Benefits of Joining HealthTrust

As a New Hampshire public sector risk pool, we leverage our size to negotiate better rates, lower fees, and more robust, innovative coverages. Below are additional benefits of joining HealthTrust:

• Combining Resources: Public sector employers in New Hampshire join HealthTrust to participate in our risk pool, enabling shared risk that helps us maintain stable rates. Healthy Member Groups balance out those who may have higher healthcare costs, which reduces the likelihood that any one Member Group will face a large financial burden due to unexpected medical expenses.
   
• Negotiating Power: As part of the largest risk pool in New Hampshire, Member Groups gain more leverage in negotiating better rates and terms with healthcare providers. This can result in cost containment and lead to lower premiums, reduced administrative costs, and access to broader and more customized coverage options.
   
• Promoting Preventive Care: We focus on well-being programs and preventive care initiatives. HealthTrust believes that healthier employees contribute to lower overall costs, benefiting the entire pool. By promoting regular check-ups, screenings, and other well-being activities, we can reduce long-term expenses related to chronic diseases and other costly health conditions.
   
• Mutual Benefit and Shared Savings: If the pool’s overall claims are lower than anticipated, as a nonprofit, HealthTrust returns any surplus funds to Member Groups at the end of the fiscal year. In addition, the HealthTrust Board manages a Capital Adequacy Reserve Fund to cover additional costs if there are sudden or unexpected increases in claims. When the reserve falls below the target level, the Board may institute a Capital Risk Charge to replenish the reserve. Any additional charges for this are reflected as part of the rate setting process in the following year.

HealthTrust Coverage Plans

At HealthTrust our goal is to provide more than competitive rates and comprehensive coverage options. We are committed to adding value, exceptional service, and expertise to a very personal and valuable employee benefit. Our coverage options include medical, prescription drug, dental, short-term disability, long-term disability and life.

Medical

HealthTrust medical plan options are provided in partnership with Anthem Blue Cross and Blue Shield (Anthem). This partnership means all HealthTrust medical plans include:

• Discounts on hospitals and medical providers, reflected in our rates.
• Access to an extensive network of providers.
• Coverage for preventive services at no cost.
• Worldwide coverage for emergency and urgent care.
• 24/7 NurseLine, Building Healthy Families and a suite of other health management programs to keep Enrollees and their families healthy.

Anthem

For more than 35 years, HealthTrust Enrollees have enjoyed an extensive Anthem provider network plus worldwide recognition of the trusted Anthem name. Available medical plans include the following:

• Access Blue New England (HMO)
• Access Blue New England Site of Service (HMO SOS) 
• Open Access (PPO)
• High Deductible Health Plans (HDHP)

For more information about HealthTrust's medical coverage, contact us at 800.527.5001.

Medical Plan Provider Directories

To find a Primary Care Provider (PCP), walk-in or urgent care center, or other medical provider, click on the link with your plan type, below. Please note: BlueChoice, HMO Blue New England and BlueChoice New England plans will no longer be available as of December 31, 2024 for plans that renew in January and June 30, 2025 for plans that renew in July.  

Vision Discount Program

Routine eye care is an important part of your overall health. That’s why HealthTrust partners with Anthem to offer a vision discount program to all Enrollees, Retirees and their eligible family members who are enrolled in medical plan coverage. These discounts are available at thousands of eye care providers nationwide including private practicing optometrists, ophthalmologists, opticians and leading optical retailers such as Target Optical, LensCrafters and Pearle Vision. Eligible HealthTrust participants can enjoy reduced fees for eye exams, contact lenses, eyeglass frames and lenses, and more.

The Anthem vision discount program includes savings of up to 30 percent off retail price for vision care services. More information regarding specific discounts and services is available at Anthem Vision Discounts.

For more information about HealthTrust’s medical coverage, contact us at 800.527.5001.

Prescription Drug Coverage

HealthTrust medical plans include prescription drug coverage provided in partnership with CVS Caremark® or Anthem CarelonRx. 

CVS Caremark

CVS Caremark provides HealthTrust enrollees and their covered family members with cost-effective prescription drug benefits for both short- and long-term medication needs, all in an easy-to-use format. With CVS Caremark, HealthTrust Enrollees and their covered family members are part of one of the largest, most comprehensive coverage networks.

• Included with HealthTrust medical plans
• Access to more than 64,000 network retail pharmacies nationwide
• CVS Caremark mail service for convenient, cost-saving prescription refills
• Enrollees have direct access to their CVS Caremark account through the HealthTrust secure portal.

Anthem CarelonRx - Lumenos Preferred Blue, Access Blue New England and Open Access HDHP Plans

The prescription coverage offered with HealthTrust's High Deductible Health Plans is provided by CarelonRx, an Anthem company. CarelonRx prescription coverage includes: 

- Coverage for both short-term and long-term medication needs.

- 24/7 access to the Pharmacy Member Services Team by calling 833.267.2133. 

