Medical and Dental Insurance

 

Parity and OPT OUT Information

Churches must provide PARITY in coverage between eligible clergy and lay employees. In other words, whatever plan is offered to your clergy, must also be offered to all lay employees who work at least 1,500 hours annually.

Employees may opt out of coverage through the Medical Trust under the following circumstances:

  1. The employee is covered under a spouse's medical plan.

  2. The employee is covered under other plans, such as TRICARE or a previous employer's medical plan (COBRA).

2026 Insurance Rates - click HERE

 

Plan Documents

Summaries of Benefits and Coverage and Plan Document Handbooks containing plan details may be found on the Church Pension Group website at www.cpg.org/mtdocs.

 

65+ Members Working
Members who qualify of the Medicare Secondary Payer plans should read the following document on benefits and policies. For questions and next steps, please reach out to Elizabeth Jones at ejones@nwtdiocese.org. Please make sure to engage with the Diocese and CPG prior to meeting with Medicare to receive guidance on available options and necessary steps.

 

Employee Assistance Program (EAP) with Cigna Behavioral Health
In addition to the health plans, we offer a stand-alone EAP with Cigna Behavioral Health that you and your related entities may offer to employees who opt out of medical coverage. (Employees who enroll in Medical Trust health coverage are automatically enrolled in Cigna EAP benefits.)

Note: If the Cigna EAP is offered on a stand-alone basis, the employer must pay for the EAP-only coverage. Requiring employees to contribute toward the cost of EAP-only coverage would violate the Affordable Care Act, and the employer could be subject to significant penalties. Eligibility for the stand-alone EAP is limited to qualified non-members (e.g., an employee who is on a spousal plan and has opted out of Medical Trust coverage). Since these employees will not have the ability to select the EAP on a stand-alone basis [during Annual Enrollment], enrollments must be completed by the group administrator with MLPS access.

 
This material is provided for informational purposes only and should not be viewed as investment, tax, or other advice. It does not constitute a contract or an offer for any products or services. In the event of a conflict between this material and the official plan documents or insurance policies, any official plan documents or insurance policies will govern. The Church Pension Fund (“CPF”) and its affiliates (collectively, “CPG”) retain the right to amend, terminate, or modify the terms of any benefit plan and/or insurance policy described in this material at any time, for any reason, and, unless otherwise required by applicable law, without notice.
Church Pension Group Services Corporation (“CPGSC”), doing business as The Episcopal Church Medical Trust, maintains a series of health and welfare plans (the “Plans”) for eligible employees (and their eligible dependents) of the Episcopal Church (the “Church”). The Medical Trust serves only eligible Episcopal employers. The Plans that are self-funded are funded by the Episcopal Church Clergy and Employees’ Benefit Trust, a voluntary employees’ beneficiary association within the meaning of section 501(c)(9) of the Internal Revenue Code.
The Plans are church plans within the meaning of section 3(33) of the Employee Retirement Income Security Act of 1974, as amended, and section 414(e) of the Internal Revenue Code. Not all Plans are available in all areas of the United States or outside the United States, and not all Plans are available on both a self-funded and fully insured basis. Additionally, the Plan may be exempt from federal and state laws that may otherwise apply to health insurance arrangements. The Plans do not cover all healthcare expenses, so members should read the official Plan documents carefully to determine which benefits are covered, as well as any applicable exclusions, limitations, and procedures.

Dental Insurance 

The Diocese of Northwest Texas will continue to offer dental insurance through Ameritas (previously known as Dental Select) in 2026.  

Monthly Dental Insurance Rates for 2026

Employee only coverage:           $  42.54
Employee + Spouse:                   $  88.49
Employee + Child(ren):              $123.86
Family:                                        $169.94

There is no deductible for dental services.
A Summary of Benefits can be found here.

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