2015 personal plans product guide - guidestone · 2015 personal plans product guide ... budget....

2015 Personal Plans Product GuideInsurance plans to help you balance cost and benefitsHow and where to spend your hard-earned dollars

Does your P&C coverage come up a little short on power? Re-evaluating your coverage annually can help make sure you’re sufficiently protected and aren’t paying too much for too little…just in case. Call GuideStone at 1-888-98-GUIDE (1-888-984-8433) or visit www.GuideStonePropertyCasualty.org to generate some powerful thinking.

G U I D E S T O N E S A F E T Y T I P # 2 7

JUST IN CASE THE DEACONS’ FAMOUS CHICKEN DINNERS AREN’T

ALL THAT GET totally fried.

GUIDESTONE SAFETY TIP #27: Have on hand or install an auxiliary power-generating source.

All property and liability insurance coverages are provided by Brotherhood Mutual Insurance Company and are subject to conditions, coverage limits, limitations and exclusions. For precise details of coverage, please refer to actual policy forms. These products are only available in states where Brotherhood Mutual Insurance Company is licensed and will be written in accordance with company underwriting rules. GuideStone Agency Services is an appointed agency of Brotherhood Mutual Insurance Company in Texas and Alabama.

You can have the protection your family needs from a company you can trust.GuideStone offers a wide range of insurance products designed to fit the specific needs of ministers and other church staff.

Options to be flexibleWith a range of plan designs and coverage types, you can build an insurance package that works for you — and your budget. With GuideStone, your coverage options include:

Medical coverage for new hires of GuideStone insurance plans employers Life and accident coverage Disability coverage Dental coverage Long-term care coverage

Support to choose wiselyWith GuideStone, you aren’t alone. You gain access to online support tools and informative materials that will help you through your decision-making process. And if you need to speak with someone personally, our friendly, supportive customer relations specialists are always there to answer your questions.

Benefits to add valueNot all coverage is created equal. With GuideStone, you receive additional benefits at no cost to support many aspects of your family’s life — not just cover their potential losses.

Accelerated death benefit of your term life policy Life planning financial and legal resources Portability or conversion of life coverage Wellness support through CIGNA Dental

Resources to live healthierCigna Dental coverage, made available through GuideStone, helps you:

Control costs. Make healthier choices. Access the highest-quality care. Better understand a diagnosis or treatment.

3

You are a new, paid employee of an eligible church, agency or institution

affiliated with, or that shares common religious bonds with, the Southern Baptist

Convention, and

You work 20 or more hours per week.

You may also be eligible if you experience a HIPAA special-enrollment event. For

more details, contact customer service at 1-888-98-GUIDE.

You are a paid employee of an eligible church, agency or institution affiliated with,

or that shares common religious bonds with, the Southern Baptist Convention, and

You work 20 or more hours per week, and

You provide evidence of good health on yourself and all family members

requesting non-medical coverage.

Evidence is required for coverage under the term life and/or disability plans. The coverage

will take effect only after the underwriter determines the evidence is satisfactory and

approves the coverage. This process takes approximately six weeks. Under Federal law

applicable to the Personal Plans, GuideStone can require evidence of good health for

medical coverage.

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Medical evidence

Non-medical

Medical

You are eligible to participate in the Personal Plans if:

Eligibility Requirements

One-on-one guidance over the phone

Call us toll-free at 1-888-98-GUIDE (1-888-984-8433) anytime between

7 a.m. and 6 p.m. CST.

1

Apply online

Complete and submit the application at

www.GuideStoneInsurance.org.

2

Two easy ways to get started

Traditional PPO plans• Designed to help with routine doctor visits as

well as more in-depth care.• Deductibles ranging from $500 to $5,000.• Co-pays for doctor visits and generic and brand-

name prescription drugs.• Eligible, in-network preventive care covered

at 100%.• Plan pays majority of in-network costs for

hospitalization, services and procedures (this is “co-insurance”).

