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Comprehensive Plan

The costs of the Comprehensive Plan for participants who retire on or after July 1, 2013  and are not eligible to retire prior to July 1, 20131 are detailed below.  

If you retired, or are eligible to retire1, prior to July 1, 2013 see If You Retired Before July  2013 for the schedule of costs for the Comprehensive Plan.

Your Monthly Cost - 2017 & 2018

The Church Pension Fund (CPF) provides financial assistance for the purchase of post-retirement health benefits for eligible clergy and their eligible spouses or surviving spouses. The calculation of the amount of the CPF Medicare Supplement Health Plan subsidy for clergy eligible to retire on or after July 1, 2013 is shown below.

The monthly cost, per person, for the Comprehensive Plan is shown in the table below. These costs represent the cost to you after the Medicare Supplement Health Plan subsidy2 from CPF has been applied.

Years of Credited Service Monthly Cost per Person 
  2017 2018
1-4 You are not eligible to participate in a Medicare Supplement Health Plan.
5-9 $340.00 $355.00
10 $170.00 $177.50
11 $153.00 $159.75
12 $136.00 $142.00
13 $119.00 $124.25
14 $102.00 $106.50
15 $85.00 $88.75
16 $68.00 $71.00
17 $51.00 $53.25
18 $34.00 $35.50
19 $17.00 $17.75
20 or more $0.00 $0.00

Your Costs for Healthcare - 2017 & 2018

  • For Medicare Parts A and B benefits, the annual out-of-pocket limit is $2,000 per individual. If your medical costs exceed the annual or lifetime Medicare Supplement Part A benefit maximums ($50,000 and $200,000, respectively, per individual), your out-of-pocket costs will exceed the annual maximum.
  • Inpatient hospital copayment up to $390 per benefit period
  • Medicare Part B physician copay up to $20 per visit
  • Routine physical exam costs in excess of $200

See a detailed comparison of the different plans.

See the 2018 Medicare Supplements Comparison Chart for additional plan information.

1 To be eligible to retire prior to July 1, 2013, a cleric must have met the requirements of a 55/30, 60/5, 65/5 or disability retirement under The Church Pension Fund Clergy Pension Plan on or prior to June 30, 2013.

The Church Pension Fund plans to continue to provide the Medicare Supplement Health Plan subsidy. However, given the rising cost of medical care, coupled with the uncertainty regarding the structure of Medicare in the future, this should not be viewed as a guarantee of a Medicare Supplement Health Plan subsidy in perpetuity.


Health benefits are offered through plans maintained by Church Pension Group Services Corporation (doing business as The Episcopal Church Medical Trust), 19 East 34th Street, New York, NY 10016.

The Episcopal Church Medical Trust Disclaimer

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