1. Christian Church
Healthcare
Benefit Trust
• Began in 1972 offering health benefits to clergy
and lay employees of the Christian
Church(Disciples of Christ)
• Currently cover 1500 active employees and 1100
Medicare eligible members
• Converted to Employer Group Waiver Plan
effective January 1, 2010. Prior coverage was
primary over Medicare Part D without receiving
subsidy

2. Considerations leading to EGWP Selection
• Flexibility in plan design – able to maintain
current plan design structure
• Access to CMS subsidy not previously received
• Ease of member enrollment
• Potential savings of $800k
• Additional options for members in skilled-
nursing facilities to access 90 day supply of
medicine via retail pharmacy
• Able to give a 12% rate reduction to our
Medicare Eligible members

3. Pluses and Minuses
• Pluses
– Being eligible for subsidy, when we previously were ineligible
– Able to transition our “active” members to the EGWP plan easily once they
become Medicare eligible
– More flexibility for our shut-in members
• Minuses
– Medicare Formulary seems too narrow and does not always make fiscal sense
• Formulary sometimes covers more expensive drugs that may not be as effective in treating
condition
– Need to “Over” communicate with members when making the transition
• If you think you have communicated enough, communicate again with members
– There will be “noise”
• Mainly regarding the Medicare formulary