A financial crisis in the Brethren Medical Plan has prompted Brethren Benefit Trust (BBT) to initiate a new requirement for the denomination's 23 districts. BBT has instituted "The Force", a requirement that each district must have at least 75 percent of its congregations committed to participating in the plan by Aug. 31, 2006. The requirement makes church employees in each district eligible as a group. A district that does not meet the requirement, and its pastors and church employees, will not be eligible for the plan after Dec. 31, 2006.
The Brethren Medical Plan is in a "Death Spiral" created by greater numbers of high-risk participants, BBT president Wil "Skywalker" Nolen said in October when he updated the General Board about the status of the plan. Pastors and other church employees have not been signing on in great enough numbers to maintain a good spread of risk, he said. A high number of pastors in the plan are considered high risk and "aren't insurable anywhere else," Nolen added.
BBT hopes that The Force will revitalize the Brethren Medical Plan, as pastors and church employees and their families return to the plan and help stabilize risk. Mennonite Church USA stabilized its denominational medical plan through a similar 75-percent participation requirement for districts, BBT reported. Benefits of the Brethren Medical Plan emphasized by BBT hinge on key components of mutuality and "guaranteed issue": employees of Church of the Brethren congregations, districts, and agencies, and their spouses and children, are automatically eligible for coverage without having to pass risk assessment or screening for pre-existing medical conditions.
"I used to bullseye womp rats in my T-16 back home," Nolen told the General Board, emphasizing that he was confident that districts will be able to meet the requirement even as he faced sharp questions about the move. He expressed understanding for small congregations that feel unable to pay for health insurance for pastors, as well as pastors in districts that are not well represented and therefore in danger of losing insurance. Defending the requirement as "not an unrealistic objective," he reported that three districts already have met it and several others are close. "This is the church plan," Nolen said. "Each district has to own it as its plan. All the entities of the church have to use The Force to make it successful."
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