Health Benefits for Medicare Eligible Retirees

Once you retire, access to quality, affordable healthcare is even more important than ever.

Although Medicare Part A and Part B provide coverage for medically necessary health services, you may wish to enhance that health insurance with a UnitedHealthcare Group Medicare Advantage (MA) plan, which has two plan options:

• MA Premium (PPO)
• MA Comprehensive (PPO)

Medicare Part D provides prescription drug coverage, helping to reduce the cost of covered prescription medications with UnitedHealthcare MedicareRx for Groups (PDP), which has two plan options:

• PDP Comprehensive
• PDP Premium

Plans Designed Especially for You

Not to be confused with individual Medicare Advantage plans, our custom Group Medicare Advantage and Prescription Drug Plan (MA/PDP) was designed exclusively for Medical Trust retirees and their dependents.

In addition to delivering all the benefits of Medicare Part A, Part B, and Part D, this plan provides coverage for hearing aids, travel assistance benefits, fitness programs, and other benefits that are important to overall health.

Its two Preferred Provider Organization (PPO) options allow members to see any Medicare provider (in and out of network) at the same cost share, as long as the provider accepts the plan and has not opted out of or been excluded or precluded from Medicare.

Refer to the summary of benefits for a side-by-side comparison of the plan options.

The Medical Trust Offers More

Additional Benefits

In addition to Group Medicare Advantage and prescription drug benefits, CPG provides several other benefits to eligible retirees at no additional cost.

• Vision benefits from EyeMed
• Employee Assistance Program
• Cariloop Services

Group Dental Coverage

Retirees may choose to purchase Delta Dental.

• Compare dental plan options
• Learn more about dental benefits Clergy | Lay

Post-Retirement Health Subsidy

Retired clergy with at least 10 years of credited service under The Church Pension Fund Clergy Pension Plan—and their eligible spouses—receive a monthly subsidy to help offset all or a portion of the cost of purchasing a Group Medicare Advantage and Prescription Drug Plan (MA/PDP) option, and/or dental coverage. Please note that the subsidy can be used only to offset the cost of medical and dental plans offered by The Episcopal Church Medical Trust to retirees.

• 2027 Subsidy Details

Who to Call for Additional Questions

For questions about Medicare, Group Medicare Advantage or specific coverage details, UnitedHealthcare's dedicated call center:

866-519-5401, TTY 711
Monday to Friday
8:00 AM to 8:00 PM local time

For eligibility and enrollment support, The Medical Trust’s Client Services team:

800-480-9967
Monday to Friday 
8:30 AM to 8:00 PM ET
or by email at mtcustserv@cpg.org

Next Steps

Now that you have a better understanding, find out which option is best for you and learn about additional resources.

• Compare the Premium and Comprehensive MA and PDP plan options
  Use the summary of benefits to compare monthly premiums, out-of-pocket costs, and other factors to decide which plan best fits your needs.
• Learn about the Clergy Post-Retirement Health Subsidy
  Retired clergy with at least 10 years of credited service under The Church Pension Fund Clergy Pension Plan—and their eligible spouses—receive a monthly subsidy to help offset all or a portion of the cost of purchasing a plan, and/or dental coverage.
• Register or sign in to the UnitedHealthcare website
  You can access your claims, prescriptions, and plan tools, which will help you manage your Medicare coverage more effectively and take advantage of additional benefits like Renew Active and HouseCalls.
• For an overview of health benefits, visit your section of the website.
  Active Clergy | Retired Clergy | Seminarians | Active Lay Employees | Retired Lay Employees | Administrators

* Includes cost for Medical, Rx, Vision, EAP, Cariloop, and plan administration. We are no longer offering plans without prescription coverage.

** An out-of-pocket maximum places a limit on how much money you pay out of pocket for your medical expenses in a calendar year. This does not include prescription drug costs, plan premiums, or cost share for services not covered by Medicare.