HealthFlex

HealthFlex is a wellness-driven group health plan for United Methodist Church (UMC) annual conferences and employer groups with more than 50 employees. It is offered by over 35 plan sponsors to provide health benefits and well-being programs for more than 10,000 clergy and lay participants and their families.

Coverage You Can Count On

Having national coverage with broad provider networks makes it easier to get the care you need wherever you are. We understand this is particularly important for clergy appointment changes and relocations. We’re able to offer world-class benefits by partnering with outstanding third-party administrators for medical, prescription drug, mental and behavioral health, dental, vision and wellness benefits. Learn more about HealthFlex Partners.

Health Plan Selection

If you’re covered by Wespath’s group health plan, you may have a choice between one or more health plans offered by your plan sponsor. HealthFlex Exchange uses a premium credit (fixed dollar amount defined by each plan sponsor) which can be used toward the premium of the plan you choose. Choosing your health plan is a big decision, and Wespath provides training and decision-support tools, like ALEX Benefits Counselor, to help you compare your options.

HealthFlex offers a broad range of plan designs, including:

• Six medical/pharmacy plans, most of which include a health savings account (HSA) or health reimbursement account (HRA) to help offset out-of-pocket expenses
• Three dental plans
• Three vision plans

Tax-Advantaged Health Accounts

Tax-advantaged accounts can help you save money for health and dependent care and get reimbursed for certain out-of-pocket costs. Ask your plan sponsor about the following types of accounts that may be offered along with your HealthFlex group health plan:

• Health savings account (HSA)—included with HSA plans
• Health reimbursement account (HRA)—included with HRA plans
• Flexible spending accounts (FSAs) for dependent care and health care

FSA rules were altered at the end of 2020 in response to the coronavirus pandemic. Here is a summary of the new rules that permit temporary flexibility:

• You are permitted to create or terminate a health or dependent care FSA mid-year. You also can increase or decrease contributions to an FSA mid-year.
• You cannot undo contributions to an FSA that have already been made.
• You cannot reduce your election for the year to an amount that is less than what has already been contributed or reimbursed.
• You can carry over all unused 2020 health and dependent care FSA funds for use in 2021 and 2022.

If you would like to create, terminate or modify an FSA, please e-mail [email protected]. Please also notify your salary paying unit and plan sponsor.

Benefits Focused on Well-Being

Beyond providing health coverage, HealthFlex is integrated with an award-winning well-being program to help you identify health risks and improve your health. From health coaching and nutrition programs to telemedicine and work-life services, HealthFlex supports your health and quality of life. Learn more about Well-Being Programs.

Wespath's sharing of this general information should not be construed as, does not constitute, and should not be relied upon as medical advice nor other professional advice or services on any specific matter.