The Cumberland Presbyterian Health Insurance Program utilizes Blue Cross Blue Shield of Tennessee as the insurance provider. CPC joined with Blue Cross in January of 2010 to offer health insurance benefits to the employees of the CP Church. Blue Cross is a not for profit organization that was founded in 1945 and now serves 3 million members in Tennessee and across the country. Find out more by going to go to the Blue Cross website (http://www.bcbst.com).
There are two medical plans offered through Blue Cross. Option 1, has an in-network $1,500 individual deductible and a $3,000 family deductible, and Option 2 has an in-network $3,500 individual deductible and a $7,000 family deductible. These are traditional plans that also have co-pays for doctors visits, out patient Behavioral health visits, ER visits, prescription drugs and has co-insurance until your out-of-pocket maximum has been met. Find out more by going to the website (https://www.hrconnection.com). This web site is for employees only of the Cumberland Presbyterian Church. If you do not know your login and password, please contact Mark Duck at 901-276-4572 or mduck@cumberland.org.
To be eligible to enroll as a subscriber, you must be a full-time or part-time employee of the Cumberland Presbyterian Church, it’s boards or agencies, and satisfy the new employee eligibility period of 30 days which is required by the employer. Part-time employees must work at least 17 1/2 hours a week and have completed 39 consecutive weeks of the year, and have done so for at least one year. Find out more by going to the Blue Cross website (http://www.bcbst.com).
If your employment has been terminated, except for gross misconduct, or a reduction in the number of hours worked by the subscriber no longer makes you eligible for coverage, you have the right to continue coverage for a limited time under the terms of the Consolidated Omnibus Budget Reconciliation Act of 1985 or better known as COBRA. COBRA is a continuation of the present health plan of the CP Church, but administered through Blue Cross of Tennessee. Find out more by going to the Blue Cross website (http://www.bcbst.com) under EOC.
Also included in our continuation plan is the spouse of a minister who has elected Medicare by their 65th birthday. If a spouse needs to continue coverage, but the subscriber has elected Medicare, the spouse can continue coverage under COBRA for up to 36 months. It’s important to take advantage of this option at the time the subscriber turns 65 or else eligibility might be lost.
The CP Church plan also has provisions for continuing coverage under the CP Church Plan if you’ve been covered by the plan for 5 years or longer and are either retired or disabled and not eligible for Medicare, and wish to continue coverage and are willing to pay for your coverage.
For In-network office visits, Blue Cross has a co-pay. Amounts vary depending on the Plan option you choose. For out-of-network office visits, there are no co-pays but your deductible applies. It is always best to use in-network doctors and facilities. Find out more by going to the website (https://www.hrconnection.com). This web site is for employees only of the Cumberland Presbyterian Church. If you do not know your login and password, please contact Mark Duck at 901-276-4572 or mduck@cumberland.org.
The PPAC Act ( Health Care Reform) in 2010 has made many preventive care services 100% payable by your insurance provider if performed in-network. Annual preventive care check ups enable the detection and treatment of health issues before they become life-threatening. Find out more by going to the website (https://www.hrconnection.com). This web site is for employees only of the Cumberland Presbyterian Church. If you do not know your login and password, please contact Mark Duck at 901-276-4572 or mduck@cumberland.org.
Prescription and maintenance medications can be purchased using one of the three-tiered plan options. You can fill your prescriptions at a local pharmacy or you can get a 90 day supply through mail order with CVS Caremark. You can do your order on-line at www.caremark.com or telephone at 1-877-683-6837. There may be other options available for home delivery in your area , plus you might have a need for specialty medications including high-cost injectable or oral medication that have special handling and distribution requirements. You can call 1-800-565-9140 to find out more about your prescription benefits or go to the Blue Cross website (http://www.bcbst.com).
The medical plan options cover many outpatient procedures and care including surgeries and test. Some test and scans, such as CAT, PET or MRIs usually need prior authorization. You or your provider should call 1-888-693-3211 for prior authorization. Find out more by going to the website (https://www.hrconnection.com). This web site is for employees only of the Cumberland Presbyterian Church. If you do not know your login and password, please contact Mark Duck at 901-276-4572 or mduck@cumberland.org.
Services for inpatient and outpatient treatment are available. For out patient treatment, there are unlimited visits per annual benefit period for the co-pay amount of your chosen medical option plan.
Depending on the type of therapy needed, you have available either 30-36 visits per annual benefit period per therapy type. Services are paid after you meet your deductible at 80% until you meet your out-of-pocket maximum.
Available are 60 days combined of these two services. Prior authorization is required, and services must be medically necessary. Benefits will be reduced to 50% if prior authorization is not obtain.
Available for up to 60 visits per annual benefit period. Prior authorization is required to obtain services.
You can call 24/7 and receive personal education and support from a team of health professionals. They can answer questions and provide support about any medical condition, surgery or treatment decision you may face. They can also help with positive lifestyle changes to improve health and wellness, to helping you consider whether a current health concern, such as a child’s fever, requires quick medical attention.
You can reach a health coach by calling 1-800-818-8581.
For care around the world, before leaving the United states, check with Blue Cross of Tennessee because your coverage may be different outside the country. For all non-emergencies, you can call the BlueCard worldwide service center at
1-800-810-2583 or collect at 1-804-673-1177, 24 hours a day, seven days a week, for information on doctors, hospitals and other health care professionals. If you need to be hospitalized, prior authorization is needed. Always in case of an emergency, you would need to go to the nearest hospital and get immediate treatment. You may also find information on the website (http://www.bcbs.com/bluecardworldwide).
Included with your health insurance policy is a $10,000 AD & D policy. The AD & D benefits are designed to help ease the financial burden on you and your family at the time of your death or accident. You may also find information on the website (http://www.symetra.com).
The Dental and Vision program is a voluntary program through the Guardian Life Insurance Company. There are two plans to chose from and like the medical plans, you have an in-network PPO or you may use an out-of-network provider but with a higher cost for service. Another feature of the dental plan is that a designated amount may be rolled over to the following year if you qualify by not using your full benefit amount in a given year. You may also find information on the website (https://www.guardiananytime.com).