2023 HealthFlex Exchange Insurance

The Conference Board of Pension & Health Benefits has expanded the HealthFlex insurance plan options available to you and your family.   Since 2019, we have offered six insurance plan options in the three categories described below: 

Wespath HealthFlex Exchange Insurance Options

C2000 and C3000 Plans

These plans have separate deductibles for individual and families which must be met initially for medical and behavioral health services (office visits, inpatient & outpatient) before the plan pays a fixed percentage (co-insurance.) 

There is no pharmacy deductible; there is a fixed co-payment for generics and percentage co-insurance for brand medications.

Plan includes a conference sponsored Health Reimbursement Account and members can elect a Medical Flexible Spending Account, as well.

H1500, H2000, H3000 Plans

These plans combine the medical and pharmacy deductible for all family members. 

Medical and behavioral health services (office visits, inpatient & outpatient) as well as all medication/pharmacy services require that you meet the full annual deductible for all covered members before the plan pays a fixed percentage (co-insurance.) 

Plan includes a Health Savings Account to which the member can contribute; the member may also elect a limited use Medical Flexible Spending Account (vision and dental only.)

B1000 Plan

Medical and behavioral health office visits, urgent care and ER have a fixed co-payment, and the plan pays 100% of the remaining cost

Certain provider services require that a deductible be met first, before the plan pays a fixed percentage (co-insurance).

There is no pharmacy deductible – there are fixed co-pays for generic meds and co-insurance for brand medications. 

Members may elect a Medical Flexible Spending Account to assist with out-of-pocket expenses.


  • Preventative and wellness services are covered at 100%, with no deductible required
  • The same network providers and the same prescription drug formularies (BCBS & OptumRx)
  • An annual family deductible which must be met before the insurance pays
  • Vision Exam Core plan through VSP
  • Wellness programs, such as VirginPulse, Health Coaching, Employee Assistance Program, MDLive tele-medicine, Weight Watchers and others

IMPORTANT NOTE:  You must determine which plan is best for your family, not based solely on the monthly premium, but upon your estimated out-of-pocket costs.  Lower cost plans will have higher out-of-pocket costs for provider services.  It important for you to recognize and plan for higher costs if you choose a lower premium plan; i.e. higher annual deductibles, higher co-insurance costs, etc.   Check the Benefit Coverage for the plan you are considering. You should consider electing pre-tax payroll contributions to a medical FSA or HSA to help cover your higher out-of-pocket costs.

The Conference Board of Pension and Health Benefits is responsible for determining the health insurance uniform rate, which is debated and approved at annual conference. This is calculated by determining the total annual cost for active pastors in full-time or three‐quarter-time appointments as well as conference staff, divided by the number of clergy under full-time and three‐quarter appointment and conference staff.  The Uniform Rate is not an insurance premium. Every church pays the same base uniform rate, regardless of their pastor’s family size and church location.

In 2023, the Uniform Rate will be $19,200 annually ($1,600 monthly) for each church.

The monthly amount that each pastor and conference employee pays is determined by the plan they choose from among the six options. The conference will provide a monthly Premium Credit, based upon your coverage:  single, member + one, or family.   The Premium Credit, i.e. spending dollars, are used to “buy” a plan for you and your family from the six plans offered. 

You apply the Premium Credit to the actual cost of the plan you choose. If you choose a plan that costs less than the Premium Credit funding provided, the excess funds will be placed in an HRA or HSA for your use.  If you choose a plan that exceeds the Premium Credit funds provided, the conference will bill the excess cost to you. In each tier, (i.e. single, member + one, family) you will find that there are plans which cost less than the Premium Credit and plans which cost more. 

2023 NYAC HealthFlex Monthly Premium Credit


Member + 1






2023 HealthFlex Exchange

Monthly  Premiums




Member + 1


































FSAMedical Flexible Spending Account – Employee elects to have pre-tax deduction to assist in paying medical, vision and dental costs. Only the employee may elect and contribute to an FSA. Unused funds can be lost at the end of the plan year.

HRAHealth Reimbursement Account – The Employer provides the employee with limited funds to use for medical, vision and dental costs.  The employee cannot contribute to an HRA. Unused funds will rollover from year to year for active employees.

HSAHealth Savings Account – Both the Employer and Employee can deposit funds into an HSA; the HSA is owned solely by the employee. Unused funds are controlled by the employee and may be invested.

Here are examples of using the Premium Credit to choose your plan:

Pastor and spouse are allocated a Premium Credit of $1,590 per month.  Reviewing the plan options above, shows that there are three Member Plus One plans which cost more than their Premium Credit and three that cost less.  

If they choose the B1000 plan, they will be billed $287 per month by the conference.

              If they choose the H1500 plan, they will be billed $164 per month by the conference.

If they choose the C3000 plan, the “extra” funds of $21 will be deposited monthly into an HRA to help pay for their non-reimbursable medical expenses.  

Think of the Premium Credit as a store gift card.  While shopping, you check the prices to see what your gift card will purchase. Depending on the items you choose to buy, you might end up paying at the cash register. However, if you are a savvy shopper, you could end up with money left on the gift card for future use.

Do not forget that if you choose a plan that is less than your premium credit, you will have a higher annual deductible and higher out of pocket medical costs.  Choose wisely! Invest in a FSA or HSA to cover your costs.

This is a major shift in how medical insurance has been provided. Wespath provides several Decision Support Tools to help you choose the best plan for you and your family. Visit www.wespath.org to log into your account or register.

HealthFlex members are able to choose one of six health insurance plans, as well choose from three Dental Insurance plans and two enhanced Vision plans.

Premium Rates for Voluntary Dental and Vision Plans


2023 Dental Monthly Premiums





Member + 1


Dental Passive PPO 2000




Dental PPO




Dental HMO





2023  Vision Monthly Premiums





Member + 1


Vision Exam Core

included in all plans at no charge

Vision Full Service




Vision Premier