• Save when you use network providers.• Pay a lower monthly cost for a higher

deductible plan.• Get more first-dollar benefits with a lower

deductible plan — and a higher monthly rate.

Value Health 5000• Designed to cover occasional doctor visits and

generic prescriptions and protect against catastrophic events.

• Scaled-down benefits for a lower price.• Eligible, in-network preventive care covered

at 100%.• $5,000 individual/$10,000 family deductible. • Plan pays 70% of in-network costs for

hospitalization, services and procedures (“co-insurance”).

• Does not cover vision benefit or chiropractic services.

Health Saver 2800• Designed to be paired with a Health Savings

Account (HSA).• This plan is a qualified High Deductible Health

Plan (HDHP).• No co-pays — must meet deductible before

benefits start.• Eligible, in-network preventive care covered

at 100%.• Plan pays 80% of in-network costs for

hospitalization, services, doctor visits and other care (“co-insurance”).

• Lower monthly rate than many traditional PPO plans.

Great health insurance value starts with great values. Our health plans are specially designed for those in ministry. There are three types to choose from:

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Which Medical Plan Is Right for You?

Coverage for women’s preventive health servicesGuideStone provides expanded coverage for

women’s preventive health services — including, but

not limited to, approved contraceptives, gestational

diabetes screening and breastfeeding support —

under the Preventive Care Schedule. GuideStone

will not provide coverage for abortion services

or abortion-inducing drugs and devices such as Ella

and Plan B, as this violates our Biblical convictions

on sanctity of life.

Summary of Benefits and Coverage To help you make informed choices about

your medical plan, Summaries of Benefits and

Coverage (Summaries) summarize important

information about health coverage in a standard

format. This helps you compare plans apples-to-

apples. Summaries are available on our website

at www.GuideStone.org/Summaries, or you may

request printed copies by calling us.

Annual deductibles: individual/family

Plan pays/individual pays (co-insurance) (after deductible)

Medical and prescription maximum out-of-pocket: individual/family (in-network

services only, including deductible, co-pays and co-insurance)

Primary care or retail clinic/specialist visit co-pay

Wellness visit (per Preventive Care Schedule)

Hospital inpatient (including maternity)

and outpatient surgery facility (after deductible)

Emergency room services (deductible does not apply)

Urgent care

Outpatient services

(CT scan, MRI, diagnostic) (after deductible)

Chiropractic services co-pay (20 visits annually)

Mental health/substance abuse:

• Inpatient/intensive outpatient services (after deductible)

• Office and professional services co-pay

Vision (one exam every 12 months)

Lifetime maximum benefit

IN-N

ETW

ORK

MEDICAL BENEFITS

Traditional PPO Plans

A Preferred Provider Organization (PPO) plan allows you to receive a higher level of benefits when you use doctors and health care facilities that participate in the network.

Generic drug co-pay

Preferred drug co-pay2

Non-preferred drug co-pay2

Generic drug co-pay



Specialty drug co-pay (up to a 30-day supply)

30-D

AY S

UPPL

Y

PRESCRIPTION DRUG BENEFITS

90-D

AY S

UPPL

Y

1 These plans do not constitute “creditable coverage” for Massachusetts residents.

2 If a preferred or non-preferred drug is purchased when a generic is available, you must pay the generic co-payment and the difference between the drug cost of the preferred/non-preferred drug and the drug cost of its generic equivalent. The cost difference does not accumulate toward the maximum out-of-pocket limit.

What’s one of the most effective ways to control costs?

Regular preventive care and a healthier lifestyle. Three-quarters of American health care expenditures are linked to preventable, chronic or lifestyle-related conditions. Learn more at www.GuideStoneInsurance.org/Wellness.

