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Choosing the Right Healthcare Insurance for Church Staff at a
Price You Can Afford
Three Questions You Should Ask
How will Obama care affect the church insurance scene?
What should we provide for our staff? What Should We Expect to Pay?
Obama Care Essentials
This provision applies to individuals of all ages, including children and senior citizens
There are exceptions Vast majority who qualify must be covered Can apply to missionaries
Obama Care Essentials
Does the church have 50 employees? Is the church considered a control group?
Part time employees? If you do not 50 or more employees, you
do not have to provide insurance to your staff-all part-time, seasonal and variable employees
If you think you have 50 employees, go to this link to complete this process http://www.guidestoneinsurance.org/HealthcareReform2/EmployerMandate
If the calculator found that your ministry is not an applicable large employer, the provision does not
apply to your ministry. That means your ministry is not required to offer coverage to its full-time employees
What Constitutes Coverage?
An employer-sponsored plan (including COBRA and retiree coverage)
A government-sponsored program (such as Medicare, Medicaid, CHIP and TRICARE)
Coverage purchased in the individual market or on the exchange
A grandfathered health plan (GuideStone)
What are My Options?
You can keep your current plan You should consider GuideStone if you
are currently uninsured Possible better rates, better coverage Kingdom driven Individuals should enroll in a health plan,
such as GuideStone’s, by December 15, 2013.
http://www.guidestoneinsurance.org/Employers/Employee-Benefits-Package
Insuring Children
Based on family size and income www.healthyfamilies.ca.gov Check income guidelines to see if you
qualify Download application or apply online Pregnant women use the AIM insurance
until 60 days after child is born. Then child is enrolled in healthy families
for one year
What Should We Provide?
What the budget will allow What does each staff member actually
need (spouse or other insurance) Provide in the order of need: health,
dental, sight Church needs to provide disability
insurance What if all of your staff get their
insurance through another source?
How Much Should We Pay?
Get a cost comparison http://www.dmhc.ca.gov/dmhc_consumer/hp/hp_compare.aspx
Check with GuideStone http://www.guidestoneinsurance.org/Employers/Employee-Benefits-Package
Low cost insurance for children if you qualify http://www.healthyfamilies.ca.gov/Home/default.aspx
Medical Expense Reimbursement Plan
MERP is the same as HRA It’s a way to give tax free money that can
only be spent on medical expenses Church must have a policy; must be
specific as to benefit Church sets up MERP and insured buy
their own plans www.zanebenefits.com/blog/bid/97074
Policies may be found at [email protected]
What Questions Do You Have for Me?Rod WiltroutChurch Finance Specialist(559) 256-0858 direct line(559) 287-7840 [email protected]
www.csbc.com/financialmatters
Questions?
