2026 Rates & Information
2026 Health Benefits Overview for Active Clergy and Lay Employees
We are pleased to provide you with these important details about Annual Enrollment and the 2026 health benefit offerings from The Episcopal Church Medical Trust (Medical Trust). Please share this information with your employees.
Online Annual Enrollment for 2026 will take place from October 15 to November 7, 2025.
For information about eligibility for the Episcopal Health Plan, the Medicare Secondary Payer Small Employer Exception (MSP-SEE) Plan, and the Group Medicare Advantage Plan, refer to the Medical Trust’s Administrative Policy Manual.
Quantum Health
During Annual Enrollment, Quantum will be available (at 866-871-0629) to help both members and potential members (i.e., those eligible to enroll) in plans that use the Anthem and Cigna networks to review existing benefits, understand plan options, and choose the right plan for themselves and their families.
Medical Plans
We will offer the following medical plans to our employees through the Medical Trust. We are also introducing a comparable Cigna plan for each of our Anthem plans. Please check with your preferred providers to ensure they are accepting Cigna plans. The monthly rates shown below reflect the Medical Trust rates before any applicable employer or employee contribution and, as a result, may differ from the employee’s actual costs.
| Medical Plan / Monthly Rates | Single | Employee + 1 | Family |
| Anthem BCBS BlueCard PPO 90 | $1,452 | $2,614 | $4,066 |
| Cigna Open Access Plus PPO 90 | $1,452 | $2,614 | $4,066 |
| Anthem BCBS BlueCard PPO 80 | $1,225 | $2,205 | $3,430 |
| Cigna Open Access Plus PPO 80 | $1,225 | $2,205 | $3,430 |
| Anthem BCBS BlueCard PPO 70 | $1,088 | $1,958 | $3,046 |
| Cigna Open Access Plus PPO 70 | $1,088 | $1,958 | $3,046 |
| Anthem BCBS CDHP-20/HSA | $998 | $1,796 | $2,794 |
| Cigna Open Access Plus CDHP-20/HSA | $998 | $1,796 | $2,794 |
| Anthem BCBS BlueCard MSP PPO90 * | $1,162 | $2,092 | $3,254 |
| Cigna Open Access Plus MSP PPO 90 * | $1,162 | $2,092 | $3,254 |
* Medicare as a Second Payer
Dental Plans
Delta Dental, the Medical Trust’s dental vendor, has the largest network of dentists nationwide. In 2026, members will continue to be able to access services in two of its networks (PPO and Premier) or use out-of-network dentists. Member coinsurance, deductible, and maximum annual benefit will vary based on the network they use for a covered dental service.
We will offer the following Delta Dental plans through the Medical Trust. The monthly rates shown below reflect the Medical Trust rates before any applicable employer or employee contribution and, as a result, may differ from the employee’s actual costs.
| Dental Plan / Monthly Rates | Single | Employee + 1 | Family |
| Delta Dental Premium | $85 | $153 | $238 |
| Delta Dental Comprehensive | $65 | $117 | $182 |
| Delta Dental Basic | $50 | $90 | $140 |
What You Need to Know About Annual Enrollment
- Current members may change their plan selections for the upcoming year.
- If the employee plans to maintain current medical or dental coverage, no action is required.
- Eligible nonparticipating employees have the option to enroll in a Medical Trust plan.
- Eligible dependents may be added to or removed from a member’s plan without the need to demonstrate a qualifying event.
Currently Enrolled Employees
Approximately one week before Annual Enrollment begins, currently enrolled employees (plan members) will receive a letter in a green envelope from the Medical Trust with information about Annual Enrollment dates and how to access the enrollment site. Please instruct employees to save this letter and encourage them to begin reviewing their options early. If an employee takes no action and their current plan(s) are offered for 2026, their plan selection(s) will automatically carry over to 2026, and any applicable rate increases will apply.
IMPORTANT REMINDER: Members will make their plan selections on MyCPG Accounts using the email address and password associated with their MyCPG Account. If they have not already done so, members must create an account before Annual Enrollment.
For assistance, employees may contact CPG Client Services at 800-480-9967, Monday to Friday, 8:30 a.m. to 8 p.m. ET, or email [email protected].
Nonparticipating Employees
Eligible employees and dependents not currently enrolled in a Medical Trust plan will not receive an Annual Enrollment letter but may enroll during Annual Enrollment for the 2026 plan year. If they do not enroll during Annual Enrollment, their previous decision to decline coverage will carry over into 2026. Please submit an enrollment form to the Diocesan Finance Department, as this process must be handled by the group administrator.
Plan Documents
2026 Summaries of Benefits and Coverage and Plan Document Handbooks containing plan details are available on the Church Pension Group website at cpg.org/mtdocs.
2026 Plan Offering
Please note that there are no changes to our current medical or dental plan options for 2026, other than the option to switch to a comparable Cigna plan. Members are encouraged to verify their personal information, dependent coverage, and plan selections and to make changes if necessary by logging in to MyCPG Accounts during Annual Enrollment. If they have not already done so, all members must create an account at cpg.org/mycpg before Annual Enrollment.
During Annual Enrollment, Quantum will be available at 866-871-0629 to Anthem and Cigna network members (and potential members) who want help reviewing existing benefits, understanding plan options, and choosing the right plan for themselves and their families.
Employee Assistance Program (EAP) with Cigna Behavioral Health
In addition to health plans, the Medical Trust makes available a standalone EAP through Cigna Behavioral Health that you may offer to employees who opt out of medical coverage. Cost for EAP Coverage is $4/month. (Employees who enroll in Medical Trust medical coverage are automatically enrolled in Cigna EAP benefits.)