Religious Comprehensive Trust is designed for a religious institute that is geographically disparate and not administratively centralized. The program reimburses 100% of the medical charges with very few exceptions. There are no deductibles or co-payments and the Trust has contracted with several discount networks, both regional and national, which are available to the members of the religious institute.
Membership in the Prescription Drug Program
Most medical/dental bills paid 100%
National and regional PPO’s
No co-payments
No deductible
No lifetime limit
No penalty for pre-existing conditions
Providers paid directly
Religious Community Deductible Trust is similar to the Comprehensive Trust, but does not have a dental benefit. It is a stop-loss program designed to protect against catastrophic and untimely medical bills. This program is ideal for an institute that is geographically limited such as a monastery, and or one which is centralized administratively. All medical bills are collected and summarized for payment by the institute before they are submitted to the Trust office.
Greater control of an institute’s funds
Double stop-loss – community (aggregate) and individual (specific)
Membership in the Prescription Drug Program
National hospital discount network
No lifetime limit
No penalty for pre-existing conditions
Programs for Larger Religious Institutes is offered when some religious institutes are large enough to administer their medical bills without the help of insurance or a cooperative. Christian Brothers Services is happy to serve a religious institute or a group of its provinces, which is in need of an experienced administrator to manage their medical payments program.
Customized selection of medical services
Direct pay to provider
Medical, dental, and optional benefits
Membership in the Prescription Drug Program
National and regional PPO’s
Selection and control over bank accounts