6

MAI

L ORD

ERRE

TAIL

Effective January 1, 2015

7

$5,000 / $10,000 $3,000 / $5,000 $2,000 / $4,000 $1,000 / $2,000 $500 / $1,000

70% / 30% 70% / 30% 80% / 20% 80% / 20% 80% / 20%

$6,350 / $12,700 $6,350 / $11,000 $6,350 / $10,000 $6,350 / $8,000 $5,000 / $6,000

$25 / $45 $25 / $45 $25 / $45 $25 / $35 $25 / $35

100% no co-pay 100% no co-pay 100% no co-pay 100% no co-pay 100% no co-pay

70% 70% 80% 80% 80%

70% after $100 co-pay 70% after $100 co-pay 80% after $100 co-pay 80% after $100 co-pay 80% after $100 co-pay

$50 $50 $50 $50 $50

70% 70% 80% 80% 80%

$45 $45 $45 $35 $35

70%

$25

70%

$25

80%

$25

80%

$25

80%

$25

$25 $25 $25 $25 $25

Unlimited Unlimited Unlimited Unlimited Unlimited

Health Choice 500Health Choice 1000Health Choice 30001 Health Choice 2000

Annual deductibles: individual/family

Plan pays/individual pays (co-insurance) (after deductible)

Medical and prescription maximum out-of-pocket: individual/family (in-network

services only, including deductible, co-pays and co-insurance)

Primary care or retail clinic/specialist visit co-pay

Wellness visit (per Preventive Care Schedule)

Hospital inpatient (including maternity)

and outpatient surgery facility (after deductible)

Emergency room services (deductible does not apply)

Urgent care

Outpatient services

(CT scan, MRI, diagnostic) (after deductible)

Chiropractic services co-pay (20 visits annually)

Mental health/substance abuse:

• Inpatient/intensive outpatient services (after deductible)

• Office and professional services co-pay

Vision (one exam every 12 months)

Lifetime maximum benefit

Generic drug co-pay



Generic drug co-pay



Specialty drug co-pay (up to a 30-day supply)

$15 $15 $15 $15 $15

$35 $35 $35 $35 $35

$50 $50 $50 $50 $50

$35 $35 $35 $35 $35

$90 $90 $90 $90 $90

$125 $125 $125 $125 $125

$50 $50 $50 $50 $50

Health Choice 500Health Choice 1000Health Choice 3000 Health Choice 2000Health Choice 5000

Health Choice 50001

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Value Health 5000Value Health 5000 is an alternative PPO plan with scaled-down benefits and a lower monthly cost. Designed to offer protection from the full cost of catastrophic claims, the plan includes full wellness benefits at 100% and limited benefits for doctor visits, prescription drugs and other health care services. Its lower monthly cost can help lessen the impact on your budget while providing the protection your employees need.

Here’s a closer look at how it’s different from a traditional plan.

Combined medical and prescription deductible: Aside from the combined primary care/specialist/

urgent care co-pays, participants pay 100% of

medical and prescription claims until they reach

their deductible, at which time the plan begins

to pay benefits.

Co-pays for occasional doctor visits: Each

person has three co-pay visits annually; these

visits can be a combination of primary care of

$60, specialist of $70 or urgent care of $120. For

every additional visit, the deductible applies and

participants pay a 70% co-insurance after the

deductible has been met.

70% co-insurance for services: For most

services other than wellness and the three

primary care/specialist/urgent care visits each

year, participants are first responsible for

meeting the $5,000/$10,000 individual/family

deductible. Then participants pay 30% of the

cost of care up to a $6,350/$12,700 per person/

family annual maximum combined with co-pay,

deductible and co-insurance.

Prescription drug benefits: After participants

meet the combined medical and prescription

drug deductible, they pay a $25 co-pay for

generic drugs. Co-pays are $50 for preferred

drugs and $75 for non-preferred drugs.

No coverage for chiropractic services: Participants

are responsible for paying the full cost for these

services.

No coverage for vision services: Participants are

responsible for paying the full cost for these services.

