Salaries & Benefits

Welcome to DIOPA Benefits

The Episcopal Diocese of Pennsylvania offers a range of health and welfare benefits to clergy and eligible lay employees of affiliated organizations. Please access information regarding those benefits and their administration using the links below.

Additional links will be posted soon.

 

Dear Colleagues:

 

This letter contains important information about your health benefits for 2015. Please read it carefully and contact us with any questions.

Our online Open Enrollment for your 2015 health benefits will run from Oct 6th to Oct 30th 2014.

 

Medical Plans

We are offering the following medical plans to our employees through The Episcopal Church Medical Trust (Medical Trust).

 

Medical Plan / Monthly Rates

Single

Employee + Spouse

Employee + Child/ren

Family

Anthem BCBS

 EPO 100

$836

$1672

$1505

$2508

Anthem BCBS

EPO 80

$744

$1488

$1339

$2232

Anthem BCBS

EPO 90

$787

$1547

$1417

$2361

Anthem BCBS

High Deductable  HP

$545

$1090

$981

$1635

Anthem BCBS

MS EPO 100

$671

$1342

$1208

$2013

Anthem BCBS

MS EPO 80

$568

$1136

$1022

$1704

Anthem BCBS

MS EPO 90

$647

$1294

$1085

$1809

 

Please be aware that Empire Blue Cross Blue Shield is now Anthem Blue Cross Blue Shield. Continue to use your Empire insurance cards through the end of the year. As of the first of the year, use your new Anthem insurance card which you will receive by mail.

Employers must continue to fund the HSA for their employees who select the High Deductible Health Plan for 2015. The Diocese recommends that the minimum premium level paid by employers in the diocese be the Anthem BCBS EPO 80 or the High Deductible Health Plan Health (HDHP) with a fully funded HealthSavings Account (HSA). Employers may offer any level of contribution toward the premiums for the plan(s) offered, but the Diocese encourages employers to offer the same contribution to all employees (lay and clergy). The parity provisions of the DHP will not be mandatory until January 1, 2016.

 

Dental Plans

The following Cigna dental plans are also offered through the Medical Trust:

 

Dental Plan / Monthly Rates

Single

Employee + Spouse

Employee + Child/ren

Family

Preventive Dental

$21

$42

$38

$63

Basic Dental

$39

$78

$70

$117

Dental & Orthodontia

$51

$102

$92

$153

 

Plan Documents

2015 Summaries of Benefits and Coverage and 2014 Plan Handbooks have more information about the available plans and may be found on the Church Pension Group website at www.cpg.org/mtdocs.  (Plan Handbooks will be updated on the website in January 2015.) An explanation of plans can also be found below.

 

Not a Member and Want to Enroll?

If you are not currently participating in a Medical Trust plan and would like to enroll, please review the plan options in this letter, and go online to www.cpg.org, select active clergy or lay, then Health to explore the plans and benefits. You will not receive a letter from the Medical Trust, so please contact me to request an enrollment form or to ask any questions.

 

Current Members

You will receive a letter from the Medical Trust approximately one week before Open Enrollment begins. This letter will have information regarding when and how to access the Open Enrollment website. 

 

IMPORTANT NOTE: For 2015, you will no longer receive a unique user name and password specifically for Open Enrollment. Instead, you will use the same user name and password you created to access your benefits information on MyCPG Accounts to access the enrollment web page as well. If you have not already created an account on MyCPG Accounts, please do so at your next opportunity. For assistance, contact the Client Services Team at (800) 480-9967, Monday to Friday, 8:30 AM – 8:00 PM ET (excluding holidays). Or, email mtcustserv@CPG.org.

 

Begin reviewing your options now if you are considering a plan change or considering enrolling in a Medical Trust Plan. Research alternate plans prior to the Open Enrollment period to allow yourself time to make your decision. This is also the time of year when you may add eligible dependents to your plan or remove eligible dependents from your plan without the need to demonstrate a qualifying event. 

