2023 Annual Enrollment
Decision Guide for Active Members and
Early Retirees
Keep reading for 2023 plan updates from The Episcopal Church Medical Trust (Medical Trust) and information to help you evaluate health plan options for active employes and pre-65 former employees not eligible for Medicare.
Annual Enrollment for 2023 plan year health benefits is closed. Please contact your benefits administrator for assistance.
NEWS
Health Benefit Announcements
CDHP Deductible Increases
The Internal Revenue Service increased the minimum and maximum amounts
that a high-deductible health plan (HDHP) may impose as a deductible.
Effective January 1, 2023 the following plans will be affected:
Anthem and Cigna CDHP-15
| Network deductible | Self-only coverage | $1,500 |
| Network deductible | Family coverage | $3,000 |
| Out-of-network deductible | Self-only coverage | $3,000 |
| Out-of-network deductible | Family coverage | $6,000 |
Anthem, Cigna, and Kaiser CDHP-20
| Network deductible | Self-only coverage | $3,000 |
| Network deductible | Family coverage | $5,450 |
| Out-of-network deductible | Self-only coverage | $3,000 |
| Out-of-network deductible | Family coverage | $6,000 |
See the 2023 Annual Enrollment Guide for full details:
- Prescription drug plan member cost sharing updates
- Medical channel management for Anthem and Cigna plans
- COVID-19 provisions
- Telehealth
- Virtual visits
- Hinge Health for Anthem and Cigna plans
- Increased EyeMed frames/contacts allowance
- Fertility benefits
- Hearing aid device benefits
- Travel vaccinations
- Deductible increase for Anthem and Cigna CDHP-15
- Deductible increase for Anthem, Cigna, and Kaiser CDHP-20
LEARN
About this year’s selection of Medical Trust plans!
Plan Options
MEDICAL1
General information about health plans
DENTAL1
Plans administered by Cigna Dental
- Preventive Dental PPO - Clergy | Lay
- Basic Dental PPO - Clergy | Lay
- Dental & Orthodontia PPO - Clergy | Lay
Info for the Medical Trust's plan offerings
- Summaries of Benefits & Coverage
2023 editions available now - Plan Document Handbooks
2022 editions available now, 2023 editions will be posted when available - Summaries of Benefits & Coverage, and Plan Copmparison Charts for your own employer group's offerings, are available in the coverage section of the Annual Enrollment site.
EVALUATE
Get help deciding on a Medical Trust plan and navigating the healthcare system.
Questions to consider before choosing a plan
- Has there been a change in your household? For example, did you get married or have a child?
- Has there been a change in your medical situation, or a family member's?
- Is your current health plan being offered in 2023?
- What is your overall health and, based on any medical conditions, the amount of healthcare you expect to need next year?
- Are your doctors and specialists in the new plan’s network?
- Do you need to see out-of-network providers?
- What is the trade-off between your monthly premium and what you pay each time you need care?
Resources for Members
2023 Annual Enrollment Guide
Glossary of Health Coverage and Medical Terms
CPG Client Services
Call (800) 480-9967
Monday to Friday
8:30 AM to 8:00 PM ET
Send a message
Health Advocate
When you need help changing plans, or just getting the most from your coverage
Call (866) 695-8622
24 hours a day, seven days a week
View Health Advocate Brochure
eLearning—Your Healthcare Benefits for 2023
A quick guide to healthcare benefits for active employees and the coverage available to you and your family.
eLearning—CDHP/HSA Member Education
Information about High Deductible Health Plans offered by the Medical Trust, and Health Savings Accounts.
eLearning—MSP SEE Plan Member Education
Understanding how Medicare and your employer's group health plan work together to assist with decisions about what to do, when, and why.
CHOOSE
Ready to enroll for 2023?
Annual Enrollment for 2023 plan year health benefits is closed. Please contact your benefits administrator for assistance.
1 Every group does not offer every plan. Please check with your group administrator for the plans available to you.