DALLAS -- The Southern Baptist Convention's Annuity Board is exploring medical plan options that will provide affordable choices for the denomination's 28,000 ministers and workers.

In 2003, a new, lower-cost Comprehensive Medical plan level will be offered, new provider networks will be in place and a well-baby care benefit will be added to each plan level, according to the Baptist Press.

"We are aware of the financial burden our participants are facing and the difficult decisions to be made when choosing a medical plan," said Doug Day, the board's executive officer for benefit services. "Of course everyone would prefer the highest benefit plan, but in reality, some individuals may need to consider other options. A plan level with a lower monthly rate but a higher deductible and co-pay percentage can provide the protection a family needs in the event of a serious illness or injury."

Some churches are choosing to use the plan with the higher deductible and co-pay percentage and then self-insure for the difference in the deductible and co-pay, Day said.

The Annuity Board's medical plans are funded from monthly payments for coverage received from participants and employers. The board is encouraging churches to provide adequate employee benefits and promote healthier lifestyles, including more exercise and adequate rest, Day said. More than half of last year's medical claims were related to situations that could have been prevented with healthier lifestyles, he said.