Until 2011, the church offered its employees a standard benefitspackage, including major medical coverage with a modest deductible,life insurance, and optional group dental and vision coverage. Butit wasn’t cheap. The church’s last annual premium increase, Neilsays, was a little more than 50 percent of the previous year’spremium. “That plan was just cost prohibitive,” she says.
To save money, the church’s broker moved them to a major medicalplan with a higher deductible, plus a discount plan.
“We thought it would be a nice buffer, a way of easing theburden a little of going to a higher-deductible major medicalplan,” says Danny O’Connell, a partner at the Dallas-based BenefitResource Group and the church’s broker.
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