GuideStone Insurance for Churches, Ministries & Christian Nonprofits

You were called to lead a ministry — not to spend your week decoding health insurance. Yet every year, church leaders are handed benefit plans built for corporations, priced for corporations, and designed without a thought for the convictions your ministry holds. HFC Insurance can now help you fix that.

We’re pleased to offer GuideStone® health plans and insurance products — coverage created specifically for churches, ministries, and Christian organizations. If you’ve been looking for a benefits partner who understands both employee benefits and the heart of your calling, you’re in the right place.

GuideStone is a church health plan that began within the Southern Baptist Convention and has grown to serve the wider evangelical community. Because it operates as a church plan and nonprofit entity, it can offer group health coverage designed around biblical convictions on life and family — without asking your ministry to compromise on the quality of care your team receives.

Instead of a single one-size product, GuideStone provides a range of group and personal plan designs, so churches of different sizes and budgets can find an option that fits.

GuideStone coverage is designed for evangelical churches, ministries, and Christian nonprofit organizations. A few points worth knowing:

• Group health plans are available for churches and ministries with two or more enrolled employees.
• To offer a group plan, the employer contributes at least 50% of the employee-only cost of medical coverage.
• Employees generally qualify when they work 20 or more hours per week as paid staff of an eligible ministry.
• Personal health plans are also available for individuals and families.

Not every organization will meet the eligibility requirements. The simplest way to learn where your ministry stands is a short conversation — that’s what we’re here for.

A GuideStone health plan is built to be more than a card in your wallet. Coverage can include:

• Nationwide network access through Blue Cross Blue Shield, so staff can find in-network care across the country.
• International coverage options for mission trips and full-time missionaries, through global BCBS and Cigna Healthcare International networks.
• Prescription savings through Express Scripts, including home-delivery and specialty medication options.
• Built-in member perks such as 24-hour telehealth, health coaching, a type 2 diabetes reversal program, and virtual physical therapy.
• Care-navigation support and tools that help members find quality providers at competitive prices.

Ministries can round out the package with dental, vision, life, accident, and short- and long-term disability coverage — often for less than leaders expect.

Yes. One reason ministries choose GuideStone is that group coverage is available for as few as two participating employees. Smaller churches that assumed group health was out of reach often find they can access richer benefits than expected for their size, because a church plan pools many ministries together.

Churches and ministries are not entirely exempt from the Affordable Care Act. Organizations with 50 or more full-time employees are treated as applicable large employers and are expected to offer minimum essential coverage. GuideStone group health plans are designed to satisfy that minimum essential coverage requirement. If you’re unsure how the rules apply to your ministry, we can walk through it with you.

HFC Insurance is a locally owned, independent agency in Lancaster, South Carolina. Our president, Marty Haynes, is a U.S. Air Force veteran with more than 30 years in insurance — and someone active in his own church and community. We understand ministry because we’re part of one.

As an independent agency, we don’t answer to a single carrier — we work for you. That means we can help you weigh GuideStone alongside your other options and recommend what genuinely fits your ministry, your team, and your budget. And because we’re local, when you call, you reach people who know your name.

HFC Insurance serves churches, ministries, and nonprofits in Lancaster, Rock Hill, Fort Mill, and Indian Land, South Carolina, along with Charlotte, North Carolina, and communities across the Carolinas. Whether your ministry is down the street or across the state line, we’re ready to help.

Yes. HFC Insurance can offer GuideStone health plans and insurance products to eligible evangelical churches, ministries, and Christian nonprofits in South Carolina, North Carolina, and across the Carolinas.

A church health plan is a health plan established and maintained by a church, convention, or association of churches. Because it operates as a church plan, it can be designed around biblical values and may offer group rates to smaller ministries that pool together.

GuideStone group health coverage is available for churches and ministries with two or more enrolled employees, with the employer contributing at least half of the employee-only medical cost.

Yes. In addition to group plans, GuideStone offers personal health plans for individuals and their families.

GuideStone offers international coverage options for short-term mission trips and full-time missionaries through global Blue Cross Blue Shield and Cigna Healthcare International networks.

Call Marty Haynes at HFC Insurance at 803-286-1161, or visit hfcinsurance.com. We’ll confirm your ministry’s eligibility and walk you through the options.