Health Plans for Religious
Since 1967, Christian Brothers Services has provided cooperative programs to help Religious Institutes spread medical costs over time and provide for catastrophic medical expenses. Today, the Religious Medical Trust (RMT) serves nearly 190 participating Religious Institutes throughout the United States and abroad.
The RMT has a number of programs to meet the varied needs of participating Religious Institutes. The RMT has contracted with the BlueCross BlueShield network and is available to all enrolled members. At age 65, members must enroll in Medicare for primary coverage, although they have the option to remain in the RMT for certain costs not paid by Medicare. Dental coverage is optional and is at $0 deductible regardless of the medical deductible level selected by the Religious Institutes.
Features of the Religious Medical Trust:
- Medical Coverage
- Dental Coverage
- Pharmacy Coverage through Express Scripts for members not yet on Medicare
- PPO enrollment in BlueCross BlueShield
- Optional coverage for members on Medicare
- Bills paid directly by the RMT
New Optional Deductibles in the Trust
- Ten plans ranging from the traditional $0 deductible, to $25,000 per individual deductible
- The higher the deductible, the smaller the monthly contribution due to the RMT
- The entire group must enroll at the same deductible level
- The deductible year is January 1 through December 31
- The RMT pays providers the deductible on behalf of the member, utilizing a Health Reimbursement Account.
Programs for Larger Religious Institutes
Some Religious Institutes are large enough to pay their medical bills without the need for insurance or membership of a cooperative. Christian Brothers Services has the expertise to serve a Religious Institute or a group that may need an experienced administrator to manage its medical payments program.