The Holston Conference’s health plan is a self-insured plan that is administered through Blue Cross Blue Shield of Tennessee. All appointed clergy who serve at least 3/4 time and all full-time lay employees (average 30 hours per week) and their spouses and dependents are eligible to participate in the health insurance plan. Every active clergy member under Episcopal appointment within the Holston Conference must be enrolled in the active clergy Health Insurance Plan, except where equivalent coverage is available under a spouse’s group plan and proof of other creditable group coverage is provided. For more information about eligibility, please see page 117 in the 2019 Book of Reports.
At enrollment time, participants can change plan elections and previously ineligible/non-participating clergy and lay may enroll for the upcoming calendar year. Enrollment may take place during the plan year for those who are newly hired or who have lost other coverage through a qualifying event.
Review the information provided here, and if you have any questions, please contact Julie Graham by email or phone, 865-293-4136.
Watch this helpful video explanation of PPO vs. HSA
Both of our medical plans use the same network of providers. While most participants will use the “S” network of providers, participants in a few areas in Tennessee may choose the “P” network. If you are unsure if your doctor is in the “S” network, the best thing to do is to call them and ask. You may also use the “Find A Doctor” tool on the Blue Cross Blue Shield of Tennessee website.
A PPO Plan features set co-pays for certain different types of services, lower deductibles than a HDHP/HSA plan, and higher monthly premiums.
An HDHP/HSA plan features a lower monthly premium, higher deductibles, and potential tax savings.
Requires opening a Health Savings Account at either Health Equity or Holston Methodist Federal Credit Union. If you choose Health Equity, the conference benefits office will open the account for you. If you choose HMFCU, then you will need to set up your account with them and notify the conference benefits office of your account number.
The Holston Annual Conference contributes $600 for individual coverage or $1,200 for family coverage to your Health Savings Account in January, and you elect to have money deposited into the account from your paycheck. You will receive a payment card linked to your Health Savings Account that you will use when you incur medical expenses. These funds will remain yours to keep, if not spent.
The Holston Conference offers pre-tax Flexible Spending Accounts to help cover medical expenses (MRA) and dependent care expenses (DCA). These accounts are offered through Progressive Benefits Solutions (PBS) and follow strict IRS guidelines.
The maximum you can contribute to a Medical FSA is $2,750 per year. The maximum you can contribute to a Dependent Care FSA is $5,000 (see IRS guidelines based on your filing status). These deposits must be used annually and will not be returned to you if unused.
Once you are enrolled in the Health Insurance Plan, you can log into Blue Cross Blue Shield of Tennessee at www.bcbst.com, set up an online account. You can see your claims status, your annual deductible amounts, search for doctors, view detailed plan benefits, change your address and order new cards, and more.
You can also take advantage of a convenient program called PhysicianNow which allows you to have a doctor’s appointment from the comfort of your own home. When you use PhysicianNow, your co-pay is only $15 for those on the PPO plan and $40 for those on the HDHP.
I understand how confusing choosing your health insurance options can be. The alphabet soup of acronyms is enough to make your head spin! If you have any questions at all about benefits, please reach out to me by email or by phone at 865-293-4136. - Julie Graham