Health Insurance

Medical Plan (HealthFlex)

HealthFlex is the conference-sponsored healthcare program issued by BlueCross BlueShield of IL (BCBS) 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 BlueCross BlueShield (BCBS ID Card). A Participating Provider Option (PPO) provides a network of healthcare providers.
  • Prescription Drug: coverage by OptumRx – see BCBS ID card.
  • Dental: coverage by CIGNA – no ID card for CIGNA, Plan ID 2464058. 
  • Vision: coverage by VSP – no ID card. 

You can also view more comprehensive information about HealthFlex through Benefits Access. To view your personal health information, go to, click on “Benefits Access,” 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.

Downloadable Info Sheets

BWC 2024 HealthFlex Exchange rate sheet for Clergy (PDF)

2024 Medical, Dental and Vision Plan Comparison (PDF)

How to choose a health plan (PDF)
This document presents the various options. 

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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You may also download this glossary (PDF).

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

Flat dollar amount participant pays toward health care expenses

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.)

Flexible spending account

Health reimbursement account (also called health reimbursement arrangement)

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)

Medical reimbursement account (also called health care FSA)