Medical Benefits Summary
The Medical Trust makes three types of plans1 available to Episcopal institutions that they, in turn, can offer to eligible individuals and their eligible dependents:
- Preferred Provider Organization (PPO)
- Consumer-Directed Health Plans (CDHPs)* designed to work with a Health Savings Account (HSA)
- Exclusive Provider Organization (EPO)
- Medicare Secondary Payer (MSP) Small Employer Exception (SEE) plans
These plans provide medical, behavioral health, pharmacy, vision, and hearing benefits plus additional services like telehealth, travel assistance, and an employee assistance program (EAP).
*These plans are “high deductible health plans” (HDHPs).
Medical Benefit Highlights
Our plans feature comprehensive benefits that generally cover:
- Doctor visits
- Preventive care
- Inpatient and outpatient care
- Maternity care
- and more.
Details About Your Existing Health Plans
Members should log in to MyCPG Accounts to find:
- Summary of Benefits and Coverage (SBC)
- Plan Document Handbook
- Covered individuals
All Medical Trust plan documents are available in our Forms & Publications library.
Care Coordination from Quantum Health
The Medical Trust has contracted with Quantum Health (Quantum) to enhance the benefits of its plans that use the Anthem and Cigna networks.
Learn more about Quantum Health.
In December 2024, Anthem and Cigna members will receive new ID cards with a NEW plan number, which they MUST use for medical, behavioral health (including the EAP), and prescription (Express Scripts) services. Their old cards will not work after 12/31/2024.
Pharmacy Benefits
Our health plans include a comprehensive prescription benefit with significant savings. Members enrolled in a medical plan that uses the Anthem or Cigna network can fill medications at retail pharmacies that participate in the Express Scripts network and through Express Scripts’ home delivery service, which allows 90-day refills of maintenance medications.
To learn more, consult the Anthem and Cigna plan document handbooks. For pricing information, to download the formulary, and to find a participating retail pharmacy, visit Express Scripts.
If you’re enrolled in a Kaiser health plan, Kaiser will provide your pharmacy benefits. Visit kp.org for details.
Behavioral Health
Your medical coverage includes integrated benefits for behavioral health and substance use disorder plus an employee assistance program (EAP) through Cigna.
The EAP is a free and confidential 24/7 service that offers immediate help, referrals, and online resources for a range of emotional, family, financial, and legal issues. All members—including those in Anthem and Kaiser plans—receive EAP benefits through Cigna.
EAP includes access to Talkspace, a platform that connects individuals 13 and older with licensed therapists or psychiatrists online, by video, or via text.
To access these services, call (866) 395-7794 or sign in to myCigna.com (employer ID: episcopal).
1 Some plans may not be available in all locations or to all groups. Consult your Benefits Relationship Manager with any questions.
Administrator Education – Health and Wellness
Try this eLearning course, or visit the Administrators' Resource Center (ARC) to find more information, guides, and resources to help you do your work.
Healthcare Benefits
About This Course
As a benefits administrator, your responsibilities include assisting employees with health benefits, recognizing and processing events that affect these benefits, and performing administrative duties like completing annual plan selection. You will learn:
- Types of health benefits offered through the Medical Trust
- How to find which plans are available to your employees
- Your key responsibilities related to these benefits
- Sources of information and resources available to address employee questions and needs
Duration
Approximately 30 minutes
You will be redirected to a new tab for live remote support. Please confirm you're on a call with a Client Services team member to continue.