NHMTA EMPLOYEE BENEFIT TRUST
The New Hampshire Motor Transport Association (NHMTA) has been providing health care benefits to its qualified members for over 72 years. During the 1950's the unions in Boston were attempting to organize trucking companies in Northern New England. The initial NHMTA health plan was offered as an alternative for the non-union employees.
In 1950 the NHMTA health plan was fully funded and administered by Andy Staly, then the NHMTA Executive Directory. The founding fathers of the NHMTA health plan include George Law, Henry Turcotte, Roy Stewart, Norman Schwartz and Al Holmes.
As the NHMTA health plan grew in size and stature, a Board of Trustees, evolved to help manage what is known today as the NHMTA Employee Benefit Trust.
In 1981, the NHMTA Employee Benefit Trust under the direction of the Board of Trustees became a self-funded health program. The administration of the billing of the NHMTA-Employee Benefit Trust was handled at the NHMTA office. Willis Coroon of Rockingham, New Hampshire, formerly Kendall Insurance, handled the claims administration for this health plan.
Today, the Trust handles it billing and eligibility files in house. The Trust has an administrative agreement with CIGNA Healthcare to process all claims.
The Trust offers a variety of plans from traditional Open Access Plans (OAP) to High Deductible plans that qualify for Health Saving Accounts (HSA). All plans have a national network with no referrals needed for specialty care; however some procedures still need medical necessity approval. The EBT offers many different plans - Click on the plan summary below to get more details:
High Deductible plan (Heath Savings Account Compatible) single $1,500 deductible - $3,000 Maximum (HD 1) High Deductible plan (Heath Savings Account Compatible) single $2,500 deductible - $5,000 Maximum (HD 2)
Health Reimbursement Arrangement - $750 reimbursement - single $1,500 deductible - $3,000 Maximum (HRA 750)
Health Reimbursement Arrangement - $1,000 reimbursement - single $1,500 deductible - $3,000 Maximum (HRA 1000)
Open Access Plus - $15 PCP - $25 Specialist 100% coverage for hospitalization (OAP 601) Open Access Plus - $20 PCP - $30 Specialist - $500 co-pay Inpatient/$250 Outpatient (OAP 602)
Open Access Plus - $15 PCP - $30 Specialist - $1,000 co-pay Inpatient/$500 Outpatient (OAP 603)
Open Access Plus Network - single deductible of $1,000 (OAP $1000)
Open Access Plus Network - single deductible of $1,500 (OAP $1500)
Open Access Plus Network - single deductible of $3,000 (OAP $3000)
Are you interested in added Dental to your plan offerings. Here are the dental benefit summaries:
409-2 Calendar Max of $1,000 uses a table of allowance
409-3 Calendar Max of $1,250 uses a table of allowance
495-8 Calendar Max of $1,000 Uses Maximum participating dentistís approved fees.
495-9 Calendar Max of $1,250 Uses Maximum participating dentistís approved fees.
496-0 Calendar Max of $1,500 Uses Maximum participating dentistís approved fees.
Other Benefit Offerings:
Short Term Disability Plan
Vision Plan Summary
Please click here for NHMTA-EBT Enrollment Form.
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NHMTA VOLUNTARY DENTAL INSURANCE
NHTMA AFLAC INSURANCE
There are two kinds of expenses related to an accident or sickness:
1. Doctor and the Hospital expenses (Paid by your insurance company)
2. Out-of-pocket expenses (paid by you)
With Aflac, money is paid directly to you for out-of-pocket expenses, such as:
- deductibles
- co-pays
- additional expenses not covered by your insurance,(i.e. lost wages, gas money, food, lodging)
Here is a common scenario that many families encounter:
- You or a family member has a serious medical situation requiring immediate attention. The doctor bills and hospital expenses will be paid by your company health insurance. The deductibles and co-pays are your out-of-pocket expenses.
- Once you and your family are back at home, additional follow-up care is generally required. Family members will take time off work to drive to and from doctor appointments. Even if the situation qualifies for disability insurance or workers' compensation benefits, they are only covered at 60% of an employee's wages. That is a 40% pay cut. Additional assistance at home, missed work, reduced pay, deductibles, co-pays, etc., it all costs money.
Aflac can help...
by providing disability coverage that can offset the costs associated with accidents, hospitalizations, cancer treatments, heart attacks, and/or strokes. When medical care is needed...Aflac pays you for the out-of-pocket expenses. Fixing a broken tooth, surgery for an accident, ongoing cancer treatment...Aflac is there. The money can be used for any purpose needed...you decide...your choice.
Aflac provides the assurance needed to know your out-of-pocket expenses are covered!
This coverage is paid by the employee, at no cost to the employer. The enrollments are quick and easy, with on-site presentations. All claims are processed quickly, and pre-tax savings are paid incrementally without any price increases!
Over 500,000 businesses in the U.S. offer Aflac and please check us out to see what you're missing!
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