Martin's conference works with an insurance agent who happens to be a member of one of the conference's local congregations. "We are insured with Anthem, but we've been with others, too," he says. "We were in a self-insured plan for a while, which proved to not end well."
Crandall agrees that the biggest challenge for an insurance broker isn't finding the coverage, but helping the church client get the best coverage for the money they have to spend. "I normally advise them to give me a budget number for the year, and I'll make the plan work around that budget number," she says. "We may have a small group that has $10,000 to spend for the year and they need to insure the pastor and an associate pastor. I will bring them something that will work within those parameters. I can find them health insurance. The challenge is how much they have available in their budget to fund it."
Outside the Box
Crandall says there is a general misconception that health insurance coverage will cost more when an organization has a smaller population to insure. She says the difficulties are truly driven by the church's budget more than anything else.