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• Employer Choice
• Worker Choice

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

Click HERE to view the Employer Choice newsletter

Only 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 25 workers enrolled in the Concordia Retirement Plan
• at least 75% of their CHP-eligible workers enrolled in the CHP (but no less than 15 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 to view the Employer/Worker choice newsletter.