The medical plans described on the Web Sites (the Plans) are sponsored and administered by Church Pension Group Services Corporation ("CPGSC"), also known as the Episcopal Church Medical Trust (the Medical Trust). The Plans that are self-funded are funded by the Episcopal Church Clergy and Employees Benefit Trust ("ECCEBT"), which is a voluntary employees' beneficiary association within the meaning of section 501(c)(9) of the Internal Revenue Code.
The Web Sites contain only a partial, general description of the Plans. It is provided for informational purposes only and should not be viewed as a contract, an offer of coverage, or investment, tax, medical, or other advice. In the event of a conflict between the Web Sites and the official plan documents (schedule of benefits, summary plan description, booklet, booklet-certificate), the official plan documents will govern. The Church Pension Fund and its affiliates, including but not limited to the Medical Trust, CPGSC, and ECCEBT (collectively "CPG"), retain the right to amend, terminate, or modify the terms of the Plans, as well as any post-retirement health subsidy, at any time, without notice and for any reason.
Our Plans are church plans within the meaning of section 3(33) of the Employee Retirement Income Security Act and section 414(e) of the Internal Revenue Code. Not all Plans are available in all areas of the United States, and not all Plans are available on both a self-funded and fully-insured basis. The Plans do not cover all health care expenses, and plan participants should read the official plan documents carefully to determine which benefits are covered, as well as any applicable exclusions, limitations, and procedures.
All benefits under the Plans are subject to applicable laws, regulations, and policies. Except for the Preventive Dental PPO Plan, the Travel Protection Benefit and the Hearing Aid Benefit, all such benefits are subject to coordination of benefits. The Plans are subrogated to all of the rights of a plan participant against any party liable for such participant's illness or injury, to the extent of the reasonable value of the benefits provided to such participant under the Plans. The Plans may assert this right independently of a plan participant, and such participant is obligated to cooperate with the Medical Trust in order to protect the Plans' subrogation rights.
CPG does not provide any health care services and, therefore, cannot guarantee any results or outcomes. Health care providers and vendors are independent contractors in private practice and are neither employees nor agents of CPG. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change.
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