- The option to fill prescriptions (up to a 90-day supply) by any of these methods: 

• At any network retail pharmacy. 
• By mail order through the CarelonRx Mail
• By the CarelonRx Specialty Pharmacy for individuals who take specialty medications.

Dental

HealthTrust partners with Northeast Delta Dental to offer a variety of dental coverage plans, which promote good oral health, preventive dental habits, and peace of mind about having access to often costly dental procedures.

Northeast Delta Dental

All of HealthTrust dental plans offer:

• Comprehensive coverage, including up to 100 percent coverage for preventive care.
• Direct billing convenience through our participating dental offices in New England; enrollees are not required to pay up front when visiting a participating dentist.
• Exceptional claims service.
• HOW (Health through Oral Wellness) – a program that provides coverage for additional preventive services when deemed necessary by dentist.

For more information about HealthTrust's dental coverage, contact us at 800.527.5001.

Dental Coverage Documents

The primary documents provided to Enrollees explaining benefits associated with dental plan coverage through HealthTrust include the Dental Plan Description and the Outline of Benefits.  

The Dental Plan Description explains the conditions of coverage and benefits under the dental plans employers offer through HealthTrust. Individuals covered under a HealthTrust dental plan should review this document carefully in order to understand how to get the maximum benefit of coverage provided under the plan.

The Outline of Benefits describes the specific benefits associated with the dental plans offered. An Outline of Benefits is provided to the Enrollee upon initial enrollment into the plan and upon plan updates.

These documents are available in the Secure Enrollee Portal (SEP) to individuals covered by a HealthTrust dental plan. Covered individuals may also obtain a paper copy of the documents by contacting HealthTrust Enrollee Services at 800.527.5001 or enrolleeservices@healthtrustnh.org.

Domestic Partner Riders are also available to Member Groups offering coverage for Domestic Partners. Individuals covered under the plan can contact their employers regarding which, if any, Domestic Partner Rider is offered, and find the applicable Rider (if their employer offers one) in the Secure Enrollee Portal.

Vision and Hearing Discount Program

Routine vision and hearing care is an important part of your overall health. That’s why HealthTrust partners with Northeast Delta Dental to offer a discount program on vision and hearing products and services to enrollees and retirees with HealthTrust dental coverage and their family members.

Vision Discounts

Eligible HealthTrust participants can enjoy reduced fees for eye exams, contact lenses, eyeglass frames and lenses, and more. The EyeMed Vision Care discount program offered through Northeast Delta Dental includes a schedule of benefits with varying discounts for specific vision care services. These discounts are available at thousands of eye care providers nationwide including private practicing optometrists, ophthalmologists, opticians and leading optical retailers such as Target Optical, LensCrafters and Pearle Vision. 

Hearing Discounts

Hearing loss affects 1 in 9 Americans but the good news is 95 percent of hearing loss can be treated with hearing aids. The Delta Hearing Care Program offered through Amplifon includes discounted, set pricing on thousands of hearing aids and 40 percent off hearing exams at convenient locations. 

For more information, click on the link to read the flyer: Delta Dental Vision and Hearing Discount Program

HealthTrust Benefit Advantage FSA and HRA Services

Benefit Advantage Member Group Login 

At HealthTrust, we are committed to providing quality, cost-effective coverage plans and programs to our Enrollees. Our Benefit Advantage Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs) can help our Enrollees meet their healthcare and dependent care costs while providing tax-saving benefits.  

What are FSAs and HRAs?

FSAs and HRAs are tax-favored arrangements for qualified expenses. 

• HRAs are employer-funded arrangements that reimburse employees for qualified medical expenses not covered by their employer-sponsored medical plan.
• FSAs are primarily employee-funded accounts in which money is deposited pre-tax to pay for qualified medical expenses and/or dependent care expenses throughout the plan year.  

HealthTrust Benefit Advantage accounts offer HealthTrust Enrollees:

• Affordability and savings. HRAs and FSAs can help Participants manage out-of-pocket costs. HRA reimbursements are 100% tax-free and are excluded from an employee’s gross income. Employees enrolled in an FSA can experience tax savings of 20-35 percent on their contributions (depending on their tax situation).
• Availability of funds. The money in both HRAs and Health FSAs is available to Participants on the first day of a new plan year. In addition, because there are three check runs per week, Participants receive reimbursements more quickly.
• Convenience. Participants can opt for direct deposit of reimbursements.  They can also use the HealthTrust Benefit Advantage mobile app and secure portal for all their account needs.

To learn more about HealthTrust Benefit Advantage, please contact us at 800.527.5001 or by email at benefitadvantage@healthtrustnh.org. 

Disability and Life

HealthTrust administers our short-term disability program directly and partners with National Insurance Services/Madison National Life Insurance Company to provide long-term disability and life coverage plans. These plans can offer valuable benefits to Enrollees at low costs to employers.

