Insurance Benefits - Active Employees

The Health Trust is committed to containing costs while maintaining quality benefit programs. We are a fully funded, self-insured trust offering a variety of benefit plans to participating employers and their employees.

The Health Trust offers five different health insurance plans for active employees. Effective January 1, 2008, these plans are as follows: one Indemnity plan (Indemnity Choice); three Point of Service plans (Traditional POS, Comprehensive POS, and POS-B); and one PPO plan (PPO Value).

Some employers may choose to offer employees the choice between a Point of Service plan and an Indemnity plan. This is called the Dual Option program. Under the Dual Option program, an employee may choose between the Traditional Point of Service plan and the Indemnity Choice plan; or between the Comprehensive Point of Service plan and the Indemnity Choice plan. The POS-B and PPO Value plans are stand-alone plans, not offered in conjunction with any other plan.

We also offer a dental plan; a short-term disability (Income Protection) plan; a Long Term Disability plan; and basic, supplemental, and dependent life insurance plans.

Please click on the appropriate link to the left or above for details on each program.