 

Not Making Any Changes to Your Plans?

Even if you do not want to make changes to your health plan, it is important for you to log in to the Open Enrollment website to check that your personal information is correct for yourself and your dependents. You can submit any corrections through the online system and/or by notifying me.

 

Employee Assistance Program (EAP) with Cigna Behavioral Health 

In addition to the health plans, your employer also offers a stand-alone EAP plan for qualified employees who have spousal or other qualified coverage that is not through the Medical Trust. (The EAP is already included as part of each medical plan offering.) This outstanding program covers your entire household.

 

Be aware that EPO 100 will no longer be offered by DioPa beginning in 2016, so you may want to consider stepping down your coverage this year in anticipation of that event.

Rates for retirees will be forthcoming from CPG.

If you have any questions, please don’t hesitate to contact us.

 

Faithfully yours,


The Rev. Canon Lucy S. L. Amerman
Canon to the Ordinary for Pastoral Services
Episcopal Diocese of Pennsylvania

3717 Chestnut Street, Suite 300

Philadelphia, PA 19104

 

 

 

The Rev. Edward Shiley

Chair, Benefits Committee

Commission on Clergy Compensation

and Employee Benefits

 

APPENDIX: Medical Trust plan change highlights

 

The explanations in this appendix are provided by the Episcopal Church Medical Trust.

 

2014 plan changes

 

Effective September 15, 2014, the Express Scripts prescription drug benefit will exclude certain compound medication products that have little or no proven clinical value in relation to their higher cost. The U.S. Food and Drug Administration (FDA) defines a compound medication as one that requires a licensed pharmacist to combine, mix or alter the ingredients of a medication when filling a prescription. The FDA does not verify the quality, safety and/or effectiveness of compound medications. Impacted members have been notified directly.

 

2015 plan changes

 

The Medical Trust continues to review and refine our multi-year plan array strategy. Our work leading into 2015 focused on some primary themes:

 

  • Ongoing compliance with the guidelines of the Affordable Care Act
  • A focus on sound medical necessity principles and clinical evidence defined as:
    • clinical appropriateness, meaning the type, frequency, extent and duration of service appropriate for the individual
    • clinical effectiveness, meaning the treatment of illness, injury, disease or symptom is proven to be clinically effective
    • cost effectiveness, meaning the treatment or service is not more costly than the alternative recommended with equal therapeutic and diagnostic results.

 

An overview of the key 2015 plan change highlights is below. Specific coverage criteria will be provided in more detail in the 2015 plan handbooks.

 

  • Medical Management programs will be implemented with all vendors to support stronger medical necessity and outcomes-based criteria. This enhancement may result in certain services requiring prior authorizations that are presently not required. Our aim is to continue to allow members to obtain necessary treatment, and to ensure clinically sound, cost-effective treatment and services are received. This approach will be conveyed to members through a variety of means, including open enrollment and web-based materials, plan documents, and communications from our vendors and providers.
  • Medical/Behavioral Benefits:
    • Infertility treatment will be considered a covered benefit with a lifetime limit of $10K for medical services
    • Applied Behavioral Analysis (ABA Therapy) for children with Autism Spectrum Disorder will be considered a covered benefit under behavioral health
    • Medical transition benefits for transgender clients, including gender reassignment surgeries and hormone replacement therapies, will be considered a covered benefit
    • Dialysis will become a network-only benefit for new patients. Allowances will be made directly with the vendor for members with network access limitations due to distance from network facilities and for those currently in treatment.

 

  • Prescription Drug Benefits:
    • Rx annual out-of-pocket (OOP) maximums will be added to all plans. The maximums will be as follows:
      • Network: $2,500 single and $5,000 family
      • Out-of-Network: $2,500 single and $5,000 family

Now, OOP pharmacy costs will count toward the total OOP maximum in each plan, easing financial exposure for members with multiple copays that do not currently count toward any accumulator.

