Clergy Support Team
Policies And Procedures
HEALTH INSURANCE
The Missouri Conference Health Insurance Plan for active participants is administered by the General Board
of Pensions and Health Benefits and is known as HealthFlex. The Board of Pensions is requested to provide
updated information to the District Superintendents concerning clergy dependents who are not covered by the
Conference Health Insurance program or an equivalent insurance. The District Superintendent shall then counsel
with those clergy and seek ways to provide for insurance coverage in order to avoid extreme hardships on the
clergyperson (and family) and embarrassment to the local church and/or Annual Conference. The premium for
participants’ health insurance shall be billed monthly to the charge to which the participant is appointed or to
the employing agency. The church/charge is not required to pay for the premium covering dependents of clergy.
Premium payment shall be due at our bank no later than the last day of each month. Premium payments shall
be received for the sole benefit of the participant for whom the premium was submitted. Although the charge
or employing agency is expected to pay their part of the premium, the participant is ultimately responsible for
payment of the entire premium. In the event the premium payment is more than fifteen (15) days delinquent,
the Administrator of Clergy Relations and Benefits shall notify the participant and the appropriate District
Superintendent. The Administrator of Clergy Relations and Benefits shall serve as enrollment clerk for the plan.
Participants are responsible for notifying the Administrator of Clergy Relations and Benefits within 30 days of any
change of conference status or appointment, change of marital status, change of address, changes in the names
of participants, or persons to be added or deleted with respect to dependent status or dependent care coverage.
Dependents may be added or deleted during the designated open enrollment period, usually during the month
of November, for enrollment that is effective Jan. 1 of the following year. In addition, a family status change may
allow for addition or deletion of dependents to the plan, provided that an enrollment change form is received
by the conference office within thirty (30) days of a qualifying event, as determined by the HealthFlex program.
Final determination of eligibility for all persons is subject to approval by the insurance carrier. Continuation of
benefits is available according to the terms of the plan. Clergy members of the conference staff to be covered by
the Conference health insurance program are: Director of Connectional Ministries, Director of Congregational
Excellence, Director of Missions, Service and Justice, Director of Pastoral Excellence and Director of Financial &
Administrative Services.
2010 HEALTH INSURANCE RATES
Participants in the Conference’s medical and dental health insurance plan are affected by the nationwide trend of
rising health care costs, our aging demographics, as well as the amount of claims our group has incurred. Thus, for
2010 there will be an 18.2% increase in the health insurance rates which results in the following rates:
Individual clergy or lay employee $8,100 ($675 per month)
One dependent (child or spouse) $7,248 ($604 per month)
Family (multiple dependents) $11,436 ($953 per month)
Annual premium for an individual with one dependent will be:
Individual $ 8,100
One dependent $ 7,248
Total $15,348
Annual premium for an individual with family coverage will be:
Individual $ 8,100
Family $ 11,436
Total $19,536
In 2010, United HealthCare will continue to be our health insurance carrier. Our prescription drug card will be
with MEDCO. Dental insurance will remain with CIGNA. Mental health/Lifestyle management coverage will
remain with United Behavioral Health. With these rates the deductible will remain at $1,000 per person ($2,000
for a family) with an out-of-pocket limit of $4,000 per individual ($8,000 for a family). Dental and prescription
coverage remains the same.
D-14 2009 Missouri Annual Conference
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