Each summer, employers participating in the Concordia Health Plan (CHP) can elect a different plan coverage option for the coming year. We are here to help your ministry understand your different options, and your Account Team member can help with funding strategies and answer any questions you have during the selection process.
All employers can elect to offer one CHP option (known as Employer Choice). Some employers, based on number of workers, may be eligible to select multiple CHP options (known as Worker Choice).
Exempt and Non-Exempt Organizations
Under the ACA, certain organizations are exempt from having to provide coverage for certain women's preventive care services that are not aligned with our Lutheran beliefs. This exemption is also known as conscience protection.
Churches, conventions, associations of churches, and integrated auxilliaries are considered exempt, and we offer many health plan options with comprehensive, flexible coverage.
Universities, some schools, and Recognized Service Organizations (RSOs) and all others not meeting the definition of a religious employer are not exempt. For non-exempt employers to provide coverage that aligns with Lutheran beliefs, coverage can be continued in our grandfathered health plan options.