In the fall of each calendar year employers participating in the CHP can elect a different plan coverage option for the new year. Employers can choose from all of the options currently available – there are no restrictions for “opting up” and choosing an option with a lesser or no deductible for their workers. The plan coverage option annually elected by the employer will apply to all the employer’s workers (and their enrolled dependents) for the entire calendar year.
The vast majority of LCMS employers (churches, schools, universities, etc.) participate in Employer Choice for their workers. Employer Choice means that the employer makes the choice about Concordia Health Plan (CHP) participation by selecting one plan coverage option to provide for all of its CHP-enrolled workers.
A select number of employers are eligible to participate in Worker Choice for their workers. Worker Choice means that the employer may select two or three plan coverage options to offer its workers, and then each worker makes his/her own choice as to the specific Concordia Health Plan (CHP) coverage.
Eligible employers are those who have met the following criteria:
- a minimum of 15 workers enrolled in the Concordia Retirement Plan
- at least 75% of their CHP-eligible workers enrolled in the CHP (but no less than 10 workers enrolled in the CHP)
- a funding strategy that considers both the employer’s contribution level and the worker’s responsibility
- a history of on-time invoice payments
- they do not offer any other medical coverage to their workers
- compliance with the Plans provisions
Click here for more information about Concordia Health Plan options.