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Health Insurance

Medical Plan (HealthFlex)

HealthFlex is the conference-sponsored health care program issued by United HealthCare in partnership with Wespath Benefits and Investments. HealthFlex is available to all ordained or local pastors of the conference appointed full or 75 percent service to a local church, mission center and campus ministries staff.

HealthFlex benefits include:

  • Medical: coverage by United HealthCare (UHC ID Card). A Participating Provider Option (PPO) provides a network of healthcare providers.
  • Prescription Drug: coverage by OptumRx – see front of UHC ID card.
  • Dental: coverage by CIGNA – no ID card for CIGNA, Plan ID 2464058. Visit www.cignadental.com for more information.
  • Vision: coverage by VSP – no ID card. Visit www.vsp.com for more information.

You can also view more comprehensive information about HealthFlex through WebMD. To reach the WebMD Personal Health Manager, go to www.wespath.org, click on “HealthFlex/WebMD,” and enter your username and password.

HealthFlex Exchange

HealthFlex Exchange is a model that gives HealthFlex participants more flexibility to choose their coverage while giving plan sponsors, such as the BWC, more control and predictability over health plan costs.

BWC participants select from six medical/prescription plans, three dental, and three vision plans.

This video provides an introduction to HealthFlex Exchange. The full video runs approximately 17 minutes. Watch it here, or via YouTube.

Downloadable Info Sheets

BWC 2017 HealthFlex Exchange rate sheet (PDF)

BWC 2018 HealthFlex Exchange rate sheet (PDF)

HealthFlex Exchange Overview (PDF) 
HealthFlex exchange gives you the flexibility to select a plan that best fits your family size, health needs, budget and ability to handle unplanned medical expenses.

Key Considerations Document (PDF)
This document presents the various options.

Medical/Prescription Plan Comparison (6 Plans) (PDF)
One traditional preferred provider organization (PPO) plan, two consumer-driven health plans (CDHP) with health reimbursement accounts (HRA), and three IRS-qualified high-deductible health plans (HDHP0 with a health savings account (HSA).

Dental Plan Comparison (PDF)
There are three dental plan options.  Dental Passive PPO $1000 is included in all Plan premiums. Participants may upgrade to Dental Passive $2000 or Dental PPO.

Vision Plan Comparison (PDF)
There are three vision plan options.  All plan types include Exam Core. You can upgrade to Full Service or Premier.

HRA vs. HSA vs. FSA (MRA) Comparison (PDF)
HealthFlex HRA, HealthFlex HSA, and HealthFlex Health Care FSA (MRA) share some similar traits, but have important differences. This document summarizes some of the key characteristics of each.

Spousal Surcharge (PDF)
HealthFlex participants whose spouses have access to health insurance coverage through their own employment, but who choose to decline that coverage and be covered under Baltimore-Washington Conference’s group health plan (HealthFlex), will be subject to pay the extra monthly cost to the Conference or a premium surcharge of $300 per month, whichever is less, to compensate for the employer subsidy involved.

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Glossary

You may also download this glossary (PDF).

Co-insurance
Percentage of health care expense paid by participant and/or HealthFlex plan

Co-payment
Flat dollar amount participant pays toward health care expenses

Deductible
Amount that the participant pays in full before the plan begins paying co-insurance. (Eligible wellness and preventive services are covered 100% and not subject to the deductibles.)

FSA
Flexible spending account

HRA
Health reimbursement account (also called health reimbursement arrangement)

HSA
Health savings account

Limited-use (HRA or MRA)
Use limited to dental and/or vision expenses (until one meets IRS-defined deductible and notifies WageWorks)

MRA
Medical reimbursement account (also called health care FSA)

Plan Types

  • CDHP: Consumer-driven health plan (includes HRA)
  • HDHP: High-deductible health plan (IRS-qualified – eligible for HAS contributions)
  • PPO: Preferred provider organization health plan