Our Churches Clergy Directory Districts Staff

Active Members Health Plan

 Anthem Logo



The Kentucky Conference Board of Pension and Health Benefits has a partnership with Anthem Blue Cross and Blue Shield as our claims administrator.

 

The Board of Pensions and Health Benefits of the Kentucky Conference offers Active health plans for clergy and lay employees who are employed by a local church or other affiliated institution(s). Anthem’s Lumenos High Deductible Health Plan (HDHP) offers each member a health savings account (HSA), which never expires, to help cover out-of-pocket expenses. The HSA is administered by Mellon Bank (BenefitWallet) through 12/31/18. Effective 1/1/19, the HSA will be administered by Anthem through Act Wise. 

Clergy who retire and are not yet Medicare eligible may also choose to remain covered under the Active health plans until such time as they become Medicare eligible. Coverage will continue under the same plan that the member was enrolled in while still active and the retiree will be responsible for contributing 1/2 the premium cost. Once the retiree becomes Medicare eligible, assuming the clergy person meets the eligibility requirements, he or she will transition to the Retired Members Health Plan administered by OneExchange. 

 

Eligibility: All full-time and part-time clergy (elders, deacons, and local pastors), full-time diaconal ministers and full-time lay employees are eligible to enroll in the Conference Health Plan (2015 Conference Journal p. 376).

  • All full-time clergy serving a local church are required to participate in the Conference healthcare plan. Churches will be billed the full monthly premium rate by the Conference for each person enrolled in the plan.
  • Deacons are not generally eligible to participate in the Conference healthcare plan unless the local church or applicable employer affirmatively adopts the plan as the health coverage offered to deacons.
  • Part-time local pastors and full-time lay employees are eligible to enroll on an optional, voluntary basis. The contribution cost of the plan is paid by the employee (unless the church or participating institution elects to pay all or a portion of the cost).
 

2019 Active Health Plan Rates

  SILVER HDHP GOLD HDHP
Plan Type Employee Cost Monthly Premium Employee Cost Monthly Premium
Employee Only N/A $1,053 $162 $1,215
Employee + Spouse $369 $1,422 $588 $1,641
Employee + Child(ren) $158 $1,211 $344 $1,397
Family $527 $1,580 $770 $1,823

The 2019 employer contribution for the conference health plan is $1,053 (Silver-Employee Only). 

Plan Type: Who is eligible for coverage under the plan

Premium: The total cost (per month) for the selected plan type

Employee Cost: The portion of the premium that the employee is responsible to pay. Employers can choose to withhold the employee cost through a payroll withholding or can pay the employee cost on behalf of the employee.

Click here for information on dental and vision insurance.


Health Savings Account (HSA)

 

Employer Contribution

For the 2019 plan year, an employer contribution of $750 (Employee Only) or $1,500 (EE+Spouse, EE+Child(ren), Family) will be made to each participant’s HSA. This contribution will be fully funded on the first business day of the plan year. Remember, the employer contribution should be counted towards your annual contribution limit.

Employee Contribution

To make pretax contributions to your HSA in 2019, you will select your contribution by submitting the HSA Employee Contribution Form or through the online Open Enrollment website. Remember, you can make a change to your HSA contribution at any time during the year by completing an HSA Employee Contribution Form and submitting to the Conference Benefits Administrator.

Maximum Contribution Limits (this includes the employer contribution)

Plan Type 2018 2019 Change
Single $3,450  $3,500  + $50
Employee + Spouse $6,900  $7,000  + $100
Employee + Child(ren) $6,900  $7,000  + $100
Family $6,900  $7,000  + $100

*If you are 55 or older, you are eligible to contribute an additional $1,000 above the regular limits (called a catch-up contribution).

ActWise

Anthem is bringing their HSA management in-house beginning January 1, 2019. They will be using a platform they call ActWise and have partnered with PNC to be the custodian of the HSA funds. This is the account you will see when you log in to your Anthem account as well as the account the conference will use to fund your monthly contributions and the annual employer contributions.