! Annual deductibles: individual/family $5,000/$10,000

Medical and prescription maximum out-of-pocket:individual/family (in-network services only, includingdeductible, co-pays and co-insurance)

$6,350/$12,700

Plan pays (co-insurance) 70%

Primary care or retail clinic office visit/specialist office visit/urgent care visit accumulates (per person)

$60/$70/$120 co-pay for visits 1-3 combined; additional visits 70%

co-insurance after deductible

Wellness visit (per Preventive Care Schedule)100% no co-pay, not

subject to the deductible

Hospital inpatient (including maternity)and outpatient surgery facility (after deductible)

70% after deductible

Emergency room services$300 co-pay and 70%

co-insurance after deductible

Outpatient services (CT scan, MRI, diagnostic) 70%

Chiropractic services co-pay Not covered

Mental health/substance abuse: inpatient services 70% after deductible

Lifetime maximum benefit Unlimited

IN-N

ETW

ORK

Value Health 50001

MEDICAL BENEFITS

Individual/family deductible2 $5,000/$10,000

Generic drug $25 after deductible

Preferred drug3 $50 after deductible

Non-preferred drug3 $75 after deductible

Individual/family deductible2 $5,000/$10,000

Generic drug $60 after deductible

Preferred drug3 $125 after deductible

Non-preferred drug3 $185 after deductible

Specialty drug (up to a 30-day supply) 70% after deductible

PRESCRIPTION DRUG BENEFITS

RETA

ILM

AIL O

RDER

1 This plan does not constitute “creditable coverage” for Massachusetts residents.2 Combined medical and prescription drug deductible. 3 If a preferred or non-preferred drug is purchased when a generic is available, the participant must pay the generic co-payment and the cost

difference between the preferred/non-preferred drug and its generic equivalent. The cost difference does not accumulate toward the maximum out-of-pocket limit.

Value Health 5000


9

HOW IS THIS PLAN DIFFERENT?

No co-pays. The Health Saver 2800 plan does not

have co-pays for doctor visits and prescription

drugs. You pay 100% of medical and prescription

drug claims until you’ve reached the plan’s

deductible; then the plan pays 80%.

An “aggregate” deductible. If you are enrolled in

the Health Saver 2800 with one or more depen-

dents, you and your dependents must meet the

plan’s family deductible of $5,600 before any

claims will be paid for anyone in the family. If you

do not have any dependents enrolled in the plan,

you must meet the plan’s individual deductible of

$2,800 before any claims will be paid by GuideStone.

THE HSA ADVANTAGE

A Health Savings Account (HSA) is an investment

vehicle that allows you to invest money on a pre-

tax basis for eligible medical expenses. You may

only open an HSA and make contributions to it if

you are enrolled in a qualified High Deductible

Health Plan, like the Health Saver 2800.

The HSA has a triple tax advantage,

established by the IRS:

You are not taxed on contributions.

Earnings from your contributions

are not taxed.

Withdrawals (as long as they are used for

qualified medical expenses) are not taxed.

Annual deductibles: individual/family $2,800 / $5,600

Plan pays/individual pays (co-insurance) (after deductible) 80% / 20%

Medical and prescription maximum out-of-pocket: individual/family (in-network services only, including deductible, co-pays and co-insurance)

$5,800 / $11,600

Primary care or retail clinic/specialist visit 80% after deductible

Wellness and preventive care2 (per Preventive Care Schedule) 100% (no deductible)

Prescription drug program3 80% after deductible

Hospital inpatient (including maternity) and outpatient surgery facility (per admission) 80% after deductible

Emergency room services (per visit) 80% after deductible

Urgent care 80% after deductible

Outpatient services (CT scan, MRI, diagnostic) 80% after deductible

Chiropractic services (20 visits annually) 80% after deductible

Mental health/substance abuse: inpatient/intensive outpatient services 80% after deductible

Mental health/substance abuse: office and professional services 80% after deductible

Vision (one exam every 12 months) 80% after deductible

Lifetime maximum benefit Unlimited

IN-N

ETW

ORK

MEDICAL BENEFITS

Health Saver 2800The Health Saver 2800 is a different kind of health plan. It’s designed to be paired with a tax-advantaged Health Savings Account (HSA). If you do not intend to pair it with an HSA, it may not be the right plan for you.