  • Additional healthcare reform-related enhancements on oral contraceptives covered at $0 copay
  • Infertility treatment will be considered a covered benefit with a separate lifetime limit of $10K for related prescription drugs
  • Express Scripts National Preferred Formulary (Preferred Prescriptions) will be updated to include additional exclusions that will impact less than 0.2% of members, while continuing to ensure clinically sound, cost-effective drugs are available to members to drive greater savings, in part by minimizing brand inflation and by reducing the use of coupons and non-preferred brands.

 

  • Empire BCBS will shift to the Anthem Blue Cross and Blue Shield name/brand, which will result in the same service quality and National PPO network access, but with a new name, member services phone number, ID cards, website and out-of-network claim filing address. More information will be provided as this change is rolled out to members, but where you have seen Empire BCBS historically in our materials, you will now see Anthem BCBS.

 

The Medical Trust will also be increasing communication and promotion of vendor websites to steer members to the use of preferred network providers.

 

Health

2015 Medical Plans

2015 High Deductable Health Plan and HSA

2014 Benefit Plan Update

2014 Retiree Medical Plans

2014 Retiree Medical Rates

Mailing Addresses

Administrative
Episcopal Diocese of Pennsylvania
3717 Chestnut Street, Suite 300
Philadelphia, PA 19104

Premium Payments
Benefit Development Group
PO Box 190
Selma, AL 36702

Compensation

Visit the Calculator

Download Clergy Compensation for 2014

Commission on Clergy Compensation and Employee Benefits Handbook

So You Are About To Retire…

One Year Before You Retire…

  • Contact Pension Services at 1-866-802-6333 and arrange a visit to their New York Office to get a complete update on what you can expect at retirement, and to make sure your Years of Credited Service and Income Credited are correct.
  • You should actually have been checking the Annual Personal Information Summary Reports that are mailed to you in January of each year, since it is easier to correct a problem when it happens than ten years afterwards when parish administration and clergy are totally different!

Six Months Before You Retire…

  • If you are a Rector, notify the Canon for Transitional Ministries
  • Make sure you (and your spouse) have a copy of your Birth Certificate. You may need that to apply for Social Security and Medicare. (Medicare at 65, Social Security 65 to 67)
  • Advise the Chaplain to the Retired, Lloyd Winter of your plans and arrange a visit with you (and your spouse.)

Three to Four Months Before You Retire…

  • Apply for Social Security and Medicare Parts A and B only, if you haven’t already done so 1-800-772-1213 – www.socialsecurity.gov
  • In many cases, retirees over 65 have already applied for Social Security and/or Medicare Part A, in which case, they need only to apply for Medicare Part B. This can usually be done with a phone call

Three Months Before You Retire…

  • Apply for your Retirement Pension with the Church Pension Fund at 866-802-6333.
  • As soon as you have (1) applied for retirement the Church Pension Fund and (2) received your Medicare Card or a Letter evidencing that you have both Medicare Parts A & B, contact the Post Retirement Health Benefit Customer Engagement Center to sign up for Part B Retiree Supplemental Insurance. The form will need to be signed off by the Diocesan Office, c/o Diocesan Health and Welfare Benefits Trust, Church House, 3717 Chestnut Street, Suite 300, Philadelphia, PA 19104.

Special Notes:

1. If at retirement you are 65 and your spouse is younger, and you and your spouse have been enrolled in one of the Diocese’s health plans, you will need to enroll your spouse in a single subscriber Health Plan offered by the Diocese for active clergy.

2. If your spouse turns 65 before you do, and you have not retired, your spouse should remain on you Diocesan plan until you retire, since it is your Retirement which triggers eligibility for the Medicare Supplement with CPG.

3. If your spouse turns 65 before you do, and you have retired (regardless of whether you are eligible for Medicare yet or not), you will need to enroll  your spouse with the Medical Trust and continue as a Single Subscriber on the Diocesan active clergy plan.

 

 
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