Insurance

GuideStone Group Health Plans are available to evangelical churches, agencies, or institutions affiliated with, or sharing common religious bonds with, the Southern Baptist Convention. To qualify for GuideStone Group Plans:

• Employers with two to four covered employees must contribute 100% of the employee-only cost of medical coverage.
• Employers with five or more covered employees must contribute a minimum of 50% of the employee-only cost of medical coverage.

Employees may participate in a GuideStone group health plan if they work 20 or more hours per week and are paid, full-time employees of an eligible church, agency, or institution affiliated with, or sharing common religious bonds with, the Southern Baptist Convention.

GuideStone offers group health plans for churches and ministries with two or more enrolled employees.

A church health plan is established and maintained by a church, a convention or an association of churches. GuideStone is a church health plan originally chartered by the Southern Baptist Convention that has expanded to offer coverage to the wider evangelical community.

Church plan benefits include:

1. Church plans can be a lower-cost option.
2. The plans provide smaller churches with access to group health coverage.
3. They are created specifically for churches and ministries.
4. Many church plans are self-funded, allowing groups to reap the benefits of self-funding without assuming the risks.
5. Church plans have greater flexibility in calculating rates.
6. These plans reflect biblical values regarding the sanctity of life.
7. Church plans bring together benefits from several health care service vendors, including Blue Cross Blue Shield, Express Scripts® and Teladoc^®, allowing them to offer the best of the best.

In 2020, groups who chose GuideStone Group Health Plans saved up to 31%* on average. We can offer low rates because we are not-for-profit. Our plans are priced to break even, and our sole focus is serving you.

*When compared to Texas, Blue Cross Blue Shield PPO, small group community rated exchange products.

GuideStone offers more a variety of health plans designed to match your budget and health care needs. You can choose a comprehensive PPO plan, a consumer-driven plan — such as a high deductible health plan, a more budget-friendly protection plan, or an international plan for those serving outside the United States.

GuideStone’s plans offer access to the Highmark Blue Cross Blue Shield network of providers, one of the country's largest. More than 96% of hospitals and 95% of doctors and specialists in the United States and its territories contract with BCBS. That’s more than any other carrier. This recognized industry leader provides network discounts of more than 50%, saving your covered employees and their covered dependents money when receiving care from in-network medical providers.

International medical plan participants have access to Cigna’s fully vetted, global directory of network providers.

GuideStone plans include access to Teladoc, the first and largest telehealth provider in the United States. Teladoc is available with no out-of-pocket co-pays for those on PPO plans and protection plans. Individuals in High Deductible Health Plans are covered at 100% for Teladoc services after reaching their yearly deductible.

Illustrative (ballpark) quotes are generally returned to you within 48 business hours.

Based on recent claims data, the top claims our churches are seeing include wind damage, fire damage, hail damage, water damage, workers’ compensation, sexual acts liability and non-owned/hired car liability. We want to help you be proactive in protecting your ministry and those you serve. Learn More.

We believe when the body of Christ is healthy, it’s free to transform the world — and we want to help guide and equip your ministry and its people to do just that. For more than 100 years, Brotherhood Mutual has been advancing the Kingdom by providing valuable property and liability insurance tailored specifically for churches and ministries. We’ve teamed up with Brotherhood Mutual to help you focus on what’s most important — fulfilling your calling in ministry. Learn More.

Separate policies can be purchased for both special events and mission trip coverage. When an accident occurs during church, school or camp activities, accident insurance plans will help by providing coverage for medical expenses associated with accidental injuries, with deductibles as low as $0. And regardless of where your mission takes you, travel insurance is essential. Brotherhood Mutual has allied with Fly For Good^® to bring mission travelers the Faith Ventures^® card, an affordable travel medical insurance option that comes with single- or multi-trip plans for foreign and domestic short-term mission travel.