Health Saver 28001

1 This plan does not constitute “creditable coverage” for Massachusetts residents.2 See Preventive Care Schedule online at www.GuideStoneInsurance.org3 If a preferred or non-preferred drug is purchased when a generic is available, the participant must pay the generic co-

payment and the cost difference between the preferred/non-preferred drug and its generic equivalent. The cost difference does not accumulate toward the maximum out-of-pocket limit.1

2

3

You may not open an HSA if you are:

• Covered by any non-qualified health plan (PPO plan with co-pays).• Enrolled in Medicare.• Claimed as a dependent on another individual’s tax return.

For more information about an HSA available through Highmark, visit www.HighmarkBCBS-hsa.com.


Coverage amounts

Coverage maximum

Benefit reduction at age 65 (active employee)

Retirement

Coverage in $5,000 increments from $10,000 to $50,000, or a flat amount of $100,000. Coverage also available in one to eight times annual salary, not to exceed $750,000.

$750,000

Reduces to 65% of current amount with a minimum of $20,000

Maximum of $20,000 or coverage amount at retirement, whichever is less

Coverage amount

Coverage maximum

$5,000 increments

50% of Employee Term Life coverage up to a maximum benefit of $250,000

Coverage amount

Coverage limitations

$10,000

Coverage may continue to age 26

Benefit

Coverage amount

Pays you or your beneficiary if you die or suffer a specified loss (eyesight, hand, foot, speech or hearing) in an accident

Equals Employee Term Life Plan amount

Benefit

Employee coverage amounts

Spouse coverage amount

Pays you or your beneficiary if you die or suffer a specified loss (eyesight, hand, foot, speech or hearing) in an accident

$25,000 increments up to a maximum of $500,000

50% of employee coverage amount

EMPLOYEE TERM LIFE PLAN

Term Life and Accident Plans

10

We are not promised tomorrow. Don’t wait. Protect your family’s financial well-being with affordable term life coverage. And make that protection even stronger by adding one of our accidental coverages, which effectively doubles your term life coverage — often for just pennies a day.

SPOUSE TERM LIFE PLAN

CHILD TERM LIFE PLAN

EMPLOYEE ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D)

EMPLOYEE AND SPOUSE SUPPLEMENTAL AD&D

Did you know that seven out of 10 households would be in immediate financial trouble upon the death of the primary breadwinner? Are you among the seven?

Monthly Rates

To age 26

All ages

All ages

$ .75

2.5¢ per $1,000 coverage

2.5¢ per $1,000 coverage

AGE

AGE

AGE

RATE

RATE

RATE

Child Term Life1

The monthly rate for $10,000 of child life coverage is 75 cents total, regardless of the number of children covered.

Accidental Death and Dismemberment (AD&D) (employees only)1

Employee and Spouse Supplemental AD&D1

Employee and Spouse Term Life1

Monthly rates per $1,000 coverage

AGE RATE

19 and under

20–24

25–29

30–34

35–39

40–44

45–49

50–54

55–59

60–64

65–69

70–74

75–79

80–84

85–89

90–94

$ .02

$ .03

$ .04

$ .05

$ .08

$ .12

$ .20

$ .35

$ .53

$ .83

$ 1.46

$ 2.51

$ 4.26

$ 7.05

$ 10.74

$ 10.74

11

Additional benefits These valuable programs are included at no additional cost when you enroll in a term life plan, so you gain the help you need to deal with the challenges and triumphs of tomorrow.

Life Planning Financial & Legal Resources Financial, legal and grief support in the event of

a death or diagnosis of a terminal illness.

assist america®

24-hour network of emergency medical and legal resources offering worldwide emergency assistance to active employees and their families who are traveling.

Accelerated Benefits

Allows terminally ill participants with a life expectancy of 12 months or less to receive up to 50% of the death benefit ($250,000 maximum) prior to death.

