EFCA churches, as well as other churches and ministries who are clients of FCMM, now have access to the group health insurance programs of GuideStone Financial Resources (the church benefits board that serves Southern Baptist and select evangelical ministries). The GuideStone health plans are self-insured but are administered by Highmark (the Blue Cross medical network) and Express Scripts pharmacy network.
In conjunction with the denomination partnership, GuideStone has developed insurance solutions that provide group health plans to any size group, starting with two eligible employees. As a group health plan, there are qualifications and procedures for underwriting, including completion of health questionnaires by all eligible employees.
The health plans include both standard Preferred Provider Organization (PPO) and High Deductible Health Plan (HDHP). HDHPs are eligible for use with a Health Savings Account (HSA).