The Episcopal Church Medical Trust (Medical Trust) provides Medicare-eligible retirees (age 65 and older) and their eligible dependents with health and prescription drug coverage through a UnitedHealthcare® Group Medicare Advantage (GMA) plan with two options: Premium PPO and Comprehensive PPO.

Plans Designed Especially for You

Not to be confused with individual Medicare Advantage plans, our custom Group Medicare Advantage plan was designed exclusively for Medical Trust retirees and their dependents.

In addition to delivering all the benefits of Medicare Part A, Part B, and Part D, this plan provides coverage for hearing aids, travel assistance benefits, fitness programs, and other benefits that are important to overall health.

Its two Preferred Provider Organization (PPO) options allow members to see any Medicare provider (in and out of network) at the same cost share, as long as the provider accepts the plan and has not opted out of or been excluded or precluded from Medicare.

Refer to the summary of benefits for a side-by-side comparison of the plan options.

Post-Retirement Health Subsidy

Retired clergy with at least 10 years of credited service under The Church Pension Fund Clergy Pension Plan—and their eligible spouses—receive a monthly subsidy to help offset all or a portion of the cost of purchasing the GMA Premium plan, the GMA Comprehensive plan, and/or dental coverage. Please note that the subsidy can be used only to offset the cost of medical and dental plans offered by The Episcopal Church Medical Trust to retirees.

See 2025 subsidy amounts.

Plan Highlights

• UnitedHealthcare^® HouseCalls (optional) – Welcome a healthcare professional to your home to review your health history and current medications, discuss health screenings, and identify health risks.
• Telephonic Nurse Support – Speak to a registered nurse anytime about medical questions and concerns.
• Renew Rewards – Earn rewards for completing healthcare activities.
• Renew Active – Take advantage of this fitness program that includes free gym membership, personalized fitness plans, and online brain health activities.
• Post-discharge transportation –
• Get unlimited rides to and from medical appointments for up to 30 days after discharge from a hospital or skilled nursing facility when referred by a UnitedHealthcare advocate.
• Post-discharge meals – Enjoy up to 84 fresh meals delivered at no additional cost immediately after discharge from a hospital or skilled nursing facility when referred by a UnitedHealthcare advocate.
• OptumRx® Network – Have prescriptions filled at thousands of pharmacies across the US or delivered you via Optimum Home Delivery.
• UnitedHealthcare Hearing - Access hundreds of name-brand/private-label hearing aids at any of 7,000 UnitedHealthcare Hearing providers nationwide.
• UnitedHealthcare Global - Access hundreds of name-brand/private-label hearing aids at any of 7,000 UnitedHealthcare Hearing providers nationwide.

* Includes cost for Medical, Rx, Vision, EAP, Health Advocate, and plan administration. We are no longer offering plans without prescription coverage.

** An out-of-pocket maximum places a limit on how much money you pay out of pocket for your medical expenses in a calendar year. This does not include prescription drug costs, plan premiums, or cost share for services not covered by Medicare.

The Episcopal Church Medical Trust Disclaimer