Portability or Conversion of Coverage You and your dependents can continue coverage

if employment is terminated or you otherwise lose eligibility.

Add Children You can add a dependent child within 60 days

of the child’s birth, adoption or placement for adoption.

Additional AD&D Benefits Our AD&D plan pays additional death benefits

if you die: traveling more than 100 miles from home, while properly wearing a seatbelt or when protected by an airbag. The plan also pays an additional education benefit to each of your qualified, college-age dependents if you die.

1 Coverage not available in certain locations outside the U.S.

Elimination period (Waiting period before benefits start)

Benefit percentage

Maximum monthly benefit

Definition of disability

Maximum benefit period1

Social Security integration

Self-reported mental/nervous limitation

Rehabilitation & Return to Work Assistance

Economy PremierChoiceLONG-TERM DISABILITY PLANS

180 days

Up to 60% of monthly earnings

$7,500 per month

2 years own occupation

ADEA I

Family

12 months

Included

1 The ADEA I and ADEA II schedules outline the maximum benefit period, which depends on the employee’s age at the time disability begins. Please see the ADEA I and II schedules on the opposite page for more information.

90 days


$15,000 per month


ADEA I

Family

12 months

Included

90 days


$15,000 per month


ADEA II

Self

24 months

Included

Elimination period(Waiting period before benefits start)

Benefit percentage

Maximum period of benefits

Minimum weekly benefit

Maximum weekly benefit

Definition of disability

SHORT-TERM DISABILITY PLANS

* The Economy Short Term Disability Plan has a longer benefit period than the Choice and Premier Short Term Disability Plans to provide benefits throughout the longer elimination period under the Economy Long Term Disability Plan.

12

Disability Plans

Disability insurance protects your paycheck by replacing a portion of your income during a disability. Short- and long-term plans coordinate to maximize your benefit period. With three long-term and three short-term plan options, you can find a solution your family can afford.

Economy PremierChoice

14 days

Up to 60% of weekly earnings

24 weeks

$25 per week

$500 per week

Any sickness or injury that prevents active work for

more than 14 days

7 days


12 weeks

$25 per week

$500 per week


more than 7 days

7 days


12 weeks

$25 per week

$500 per week


more than 7 days

Looking for help understanding terms and picking a plan? Check out the Learning Center (www.GuideStone.org/LearningCenter/IndividualResources) for helpful tips. Or check out our Disability Plan FAQs for definitions — including ADEA — and more explanation.



Short-term Disability

Maximum Benefit PeriodThis is the length of time benefits are paid while the employee is disabled and depends on employee’s age at the time disability begins. GuideStone makes available plans with two maximum benefit period options, the ADEA I and ADEA II (shown below).

ADEA I

AGE AT DISABILITY MAXIMUM PERIOD OF PAYMENT

Less than 60606162636465666768

69 and over

To age 65, but no less than 5 years60 months48 months42 months36 months30 months24 months21 months18 months15 months12 months

ADEA II

AGE AT DISABILITYMAXIMUM PERIOD

OF PAYMENT

Less than 6060 to 6465 to 69

70 and over

Greater of age 65 or 5 years5 years

Greater of age 70 or 1 year1 year

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Monthly RatesLong-term DisabilityMonthly rates per $100 of monthly salary amount

$ 15.55 $ 11.29

ECONOMY PREMIER

$ 11.29

CHOICE

Additional benefits These valuable programs are included at no additional cost when you enroll in a disability plan.

Life Planning Financial & Legal Resources Financial, legal and grief support in the event of

a death or diagnosis of a terminal illness.

Survivor Benefits If you die after receiving benefits for 180 or

more consecutive days, your survivor receives a lump-sum payment of three times your last month’s gross disability benefit.

Rehabilitation and Return to Work Program

To encourage individuals to return to work as soon as they become physically able, individuals receive an additional benefit for participation in a rehabilitation program.

