Active Clergy & Lay Employee Health Insurance

The Board of Pensions offers a health plan to all clergy and conference staff working 30 hours or more per week, including spouses/domestic partners and dependent children. Local churches may offer benefits to full-time lay employees but may decide on their own eligibility and premium cost sharing rules.

Plan Types

There are three plan options available to eligible employees. Visit our Active Plan Comparison page for a side by side comparison of the main benefits or the Active Plan Premium page to learn more about premium costs. All are considered high-deductible plans; however, only the Kaiser Permanente and the Sutter Health Plus plans include a health reimbursement account (HRA).  NonStop Wellness administers the HRA, which covers all of the deductible, most in-network copay and deductible costs, excluding the last $1050 (Kaiser Permantente) /$1000 (Sutter Health Pluse ) of the out of pocket maximum, specialty medications and emergency room visits.

Contact the Board of Pensions for a full Benefits Guide created by NonStop Wellness.

Kaiser Permanente Health Maintenance Organization (HMO) (click for a Benefits Summary)

  • Pro: Lower premium cost for the church and most bills are paid with debit card provided by the HRA.
  • Con: Must go to a Kaiser Permanente facility and option is limited to certain regions in California only.

Click here for the Kaiser Permanente benefits summary.

Participant Cost Share:

  • Clergy only -  $1000 per year through payroll deductions plus the final $1050 of the out of pocket maximum
  • Clergy plus one - $1200 per year though payroll deductions plus the final $2100 of the out of pocket maximum
  • Clergy plus two (or more) - $1400 per year through payroll deductions plus the final $2100 of the out of pocket maximum

Learn how the Health Reimbursement Account works to reduce your out-of-pocket expenses with Kaiser Permanente.

Sutter Health Plus (HMO)

  • Pro: Lower premium cost for the church and most bills costs are paid through an HRA.
  • Con: Limited provider options and not available everywhere

Participant Cost Share:

  • Clergy only -  $1000 per year through payroll deductions plus the final $1000 of the out of pocket maximum
  • Clergy plus one - $1200 per year though payroll deductions plus the final $2000 of the out of pocket maximum
  • Clergy plus two (or more) - $1400 per year through payroll deductions plus the final $2000 of the out of pocket maximum

Learn how the Health Reimbursement Account works to reduce your out-of-pocket expenses with Kaiser Permanente.

Blue Shield of California Preferred Provider Organization (PPO) 

  • Pro: Offers flexibility in choosing providers in and out of network. Is available in all states and regions
  • Con: Much higher participant cost share.

Click Here for the Benefits Summary

Cost Share Amount

  • Clergy Only - $6,696 plus all deductible and out of pocket expenses
  • Clergy plus one - 12,792 plus all deductible and out of pocket expenses
  • Clergy plus two (or more) - 50,647 plus all deductible and out of pocket expenses

Participants will also be responsible for all out of pocket costs, including deductibles and prescriptions.

Who is Eligible?

  • All active  Conference clergy members
  • All local pastors and clergy of other denominations, who are under full time Episcopal appointment to serve a local church within the bounds of the Conference
  • Full time  lay employees of:
    • the Conference
    • local churches within the Conference
    • interdenominational agencies in which the Conference participates.
  • All Conference clergy members who are appointed to Medical leave, from an appointment with pension and benefit claim on the Conference and whose disability benefit shave been approved by Wespath. In order to remain a health plan enrollee, clergy members who are appointed to Incapacity leave must enroll in Medicare parts A and B when eligible.
 

How to Enroll

  1. Complete the appropriate enrollment form.
  2. Return it to the Board of Pensions  NOTE: An authorized person from the church must submit this request for lay employees.
  3. The Board of Pensions staff will enroll you in health, vision and dental coverage and with NonStop Wellness.