1. UCC Health Plans In the Healthcare Reform Era
Positioning for Value
UCC Health Plans
In the
Healthcare Reform Era

2. THANK YOU! 2

3. Today’s Discussion Update on the Healthcare Marketplace
Comparison of Plan Benefit Options & Costs
2014 UCC Health Plan Benefits & Enhancements
Recommended Next Steps

4. Healthcare Marketplace
Under the ACA, healthcare exchanges (marketplace), are open in all 50 states
The marketplace became operational on October 1, 2013; enrollment continues through April 15, 2014, with extensions allowed in some cases
Visit this website: .gov, enter your state of residence, and follow the prompts for more information on coverage options and costs
Subsidies available to eligible individuals and families may lower premium and out-of-pocket costs; must complete application

5. Healthcare Marketplace, cont’d
Exchanges may offer only limited provider networks, including fewer choices of doctors and hospitals; plans are not portable
The way the ACA was written excludes clergy and lay employees from accessing (qualifying for) subsidies if they participate in a Church health plan, such as the UCC plans
The Pension Boards supports The Church Health Plan Act of 2013, Senate Bill The proposed legislation is under Senate Finance Committee review
This Act offers the same subsidies to individuals who receive their coverage from the exchange or from church health plans

6. Comparison of Plan Benefit Options & Costs
The marketplace presents new options; there are costs & compromises
Be sure you fully explore & understand what those options really mean to Churches, Clergy and Lay Employees
Key factors include:
Provider (doctors, hospitals) network availability
Premiums, deductibles, co-pays, co-insurance, out-of-pocket levels
Schedule of Plan Benefits & Services
Portability of plan benefits
Reputable vendors/suppliers

7. 2014 UCC Health Plan
Health insurance coverage will continue to be offered by the Pension Boards
There is no increase in health plan rates in 2014 for UCC plans, includes
Health, Pharmacy, Dental & Vision Benefit Plans
Peace of Mind: Implementation of the ACA will have little to no consequence on participants who remain with the UCC health plan
UCC health plans meet and often exceed the minimum value coverage requirements set forth in the law
UCC plans are competitively priced, and include elements, such as capped out-of-pocket maximums and low deductibles, that help participants control costs

8. UCC Health Plan
Offer Plan A (Gold/80%); Plan B (Silver/70%); Plan C (Bronze/60%)
Low Individual/Family Deductible ($300/$600) to High ($1,000/$3,000)
Out-of-Pocket Maximums from $2,000 (Individual) to $4,000 (Family)
Comprehensive, robust schedule of benefits
In and Out of Network Provider Benefits available
Portability of Coverage
Blue Cross Blue Shield: Nationwide vendor/partner for service & benefits
Same schedule of benefits available in all Conferences/Associations/Churches
Deductibles, out-of-pocket amounts carry over in event of relocation

9. UCC Health Plan Member Assistance Program & WorkLife Benefits
New for 2014, offers support for stressors of daily work & life events
Consultations available at no cost through ValueOptions, our mental health vendor/partner
Healthy Stewards Wellness Program
Assists Participants & Family Members to lead healthier lives through education and coaching support
Goal is to mitigate the prevalance of chronic medical conditions
Rewards Program: $300 (each) for Participant & Spouse

10. Preparing for 2014 & Beyond Reflections for Churches/Employers
Whether they will provide coverage for their employees or put them in a position of having to obtain coverage at the Marketplace
How Marketplace plan benefits and total cost of coverage, including out-of-pocket expenses, taxes and fees, will compare to existing coverage
Whether selected health plans meet applicable healthcare reform limits and rules
Impact on Clergy call agreements regarding health insurance coverage

11. Preparing For 2014 & Beyond Reflections for Clergy and Lay Employees
Whether employer coverage will continue or obtain through Marketplace
View/compare coverage options, impact on call agreement, etc., with existing coverage
Determine, by application, eligibility for premium tax credits

12. Recommended Next Steps
For Churches & Employers:
If you provide coverage to your employees under the UCC Non-Medicare Health Plan:
Remit quarterly payment to the Pension Boards to ensure uninterrupted coverage
For Clergy and Lay employees: If you participate in the UCC Non-Medicare Health Plan:
Remit quarterly/monthly payment to the Pension Boards to ensure uninterrupted coverage

13. For More Information Federal Government website:
For information regarding the Healthcare Marketplace
Pension Boards website:
For information regarding the UCC Health Plan 13

14. Pension Boards Points of Contact
Frank Loiacono, Director, Health Plan Operations
Melissa Kubiak, Health Services Representative
Jennifer Markewitz, Health Services Representative
Carol Soeder, Health Services Representative 14

15. THANK YOU! 15

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