5 Questions to Ask When Choosing Group Health Plans for Ministries

1. Which plans align with biblical values?

As a ministry, biblical values are the foundation for all you do. To find a health plan guided by Christian values, evaluate three ethical considerations:

• Does the health plan value the sanctity of life?
• Does the health plan align with God’s design for men and women?
• Does the health plan enable your employees to be good stewards of their health?

2. What is my budget?

Knowing how much your ministry can afford to spend on a benefits program is a must. Cost will be a critical factor as you review your options. Calculate how much your ministry can spend on a health plan before evaluating your options.

3. What do my employees need?

Health care needs can vary among life stages, so focus on choosing a plan that best meets your staff’s needs. A lower-cost HSA-qualified High Deductible Health Plan (HDHP) may be a good match for young, healthy adults. A comprehensive PPO option may be a better fit for families or individuals seeking a full range of benefits and broader coverage.

4. Which wellness tools and programs are included?

Look for wellness tools and programs, such as telemedicine or a diabetes management program, that can help lower out-of-pocket health care costs. When employees maintain their health, claims may be reduced, helping your ministry achieve more consistent rates over time.

5. Which provider will best support your ministry?

Finding the right plan type is just the beginning. It’s also essential to find a provider network that will meet your ministry's ongoing needs through clear communication and efficient practices. Listen to what other ministries share about their relationship with their providers.

Ready to shop for a group health plan?

GuideStone offers a variety of group health plans for ministries at multiple cost options to help provide coverage for your employees while balancing your budget. For more information, contact us at Insurance@GuideStone.org or 1-844-INS-GUIDE (1-844-467-4843), Monday through Friday, from 7 a.m. to 6 p.m. CT.

GuideStone welcomes the opportunity to share this general information. However, this article is not intended to be relied upon as legal advice, medical advice, diagnosis or treatment.