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2022 MEDICAL PLANS

EPC Benefit Resources, Inc., offers five medical benefit plans that vary in richness from platinum to bronze levels, and include traditional and high-deductible plan options. This allows EPC churches and ministries to select plans that meet their health care commitment to their pastors and staff while working within their budget constraints. It is important to note that the EPC has established its own plans with customized coverages, so the program rates charged will never support procedures that are not ethically consistent with our values as Christians. Our traditional plans include Platinum, Gold, and Silver PPO Plans, and we offer Gold- and Bronze-level High-Deductible Health Plans (HDHP) that allow for use of Health Savings Accounts (HSAs).

All five plans utilize the broadest unrestricted national networks available through our plan administrators. These networks cover approximately 95% of all hospitals, doctors, specialists, and medical practitioners nationally and almost 100% of pharmacies. It is always to your benefit to select in-network service providers, whether it is a family doctor, specialist, hospital, lab, or an administration clinic. You can confirm that your provider is in-network simply by calling them, asking when you present your ID card, or by going to the medical or prescription program provider links provided below to see if the doctor, hospital, clinic, pharmacy, etc. is listed. If you select an out-of-network provider your benefit level will be reduced and you may see balance billing from a provider.

There is no requirement in any of our Plans to select a Primary Care Physician (PCP) to coordinate your care. Prescription drug coverage is automatically included when you enroll in a Medical Plan. All plans include wellness programs, 24/7 virtual doctor visits through telemedicine, and special assistance programs to support those with chronic or serious medical conditions, or who encounter medical emergencies. Please refer to the appropriate Summary of Benefits document for your Plan or the Medical/Prescription Drug Plan Document for more information on coverage levels.

Under the prescription benefit it is likewise important that you use an in-network pharmacy whenever you are filling a doctor’s prescription order. For users of longer-term supplies (90 day) of maintenance medicines you will receive the lowest co-pays by when utilizing a pharmacy in our administrator’s “Smart 90” network or their mail order home delivery service. For high-cost, specialty medication users, participants are directed to specialty pharmacies where pharmacists and clinicians will provide advice on usage and administration procedures for the medication. For our members utilizing such costly medications, the EPC offers a special benefit that covers some—and in many cases, all—of the co-pay costs. For more information on the EPC’s Prescription Drug Plan, see Appendix 7 of the Medical/Prescription Drug Plan Document or your individual Plan’s summary of benefits.

For your reference, the handy side-by-side comparison chart below shows the deductibles, co-pays, out-of-pocket limits, and coverages for each of the Medical and Prescription Drug plans. These coverages are identical to those provided in 2021.

MEDICAL/PRESCRIPTION DRUG PLAN DOCUMENTS

For more information on coverage levels, see the Summary of Benefits documents below.

Platinum PPO

Summary of Benefits

Gold PPO

Summary of Benefits

Silver PPO

Summary of Benefits

Gold HDHP

Summary of Benefits

Bronze HDHP

Summary of Benefits

MEDICAL PLANS RESOURCES

Information provided in this web site does not constitute legally binding advice. EPC benefits are subject to the provisions of the Medical Plan and Retirement Plan documents available on this web site or in print from EPC Benefit Resources, Inc. (BRI), 5850 T.G. Lee Blvd., Suite 510, Orlando FL 32822. For more information, contact BRI at benefits@epc.org or 407-930-4492 (voice and fax).

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