• Customized Matrix of Coverages

• Managed Care Plans

• Choice of Provider Networks

Term Life Insurance, including additional Accidental Death & Dismemberment Insurance
Life insurance is available in a multiple of salary: 1 times salary; 1 ½ times salary; 2 times salary; to a maximum of $150,000. Also available in flat amounts of $10,000/employee, $20,000 employee, etc.

Long-Term Disability (LTD) Income Benefits
LTD permits income benefits after a 90-day waiting period. A benefit of 70% is received in coordination with other coverage, including rehabilitation benefits.

Medical Benefits
The Medical Plan provides comprehensive benefits, including preventive care, with a choice of deductibles and co-payment levels. Managed care has brought about cost-effective plan utilization without sacrificing quality. The Trust has negotiated with several regional PPO networks to obtain significant discounts off billed charges.

Prescription Drug Card Programs are available with all medical plan designs. The Integrated Plan provided through Medco Health offers prescription service at both retail and mail order pharmacies. The program includes over 99% of all retail pharmacies across the United States. Our long-term mail order program can offer significant savings to participants with the ease of no hassle refills.

Vision Care Benefits
Although the medical plan provides coverage for medical conditions, our vision plan assists in covering the cost for exams, lenses and frames. The participants are able to seek care from any provider they choose.

Dental Benefits
The Dental Plan offers participants various levels of benefits including two preventative visits per year. Benefits for other types of dental care are paid after the low annual deductible has been satisfied.

Membership in the Diocesan Clergy Program includes:

• Contemporary claims processing systems for timely, efficient medical payments.

• Courteous service on benefits quotes, claim inquires and coverage issues.

• Online access to Explanation of Benefits and health information.

• Participation in the Prescription Drug Purchasing Cooperative.

• Lab Card Program for cost savings on laboratory testing

• Advanced Therapeutic Intervention Program, which provides medication review to avoid adverse drug reactions.

• Patient Advocate Focus, which uses outcome management contact to encourage chronically ill patients.