Medical Expense Plan: Delivering Value, Access, and Results

By Clare Krabill April 29, 2025

In 2024, the Medical Expense Plan (MEP)—MHS Association’s flagship health insurance offering—provided coverage for 2,133 individuals across 10 member organizations. Total expenses for the year approached $22.4 million.

As an IRS-designated church plan administered through a nonprofit partnership with Everence, MEP participants benefited from significantly reduced overhead costs of just 7%, compared to the industry average of 13–15%. Strong financial performance led to a $1.83 million distribution to participating organizations in the first quarter of 2024, adding to a cumulative $30.64 million distributed over nine of the past thirteen years.

Through its affiliation with the nation’s largest PPO network, 99.5% of claims were processed in-network. MEP also made significant strides in promoting physical and mental well-being:

MEP continues to deliver exceptional value, strengthen participant health outcomes, and contribute meaningfully to the long-term success of our member organizations.