowance,
20% off balance over $130
Plan pays up to $47
Contact Lenses
Conventional
$130 allowance,
15% off balance over $130
Plan pays up to $100
Contact Lenses
Disposable
$130 allowance, then
you pay balance over $130
Plan pays up to $100
For Assistance: (866) 723-0513 www.eyemedvisioncare.com
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FrontierMedex and HearPO
FrontierMedex Access to FrontierMEDEX Travel Assistance
Provides 24/7 Emergency Medical Advocacy
Please note – FrontierMEDEX is not responsible for medical costs while you are traveling.
HearPO Access to HearPO network discounts
Cigna Dental Plans
www.cigna.com (800) 244-6224 (800-CIGNA24)
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Dental Plan
Administered by Cigna Dental
3 Annual cleanings and related oral examinations• 4th Available if medically necessary
Extensive PPO Network
In and Out-of-Network Benefits
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Cigna Dental Plans – At a Glance
Plan ProvisionPreventive
DentalBasic Dental
Dental & Orthodontia
What You Pay
Annual Out-of-Network Deductible
None$50 per person
$150 per family
$25 per person
$75 per family
Preventive Services(includes 3 cleanings per year)
0% 0% 0%
Basic Services 20% 15% 15%
Major Services 99% 50% 15%
Orthodontic Services 99% Not Covered50%
($1,500 Lifetime Max)
Out-of-Network Benefits(based on Usual & Customary)
Same as Network
Same as Network
Same as Network
Annual Benefit Maximum(in addition to preventive care)
$1,500 $2,000 $2,000
Wellness
Making a Case for Healthy Lifestyles
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Medical Trust Definition of Wellness
Wellness is an active, lifelong process of becoming aware of choices and making decisions that will enable a person to achieve the best possible level of physical, mental, and spiritual well-being.
It is an approach to healthcare that emphasizes preventing illness and prolonging one’s quality of life, as opposed to emphasizing treating diseases.
Wellness is not the absence of illness, but an individual’s active process of managing or achieving their full potential.
A more extensive definition of wellness must acknowledge that family, workplace, church, community, and the world in which one lives, have the potential both positively and negatively to influence or impact one’s level of wellbeing.
The Focus is on Population Based Wellness
Now the Focus is:
• Helping the healthy stay healthy
• Reducing the health risks
• Encouraging healthier lifestyle choices
Previously:
• Health plans focused on disease management
• Emphasis placed on those already ill
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The Impact
75% of healthcare costs are attributable to chronic conditions caused by modifiable risk
factors – primarily obesity, sedentary lifestyles, and smoking.
Centers for Disease Control
The Impact of Poor Health
• 50% of health care costs are preventable
• 60-80% of costs are incurred by those with chronic illness
• 50-80% of all premature deaths and illnesses in the U.S. relate directly to unhealthy lifestyle habits
• 50% of costs are generally from 5% of membership
Medical Trust Promotes Healthy Changes
The biggest impact we can make as a nation to our healthcare dilemma is by making lifestyle changes
Small Changes, Big Difference• Campaign to raise awareness and encourage healthy lifestyle
changes
Recent studies show small changes can have significant impact on one’s overall health
Being aware of your health status is the first step – know your numbers! • Blood pressure• Glucose• Cholesterol
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Taking Control of Our Health
Living a healthy lifestyle is not just a good idea it, has become a national imperative
The New ‘Fountain of Youth’
Physical activity is one of the greatest bargains this world has ever known
If physical activity were a pill it would be the single most effective medicine
By walking 30-45 minutes on most or all days you can delay disability by 10-12 years
How long does it take for the body to begin experiencing the benefits of exercise? About 30 seconds!
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Can we improve our overall health?
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Eating Healthy
5-a-day →
Choose beverages wisely. →
Reduce saturated fats and try to eliminate trans fats. →
Eat complex carbs instead of fast-acting carbs. →
Love that protein! →
Add color to your diet with fruits and vegetables.
Avoid too much sugar and artificial sweeteners, and drink water.
Plant oils, nuts, and fish are the healthiest sources.
Whole grains are best. Avoid white flour foods.
Fish, Poultry, nuts and beans are the best choices.
What is one thing you can do in the next 24 hours…
…..that will start you on the path to better health?
Health & Wellness – A Lifelong Journey not a Destination
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Our struggle…….
Why? Times Have Changed
Taking Personal Responsibility
•Think like a consumer when it comes to health care and take personal responsibility for:
– Improving your own health
– Managing costs both to yourself and your plan
– Making thoughtful decisions when choosing coverage during enrollment and using coverage throughout the year
Visible Cost of Health
Care
Real Health Care Costs
Our Commitment to Wellness
• Network preventive care coverage– Preventive care at $0 copay– 3 annual dental cleanings/oral examinations– Annual vision exam $0 copay
• Health Fairs, Monthly “Health & Wellness News” mailings
• Nutritional Counseling, Smoking Cessation
• Outstanding Mental Health benefits
• Partnering with vendors that offer:– World class informational web access– 24 hour nurse lines in all plans– Condition and case management
Resources
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Your ID Cards
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Vendor Websites
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Getting Help: Contacts
Empire BlueCross BlueShield
•(800) 352-3152
•www.empireblue.com/medicaltrust
CIGNA Dental
•(800) 224-6224
•(800) CIGNA24
•www.cigna.com
Express Scripts (Medco)
•(800) 841-3361
•www.express-scripts.com
Cigna Behavioral Health (& EAP)
•(866) 395-7794
•www.cignabehavioral.com
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Getting Help: Contacts
EyeMed Vision Care• (866) 723-0512
• www.eyemedvisioncare.com
Health Advocate• (866) 695-8622
• www.healthadvocate.com
FrontierMEDEX• (800) 527-0218 (U.S., Canada, Virgin Islands, Bermuda)
• (410) 453-6330 (All other locations – call collect)
• www.frontiermedex.com
HearPO• (888) 432-7464
• www.hearpo.com
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Client Engagement
Recommended sequence for problem resolution:
1st: Call Vendor for most benefit-related issues
2nd: Call Health Advocate
3rd: Call Medical Trust
We are here to serve our members
Monday through Friday:8:30am to 8:00om Eastern
Telephone Direct Toll Free
1-800-480-9967
Email: [email protected]
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The Medical Trust Website
Our website is open 24 / 7 / 365 for members to:
Access and print forms, handbooks, and other information and documents
Access updated information relating to plans
Access a wide variety of information and resources other than healthcare related
www.cpg.org/mtdocs
The Church Pension Fund and its affiliates do not provide, and none of the information furnished in this presentation should be viewed as, investment, tax, legal or other advice. Your personal decisions should be based on the recommendations of your own professional advisors.
This presentation is provided for your informational purposes only. In the event of a conflict between the information contained in this presentation and the official plan documents or insurance contracts, the official plan documents or insurance contracts will govern. The Church Pension Fund and its affiliates retain the right to amend, terminate or modify the terms of any benefit plans described in this presentation, consistent with applicable law.
Important Notice
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Thank You!
Questions?