Disability

When serious illness or an accident strikes, financial considerations can extend well beyond medical coverage. Disability insurance provides valuable financial protection to help disabled Enrollees pay for day-to-day living expenses that medical insurance does not cover, such as mortgage, rent, utilities or groceries.

Without disability income protection, even a relatively short absence from work can be financially devastating. With comprehensive coverage that encourages and supports recovery, Enrollees covered under HealthTrust disability programs and their employers benefit from a positive focus on the employee's return to work and a productive lifestyle.

HealthTrust Short-Term Disability

HealthTrust's short-term disability program is administered directly by HealthTrust. It is managed by knowledgeable experts and designed to work seamlessly with HealthTrust's long-term disability program.

The short-term disability plan is designed for individuals who become disabled through illness or accident while away from work and provides benefits for a 13- or 26-week period.

For more information about HealthTrust's disability coverage, contact us at 800.527.5001.

Short-Term Disability Coverage Documents

The primary documents explaining benefits associated with short-term disability plan coverage through HealthTrust include the Short-Term Disability Plan Summary and the Schedule of Benefits.

Click here for the Short-Term Disability Plan Summary which describes the benefits, terms and conditions of the short-term disability plans offered through HealthTrust.

The Schedule of Benefits describes the specific benefits associated with an employer’s short-term disability program and is provided directly to covered Enrollees upon initial enrollment and upon plan updates. Enrollees and Member Groups currently participating in HealthTrust’s short-term disability coverage can request copies of the Schedule of Benefits by contacting HealthTrust Enrollee Services at 800.527.5001 or enrolleeservices@healthtrustnh.org.

Individuals covered under a HealthTrust short-term disability plan should carefully review these documents in order to understand how coverage is provided under the plan.

HealthTrust Long-Term Disability

HealthTrust’s long-term disability plan can pick up where short-term disability leaves off or can be offered on its own. Becoming disabled for longer than six months can have serious financial implications for any individual or family. While some individuals can tap into their savings to get by without working, few people can afford to stop working altogether for an extended period of time.

HealthTrust’s long-term disability plans are provided in partnership with National Insurance Services and Madison National Life Insurance Company.

For more information about HealthTrust’s disability coverage, contact us at 800.527.5001.

Short-Term Disability and Long-Term Disability Promotional Booklet

Life

HealthTrust's life coverage plans offer customizable benefits with comprehensive coverage. Life coverage is provided in partnership with National Insurance Services and Madison National Life Insurance Company. As with all HealthTrust benefit offerings, life coverage programs are provided with outstanding customer support and a commitment to service excellence.

For more information about HealthTrust life coverage call 800.527.5001.

HealthTrust Well-Being Programs

HealthTrust Well-Being Programs are designed to help our Enrollees, Retirees and their covered family members live the healthiest, most productive life possible, wherever they are on their well-being journey. To learn more about the programs that fall under the five categories listed below, click the link to be re-directed to the Well-Being Programs page. 

• Slice of Life Wellness Program
• Medical Care Access
• Expert Medical Support
• Disease Management
• Mental Health

HealthTrust Support Services

At HealthTrust, exceptional service isn’t the exception – it’s the rule. Here are just some of the services available to our Members, Enrollees and Retirees.

HealthTrust Secure Enrollee Portal (SEP)

Our Secure Enrollee Portal (SEP) is the one stop, go-to resource for information regarding your HealthTrust coverage, programs and resources. HealthTrust Enrollees and covered family members age 18 and older can each create a secure online account to access resources to get and stay healthy. We highly recommend that you create an SEP account. To create your SEP account, go to https://www.healthtrustnh.org/NewAccount.

Need help creating your SEP account? Click here to watch a video that will guide you through the set up of your Secure Enrollee Portal account.

For Enrollees and Retirees

• Worksite benefit education trainings
• Wellness workshops and webinars
• Retiree training and workshops
• Disability specialist services
• Retiree specialist services
• Transition Care – continued medical and/or dental coverage for up to a year for eligible family members if Enrollee dies while actively employed
• Survivor Care – continued medical and/or dental coverage as long as family members are eligible, if Enrollee dies while performing job duties 
• Call Center – calls answered by an experienced, knowledgeable person, not a computer-generated voice. Issues resolved the same day 93 percent of the time.

The HealthTrust Enrollee Services team is experienced in every facet of HealthTrust coverage for Enrollees, Retirees, and their covered family members. They are ready to answer your questions over the telephone, by email or in person from 8:30 a.m. to 4:30 p.m. Monday through Friday at 800.527.5001 or enrolleeservices@healthtrustnh.org.

For Member Groups

• Benefit education sessions
• Wellness trainings and workshops
• COBRA administration and billing services
• Retiree billing services
• Workshops and one-on-one trainings for Benefits Administrators
• Affordable Care Act trainings, workshops and support
• Consultations with knowledgeable advisors regarding benefit plan options, cost-containment strategies, and more

For more information about Member services provided by HealthTrust Wellness Advisors and Benefits Advisors, please call 800.527.5001.