2025 MEDICAL PLANS

For more 2025 Benefit Plans information, see the following pages:

Benefit Plans Information
2025 Medical Plans
2025 Prescription Drug Benefits
2025 Life and Disability Insurance
2025 Dental Plans
2025 Vision Plan
Other 2025 Benefit Programs
Retirement Plan
Church Administrator Resources
2025 Premium Rates
Newsletters
2024 Benefits Information

MEDICAL PLAN DOCUMENTS

For more information on coverage levels, see the Summary of Benefits and Detailed Benefit Description documents below.

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PROGRAMS FOR MEDICAL PLAN PARTICIPANTS

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PROVIDER NETWORK RESOURCES

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MEDICAL PLAN RESOURCES

You can retrieve your ID Card from your mobile device. Click the appropriate image below for information on how to download the Meritain Health app for your Android or iOS device.

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LOGGING INTO YOUR MERITAIN HEALTH ACCOUNT

Existing BRI Medical Plan participants can register and create a Meritain Health account. If you are a new user, you will need to register with these simple steps:

STEP 1

Go to www.meritain.com and click “Register.”

STEP 2

Select “Member” under “I am a” and enter your group ID #18191. Then, click “Continue.” You may be prompted to enter your ID number, which is found on your ID Card. 

STEP 3

Enter the following information, then select “Submit.”

• Member ID (located on your member ID Card).
• First name (employee, spouse, or dependent).
• ZIP code.
• Date of birth (mm/dd/yyyy).
• Group ID #18191.
• Last name (employee, spouse, or dependent).
• Email (personal address).

You will be prompted to create a username and password. Confirm your email address and you are done. You will be automatically logged into your new myMeritain account. The next time you log in, just use the same username and password from Step 3.

If you have not received your member ID card or having difficulty logging in, contact the Meritain customer service team at (800) 925-2272 from 8:00 a.m. to 7:30 p.m. (Eastern).

Are you registered but need a temporary member ID Card? You can view and print a temporary card by logging in to your Meritain Health account at www.meritain.com. In the “Benefits and Coverage” section, click on “ID Card.” You also can watch this brief video on how to view and print your ID Card:

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VIRTUAL PRIMARY CARE

BRI provides Virtual Primary Care through our administrator, 98point6. This service provides primary care physician visits, on-demand 24/7, from any location via text messaging using your mobile phone or smart device. Visits with 98Point6 physicians are available to employees and dependents ages 1 and older enrolled in any of BRI’s Medical/Prescription Drug, Dental, Vision, or Life Insurance plans.

The EPC has already confirmed Plan participants’ eligibility for 98Point6. Simply download the app on your smart device and register using the name on any of your EPC Benefit Plan insurance cards. You will have immediate access to the service if a medical question or health condition arises.

Click here for more information on 98point6, then select EPC Benefit Resources from the Select Employer selector.

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HIGH-DEDUCTIBLE PLANS AND HEALTH SAVING ACCOUNTS

IS A HIGH-DEDUCTIBLE HEALTH PLAN RIGHT FOR YOU?

If you enroll in the Gold HDHP or Bronze HDHP and are not yet Medicare eligible, you are eligible for a Health Savings Account (HSA). An HSA is a special, tax-advantaged savings account that allows you to pay for your qualified health expenses.

• Under the EPC Gold HDHP plan, the church contributes $1,000 for individuals and $2,000 for families annually to the HSA.
• Under the EPC Bronze HDHP plan, the church contribution amount is up to the employer’s discretion.
• In both cases you may make additional contributions to your HSA through payroll withholdings within certain IRS annual limits.
• You do not pay taxes on amounts withheld from your pay or on interest earned in your account.
• Use your HSA funds to pay for your deductible and other out-of-pocket costs under the medical plan.
• Your money rolls over year after year, so you build savings.
• It’s portable—the money stays with you even if you change jobs or retire.
• At age 65, you can use your funds for any expense. You may continue to withdraw money for qualified health expenses tax-free. You aren’t penalized if used for non-qualified medical expenses, but you will need to pay normal income tax.

You should carefully evaluate the coverages provided by a HDHP before enrolling, because there is always a large up-front deductible before the plan starts paying benefits. Thus the name: “High Deductible Health Plan.” If you are generally healthy—and stay healthy—there is an opportunity to build up a substantial income-tax-free savings in your HSA that can be used in the future to cover out-of-pocket medical and other health related costs. Being enrolled in an HDHP and having more of your own personal money at stake, you will want to take a more active role in your healthcare decisions because there is a wide range of fees charged for the same procedures and services depending on the doctor and facility chosen. If you have a chronic condition or expect to be incurring regular medical expenses, it is likely in your best interests to enroll in a traditional plan if you have not yet built up an HSA balance.

HEALTH SAVINGS ACCOUNTS

A Health Savings Account (HSA) is a tax-advantaged medical savings plan that is an integral part of the EPC’s federally qualified, High Deductible Health Plans (HDHP). By selecting an HSA-qualified HDHP plan, you are eligible to contribute tax-free money into a health savings account (HSA). Your HSA funds can then be used to pay for qualified medical expenses. The money in the account is yours, and the balance earns tax-free interest and carries over from year-to-year, even if you change jobs or retire. The EPC does not charge a fee to our HSA account holders for your account administration.

You can use a tax-free health account for a wide variety of expenses:

• Deductibles, copays, and coinsurance.
• Medically necessary expenses not covered by your health plan.
• Prescription drugs.
• Over-the-counter (OTC) drugs prescribed by your doctor.
• Some drugstore items, such as diabetic supplies and first aid.
• Dental and vision care services.
• Certain types of medical equipment.
• Other eligible expenses as designated by the IRS.

For more information on HSA federal regulations, visit www.irs.gov/publications/p502.

GETTING STARTED WITH A HEALTH SAVINGS ACCOUNT

If you are new to HSAs, follow these steps to optimize your account and put you on the pathway to building health savings.

Step 1: Log on

Sign in to the member portal by visiting www.my.healthequity.com If it is your first time logging in, select ‘Create user name and password’ and follow the step-by-step process to verify your account. Once you are logged in, complete the following:

• Add a beneficiary to ensure your HSA benefits your loved ones in the event of your death.
• Elect to receive eStatements to avoid a monthly statement fee.
• Navigate the portal and familiarize yourself with its features and capabilities. For a comprehensive portal guide, visit https://learn2.healthequity.com/epc/hsa/.

Step 2: Activate your debit card

Once your HSA is opened, you will receive a member welcome kit including a HealthEquity Visa® Health Account Card. Activation instructions are included in the envelope. You can also speak to one of our account mentors to activate your card and receive additional insight into your account. For more information, go to Healthequity.com, login to your member portal and explore the various member resources, or call 866-346-5800.

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HEALTH SAVINGS ACCOUNTS RESOURCES

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MACHINE READABLE FILES

The Departments of the Treasury, Labor, and Health and Human Services issued the Transparency in Coverage final rules (85 FR 72158) on November 12, 2020. The final rules require non-grandfathered group health plans and health insurance issuers in the individual and group markets (plans and issuers) to disclose certain pricing information. Under 85 FR 72158, a plan or issuer must disclose in-network negotiated rates and billed and out-of-network allowed through machine-readable files (MRFs). The link below contains these MRFs as required by 85 FR 72158.

https://Health1.Meritain.com/app/public/#/one/insurerCode=MERITAIN_I&brandCode=MERITAINOVER/machine-readable-transparency-in-coverage?reportingEntityType=TPA_18191&lock=true

Plans and issuers are required to make these files public for plan policy years beginning with 2022. This material is for information only. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional.

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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).