Health Benefits

2025 Health Benefits Overview

All clergy and lay employees who are scheduled to work more than 1,000 hours annually are eligible to receive health insurance benefits through the Episcopal Church Medical Trust. All employees who are scheduled to work more than 1,500 hours annually must be provided health coverage for the employee and his or her immediate family and dependents through the Episcopal Church Medical Trust, unless a qualified waiver has been approved. 

ECMN will also continue to offer one additional plan for eligible employees age 65 or older who are also enrolled in Medicare Part A. If you qualify for this plan, you would fall under the Medicare Secondary Payer/Small Employer Exception (MSP/SEE) Rule. To receive this benefit, you must be enrolled in Medicare Part A and choose the Anthem PPO MS 80/90 plan. Once enrolled, Medicare will be the primary payer for Part A (hospitalization) services. Once Medicare has paid its share, the claims will be sent to Anthem, who will then pay the claims as it would for any active employee, minus the amounts paid by Medicare and your deductibles and cost shares. All eligible claims for outpatient services will be paid by Anthem

Below you will find important details about our 2025 health benefits offerings and Annual Enrollment process. Please share this information with your employees. Our online Annual Enrollment for 2025 will run from October 16 to November 15, 2024. 

New Healthcare Coordinator for 2025

The Church Pension Group is introducing a new vendor Quantum Health (Quantum).

Quantum will be available during Annual Enrollment at 866-871-0629 to members enrolled or eligible to enroll if they need help understanding plan options or choosing the right plans for themselves and their dependents.   

Quantum will know the full array of plans being offered for 2025 but not the specific subset being made available to any one individual. Therefore, members who require assistance choosing a plan will need to know which options they can choose from before calling Quantum. Plan options and comparison information is linked below.

Quantum will issue one identification card which will be for medical, prescription, vision and behavioral health. Quantum is also where you'd go for health advocacy support as they can find in-network providers, verify coverage, get approvals, answer claim/benefit questions, coordinate treatment/care, review care options, look for the best costs to help members save on out-of-pocket and a lot more. 

Here’s a link of short Quantum introduction videos with more information.

Benefit Eligibility 

All exempt (salaried) employees are eligible for benefits, and access to benefit plans for non-exempt employees begins when an employee is scheduled for at least 1,000 hours annually. Employer provided benefits are required when an employee is scheduled for 1,500 hours annually.

During the Open Enrollment Period

• Current plan members may change their plan selections for the following year 
• Eligible non-participating employees have the option to join a plan
• Eligible non-participating dependents may be added to a member’s plan without the need of qualifying event 

Currently Enrolled Employees

Please inform your currently enrolled employees (plan members) that they will receive a letter from the Medical Trust approximately one week before the Annual Enrollment period. This letter will provide them with information on when and how to access the Annual Enrollment website, a benefits review, and links to important plan resources. In your communications, encourage your employees to begin reviewing their options, research plans early and contact Quantum to discuss their plan choice. Proper plan selection can eliminate benefit waste and keep annual premiums static.

Non-participating Employees

Existing employees who qualify for health coverage but are not participating in one of our plans are eligible to enroll themselves and/or their dependents during Annual Enrollment for the 2025 plan year. Please send a communication to these employees informing them of this option as well as the Quantum contact information, plans and rates available to them. You may use the enrollment form for new member enrollments and return them to Jennifer Gamberg (jennifer.g@episcopalmn.org) your Missioner for Finance.