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.

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 The plans offered vary. Check with your employer for the health plans available to you. Consult your Summary of Benefits and Coverage and Plan Document Handbook (in the Health Plans section of your MyCPG Accounts) for details about your current coverage.

Make the Most of Your Benefits – Health and Wellness

Try this resource, or visit the Learning Center to find out how to manage your healthcare and cultivate a healthy body and mind.

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