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    • Insurance
    • Consumer-Driven Plans (HSA-Qualified High Deductible Health Plans (QHDHP))
  • What if I want more information about my medical plan?

    Plan booklets provide information on how your medical plan is administered. To se

  • If I lose my Medical ID cards, can I order new cards online?

    Yes. Just log into Highmark BCBS and select “View ID Card,” and then choose “Orde

  • What is a network provider?

    A group of hospitals, physicians and other providers who are contracted to furnis

  • How do I find doctors who have evening or weekend hours?

    Visit the Highmark BCBS page. Follow the "Find a doctor or Rx" tab. Choose "Find

  • How do I find hospital quality information?

    Log into Highmark BCBS. Select the "Find a doctor or Rx" tab. Utilize the Blue Di

  • How do I find Blue Cross Blue Shield Blue Distinction Centers?

    Blue Distinction Centers can be find at BCBS.com/blue-distinction-center-finder w

  • Does my Consumer-Driven Health Plan have co-pays?

    No. Because your plan is a HSA-qualified High Deductible Health Plan (QHDHP), it

  • What is a deductible?

    This is the amount a plan member pays out-of-pocket before the plan’s co-insuranc

  • How does a deductible work for a Consumer-Driven Health Plan?

    A deductible is the amount you pay out-of-pocket before your plan pays for any be

  • What does co-insurance maximum mean?

    The co-insurance maximum is a specified dollar amount of Out-of-Network eligible

  • Does my Consumer-Driven Health Plan have a vision benefit?

    Yes. Your Consumer-Driven Health Plan includes a vision exam benefit. You can rec

  • Do GuideStone medical plans include maternity care?

    Yes, all of our medical plans include maternity coverage. It does not need to be

  • What is re-enrollment?

    Personal Plans Each year in the fall medical and dental plan members will receive

  • Could a recent change in my employment status affect my insurance coverage?

    Yes, a change in your employment status can affect eligibility for your insurance

  • When do I need to add my newborn or adopted child to my health plan?

    To make sure your claims are properly processed and the child is added to your he

  • Where do I mail my medical claims?

    Highmark Blue Cross Blue Shield® P.O. Box 3355 Pittsburgh, PA 15230-3355

  • Do I need to submit a medical claim if my doctor will submit one on my behalf?

    BCBS in-network participating providers should file claims on your behalf. You ma

  • How do I submit a medical claim if my spouse has other employer provided medical coverage?

    For charges incurred by your spouse, file first under the spouse's plan and retai

  • How do I locate providers who accept GuideStone’s plans?

    GuideStone's plans utilize the Blue Cross Blue Shield BlueCard® (BCBS PPO) networ

  • What preventive care services are covered on GuideStone’s plans?

    Covered services are based on a Preventive Care Schedule , which includes prevent

  • Who is considered a specialist?

    Any physician not considered a primary care physician. 

  • What is co-insurance?

    This is the amount a plan pays for eligible services after the deductible is met.

  • What is the difference between “individual deductible” and “family deductible”?

    Please see here for more information on a deductible. An individual deductible is

  • How does my maximum out-of-pocket work?

    Your health plan limits how much you’ll pay out of pocket for covered, in-network

  • What is the difference between an embedded vs non-embedded maximum out-of-pocket limit?

    For plans with a non-embedded maximum out-of-pocket limit, the individual maximum

  • Can I change my health insurance mid-year?

    Mid-year changes are only allowed within 60 days of one of the following events:

  • Does GuideStone offer COBRA?

    No, GuideStone’s medical plans are exempt from COBRA, but we do have similar prov

  • What will happen to my personal plan medical coverage for my spouse and dependent children after divorce or legal separation?

    The participant’s spouse or covered dependent children may continue coverage up t

  • Does GuideStone offer Identity Theft protection?

    If you are enrolled in a Highmark BCBS plan, Experian IdentityWorks is provided t

  • When will I receive ID cards for my medical plan?

    Health plan participants will receive one ID cards - including both health plan i

  • How do I add a dependent on my Personal Plan medical coverage?

    To add your newly acquired dependent through marriage, birth, adoption or placeme

  • What happens if I become covered by a health plan other than a HSA-qualified High Deductible Health Plan (QHDHP), become eligible for Medicare or become a dependent on another person’s tax return?

    You will lose eligibility to establish or contribute to the HSA. You can keep you

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