AGE

34 and under

35–39

40–44

45–49

50–54

55–59

60 and over

$0.35

$0.44

$0.57

$0.76

$0.89

$1.00

$0.67

$0.28

$0.36

$0.45

$0.60

$0.71

$0.80

$0.55

$0.33

$0.42

$0.55

$0.71

$0.85

$0.94

$0.64

ECONOMY CHOICE PREMIER

14

Dental Plans

1 Coverage percentages based on reasonable and customary charges.2 Deductibles apply to basic and major services for the Premier Dental Care and Choice Dental Care Plans.3 Fees based on the Guided Dental HMO patient charge schedule (K1-V9).

With three plan options, you can find one your family can afford. All plans have access to Cigna’s expansive, nationwide dental network. Plus, you’ll also benefit from Cigna’s Healthy Rewards® program, which includes a wide range of wellness and vision discounts.

Employee only

Employee + Spouse

Employee + Child(ren)

Employee + Family

Premier Dental Care PlanMONTHLY RATES

$38.56

$78.87

$78.87

$134.65

$28.56

$55.84

$55.84

$102.12

$22.77

$38.53

$53.81

$63.27

Providers

Deductible (per person per year)2

Annual maximum benefit (per covered family member)

Type I: Preventive services

Type II: Basic services (restorative dentistry)

Type III: Major services

Type IV: Orthodontic services

Waiting periods

DENTAL PLAN BENEFITS

May use any provider or save with network providers

$50

$1,500

100%

80%

50%

50% with a lifetime maximum benefit of $1,000

Six to 24 months for certain services

May use any provider or save with network providers

$50

$1,200

90%

70%

50%

50% with a lifetime maximum benefit of $1,000

Six to 24 months for certain services

Must use only providers in the network

No deductible

No annual maximum

$5 office visit co-pay + applicable fee (if any)3



$5 office visit co-pay + applicable fee3

(24-month limitation)

None

Choice Dental Care Plan

Guided Dental HMO Plan

Premier Dental Care Plan1

Choice Dental Care Plan1

Guided Dental HMO Plan3

Looking for a provider? Visit www.Cigna.com or call 1-800-CIGNA24.

• Guided Dental HMO Plan. You must select a primary provider or dental office. Select the Dental Care Network for your search.

• Premier or Choice Dental Plans. You may use any provider, but you save with in-network providers.



15

A minister’s calling never ends.

Insure your independence with ACSIA PartnersWith better health care options and increased awareness about the benefits of a healthy lifestyle, Americans are living longer, fuller lives than they ever have before. But as life expectancy increases, more seniors are reaching the point where they need help or require more extensive care.

Studies show more than 60% of seniors over age 65 will need some type of long-term care in their lifetime. These expenses can directly threaten an individual’s financial security, since private health insurance, Medicare and Medicaid do not cover the most widely needed type of long-term care: assistance with daily activities.

Don’t compromise your future quality of life. Let GuideStone help you make informed decisions about your long-term care coverage. Visit www.LTCGuideStone.com or call ACSIA Partners at 1-877-582-4478 for more information.

Put the “care” back in Medicare!Approaching age 65? Our Medicare-coordinating plans combine one-stop convenience with a great price.

By signing up for an available GuideStone plan at your initial Medicare eligibility date, you will receive medical coordinating benefits and Part D (prescription) coverage. Participants also will have extra coverage for some non-Part D drugs.

Before you make any decisions, we encourage you to start with a FREE, no obligation, one-on-one consultation. Visit www.GuideStone.org/CarePlansEnroll to Get A Quote online or call 1-888-98-GUIDE (1-888-984-8433) to speak with a customer service representative.

1

2

Let GuideStone help you plan for medical costs as you transition into the next phase of your ministry.

2401 Cedar Springs Road, Dallas, TX 75201-14981-888-98-GUIDE • www.GuideStone.org

© 2015 GuideStone Financial Resources 25824 03/15 8706

2015 personal plans product guide - guidestone · 2015 personal plans product guide ... budget....

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