Annual Enrollment for 2023 will run from October 12 to November 2, 2022.
For information about eligibility for the Episcopal Health Plan, the Episcopal Health Plan for Qualified Small Employer Exception (SEE) members, and the Group Medicare Advantage Plan refer to the Medical Trust Administrative Policy Manual.
No Changes to Current Plan Selections – Please note that no plans have been added or discontinued for the coming year.
Medical Plans for 2023
Plan Comparison Chart
Use this spreadsheet to compare coverages and benefits across all plans. PLEASE NOTE: The spreadsheet includes plans that are either not available to or offered by the Diocese. Please disregard plans on the spreadsheet that are not listed in the chart below. MSP plans have the same benefits as their corresponding non-MSP plans.
Dental Plans
We will offer the following Cigna dental plans through the Medical Trust:
What You Need to Know About Annual Enrollment
During the Medical Trust’s Annual Enrollment period:
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- Current plan members may change their plan selections for the following year.
- Eligible non-participating employees have the option to enroll in a Medical Trust plan.
- Eligible dependents may be added or removed from a member’s plan without the need to demonstrate a qualifying event.
- Ineligible employees’ coverage should be terminated.
Currently Enrolled Employees
Currently enrolled employees (plan members) will receive an Annual Enrollment letter in a green envelope from the Medical Trust approximately one week before their Annual Enrollment period. This letter will include their Client ID number, which they will need to enroll. It also includes their Annual Enrollment dates and information about how to enroll. Please instruct them to save this letter. In your communications, please encourage your employees to begin reviewing their options and to research plans early. If an employee takes no action, and their current plan is offered for 2023, their plan selections will automatically carry over to 2023, and any applicable rate increases will apply.
New Hires After Annual Enrollment Begins
New hires and other employees who enroll in a Medical Trust plan for the first time after the Annual Enrollment letter mailing list is created will not receive an Annual Enrollment letter however, they will be able to participate in the Medical Trust’s Annual Enrollment through the enrollment website. Their plan selections will carry over into 2023 if they do not make a change during Annual Enrollment. If the employee wishes to make a change to their plan enrollment for 2023 they will need to log in to the Annual Enrollment website or contact their group benefits administrator for assistance. Members may contact our Client Services team to access their Client ID number.
IMPORTANT REMINDER: Members will access the Annual Enrollment website with the same credentials (username and password) they created to access their benefits information on MyCPG Accounts. It is important for all members to create an account on MyCPG Accounts prior to Annual Enrollment if they have not already done so. For assistance, employees may contact CPG Client Services at (800) 480-9967, Monday to Friday, 8:30 AM to 8:00 PM ET, or email mtcustserv@cpg.org.
Non-participating Employees
Eligible employees and dependents who are not currently enrolled in a Medical Trust plan will not receive an Annual Enrollment letter but may enroll during Annual Enrollment for the 2023 plan year. Their previous decision to decline coverage will carry over into 2023 if they do not enroll during Annual Enrollment. Please submit an enrollment form to me as this process must be handled by the group administrator.
NOTE: As materials are not mailed to potential (i.e., eligible, but not enrolled) members, please send a communication to inform these employees that they and their eligible dependents may enroll, share the plans and rates available to them, and provide them with the applicable legal notices and Summaries of Benefits and Coverage available at www.cpg.org/mtdocs. You may use the enclosed template and modify as needed. You may also use the attached enrollment form for new member enrollments and return them to me before 11/02/2022.
Plan Documents
2023 Summaries of Benefits and Coverage and Plan Document Handbooks containing plan details may be found on the Church Pension Group website at www.cpg.org/mtdocs.
No Changes to Current Plan Selections
Please note that there are no changes to our current plan options for the coming year. However, members are encouraged to log in to MyCPG Accounts during Annual Enrollment to verify their personal information, dependent coverage, and plan selections, and to make changes if necessary.
Employee Assistance Program (EAP) with Cigna Behavioral Health
In addition to the health plans, we offer a stand-alone EAP with Cigna Behavioral Health that you and your related entities may offer to employees who opt out of medical coverage. (Employees who enroll in Medical Trust health coverage are automatically enrolled in Cigna EAP benefits.)
Note: If an employer chooses to offer the Cigna EAP on a stand-alone basis, all eligible employees must be enrolled, and the employer must pay for the EAP-only coverage. Requiring employees to contribute toward the cost of EAP-only coverage would violate the Affordable Care Act, and the employer could be subject to significant penalties. Eligibility for the stand-alone EAP is limited to qualified non-members (e.g., an employee who is on a spousal plan and has opted out of Medical Trust coverage). Since these employees will not have the ability to select the EAP on a stand-alone basis during Annual Enrollment, enrollments must be completed by the group administrator with My Admin Portal (MAP) enrollment access.