The Medical Expense Plan (MEP) is a self-funded church plan sponsored by MHS and available to qualified MHS members. The plan encourages member organizations to work together to improve employee health and manage medical expenses.
“Our organization is able to better afford group health insurance with the shared risk pool. The expertise, experience and shared commitment of all the other member agencies is priceless in sound management decisions.” CEO, Adriel Inc.
Our goal is to provide cost-effective employee health benefits to organizations that share common beliefs about stewardship, mutual aid, and community. MHS Alliance members seeking a fresh perspective on health are encouraged to consider this plan, where members share cost and responsibility as owners of the MEP. Watch this brief video for more information.
Who Can Join
Any qualified MHS Alliance member with 25 or more insurance-eligible employees can take part in the Medical Expense Plan.
Plan members are represented by their CEO who will sit on their behalf as part of the Governing Council. This council meets biannually to create policies for the MEP and set strategic direction for the future, and contract with an executive to carry out their policies and provide general oversight to their service providers. Human Resources management staff also work together as an Administrative Committee to provide advice and recommendations on improvement for the Plan
How We Do It
The Medical Expense Plan qualifies to purchase medical services through Highmark’s nationwide Blue Cross, Blue Shield network (the Blues) from its partnership with Everence, providing affiliation with the Church Benefits Association. It joins with other denominations to gain the negotiating clout of over 130,000 members. The Church Benefits Association is Highmark’s largest national account.
Financial Distribution to Members
If shared risk claims are lower than expected, employers are eligible to receive distributions of unused funds. Employers benefit from favorable claims experience.
Church Plan Status
Self-funding through MHS Alliance provides members access to church plan status – an IRS designation that provides additional benefits such as fewer regulations and lower administration costs. This provides members with more funds for their mission.
MHS Alliance Medical Expense Plan