Benefits of Joining HealthTrust

As New Hampshire's largest public sector risk pool, we leverage our size to negotiate better rates, lower fees, and more robust, innovative coverages. Additional benefits of joining HealthTrust include:

• Combined Resources: Public sector employers in New Hampshire join HealthTrust to participate in our risk pool, allowing them to obtain reliable coverage at an affordable cost for the benefit of both their employees and taxpayers. Healthy Member Groups balance out those who may have higher healthcare costs, reducing 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.
   
• Preventive Care Promotion: We focus on well-being programs and preventive care initiatives. HealthTrust believes 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, 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

HealthTrust's goal is to provide more than competitive rates and comprehensive coverage options. We are committed to adding value, exceptional service, and expertise to a 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, reflected in our rates, on hospitals and medical providers
• Access to an extensive network of providers
• A microsite of behavioral and mental health programs included in your health plan benefits
• 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

HealthTrust Enrollees have 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. 

Vision Discount Program

Routine eye care is an important part of your overall health. 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% off retail price for vision care services. 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

HealthTrust dental plans offer:

• Comprehensive coverage, including up to 100% 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 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. 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. Read the flyer: Delta Dental Vision and Hearing Discount Program

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 7 Americans but 95 percent of hearing loss, particularly sensorineural types caused by aging or noise exposure, can benefit from or be treated with hearing aids. The Delta Hearing Care Program offered through Amplifon includes discounted, set pricing on thousands of hearing aids and 40% off hearing exams at convenient locations.

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

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

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. 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. Read more: Short-Term Disability and Long-Term Disability Promotional Booklet

HealthTrust Short-Term Disability

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

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.

The Short-Term Disability Plan Summary 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 to understand how coverage is provided under the plan.

HealthTrust Long-Term Disability

HealthTrust’s long-term disability plans, provided in partnership with National Insurance Services and Madison National Life Insurance Company, can pick up where short-term disability leaves off or it 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.

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.

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. Programs are grouped under these five categories:

• 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 about 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 recommend you create an SEP account to access your coverage documents and IDs, well-being benefits, and educational resources. 

Need help creating your SEP account? Watch a video to guide you through the set up of your account. 

For Enrollees and Retirees

The HealthTrust Enrollee Services team is experienced in every aspect 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. Calls are answered by an experienced, knowledgeable person, ready to assist you with:

• Worksite benefit education trainings
• Wellness workshops and webinars
• Retiree training and workshops
• Disability specialist services
• Retiree specialist services
• Transition Care and Survivor Care coverage, if eligible
• Claims advocacy, benefits options, and well-being resources

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 and cost-containment strategies

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

Retiree Education Center

Retirement isn’t one-size-fits-all. Everyone’s situation is unique with different needs. HealthTrust is here to help you navigate the process.

The Retiree Education Center offers advice and resources for individuals at different stages of their life, such as Retiring and Under 65, Early Retiree Turning 65, and Retiring and Over 65. If you’re starting your retirement journey, visit our Retiree Education Center to help you and your family along the path to retirement.

HealthTrust Member Groups and Covered Individuals can access the Retirement Education Center on their secure portals, where information is more specific to HealthTrust coverage and questions can be sent directly to benefits advisors or enrollee services.