ActWise Member Portal Guide

HSA Self-Transfer Guide

ACS-BNY Mellon (HSA) expiring 12/31/18

While Anthem is terminating it's relationship with BNY Mellon (Benefit Wallet), this does not mean unused HSA balances will be forfeited. Any unused balanced with BNY Mellon may be handled in one of the following ways:

  1. Transferred into your new ActWise account via bulk transfer being facilitated by the CBOP (this option is free of charge to participants). Complete the HSA Transfer Form and return it to the Benefits Office by mail or to benefits@kyumc.org by January 15, 2019. You will need your new account number with ActWise (PNC) to complete the form.
  2. Transferred into your new Act Wise account by you, the participant, at a cost to you.
  3. Do nothing with the funds that are remaining at 12/31/18. The funds will not go away, but they will not be linked to your anthem account when you log in. You can still log in directly through the My Benefit Wallet website. You can continue to spend the funds until the account is empty. Keep in mind if you choose this option you will have 2 HSA accounts open until the My Benefit Wallet account is emptied.

HSA FAQ – Learn more about how your HSA works and what tax forms you need to complete at the end of the year

ACS-BNY Mellon Customer Service: Call 1-877-472-4200 or access your account information online by visiting www.mybenefitwallet.com.

The address for mailing check contributions is:

Benefit Wallet

PO Box 535161

Pittsburgh, PA 15253-5161


Anthem Preventive Care Benefits

The Kentucky Conference's Active Health Plan covers preventive services - like shots and screening tests - at no cost to you. It is important to remember that these services are only free when delivered by a doctor or other provider in your plan's network.

For a list of preventive services covered by both Anthem plans, click here


Prescription Drug Plan Benefits

The Kentucky Conference offers Anthem Home Delivery Choice to members. Home Delivery Choice offers members a convenient and safe way to get the medicines they take on a regular basis for a long period of time. It is covered under your health plan at no extra cost. In many cases, members save on drug costs with home delivery since 90-day supplies cost less than 30-day supplies at a retail pharmacy.

Enroll in Home Delivery Choice - Includes information about program and step-by-step guide for enrolling in the program

Prescription Drug List - List of drugs that members are eligible to receive through the Home Delivery Choice program

National Drug List Medication Alternatives (revised 10/1/2017) - The NDL is a list of prescription medications approved by the FDA and reviewed by Anthem. This chart shows drugs not on the NDL and their preferred alternatives.   

Retail 90 Rx - Anthem is rolling out this opportunity to have 90-day supplies of certain prescriptions filled in either your pharmacy or via home delivery. It’s a convenient way to stay on top of the medications you take regularly. When using the home delivery option, a 90-day prescription can often cost less than three 30-day prescriptions.


Forms

Anthem Enrollment Form – For new enrollments or to add dependents. DO NOT use this form to make changes to dental or vision benefits. To enroll in or make changes to your existing dental and/or vision plans, please click here.

Anthem Change Form - For making changes to your existing coverage, including removing dependents.

HSA Employee Contribution Form - To make annual contributions to your HSA account with ActWise.

2019 Payroll Withholding Summary - An easy way to provide your church treasurer with a summary of your 2019 plan elections.


Summary of Benefits

 

Summary of Benefits and Coverage - provides information on what the plan covers and what you pay for covered services.

2018:

2018 Silver Plan SBC

2018 Gold Plan SBC 

2019:

2019 Silver Plan SBC

2019 Gold Plan SBC

Plan Summary - includes deductibles and covered services

2018:

2018 Silver Plan Summary 

2018 Gold Plan Summary 

2019:

2019 Silver Plan Summary

2019 Gold Plan Summary

 

PreventiveRx Plus Plan 1/1/2017 - List of drugs covered at 100% for members on the HDHP

Anthem Member Services: 1-888-224-4902

 


Qualifying Life Event FAQ

If you experience a Qualifying Life Event (QLE), you may be eligible to make changes to your benefit elections outside of the annual open enrollment period. To learn more about what meets the requirements of a QLE, click here.

If you do meet the requirements of a QLE, you will need to complete the enrollment form for the plan (health, dental and/or vision) and submit to the Benefits Administrator. In addition to the enrollment form, you must also submit appropriate corresponding documentation of the QLE (marriage license, divorce decree, birth certificate, proof of other coverage, etc).


Q: How do I inform my local church treasurer/church administrator about my benefits elections and payroll withholdings for 2019?

A: Once you have finalized your 2019 elections (even if you are not making any changes), you can complete the 2019 Payroll Withholding Summary and return to your church treasurer/administrator. Please keep in mind that completing this form DOES NOT enroll you in any of the health or retirement savings (UMPIP) plans. This form is a planning/informational tool to help your employer with your payroll withholdings.

 

 

 

For questions or additional information, contact the Benefits Administrator, at benefits@kyumc.org