Health Insurance

VT-Towns-Image

The VLCT Health Trust works with major carriers to provide competitive health insurance for municipal employees. For 2012, our new Carrier Choice program allows members with fewer than 50 employees to choose their carrier and plan(s) from those available in the overall Vermont health insurance marketplace and to make use of many additional resources — such as Health Advocate and wellness programs— for no additional charge. 

If your municipality is not currently in the VLCT Health Trust, click here for information tailored to you.

Plan enrollment kits for 2012 are now posted under Resources - Carrier Choice.
Each kit includes 2012 rates, a checklist of required materials, and forms to fill in. In general, each group needs to submit: a group enrollment agreement, a list of all empoyees, an enrollment form from each employee to be covered, a waiver of coverage form from each employee who is declining coverage, and a formal statement of domestic partnership for each employee with a non-married spouse to be covered. Blue Cross/Blue Shield also requires that you enclose payment of your group's first month's premium. IMPORTANT NOTE: All groups MUST compile all completed health plan enrollment materials in a single packet and MAIL them to VLCT Health Trust, Inc., 89 Main Street, Suite 4, Montpelier, VT 05602 no later than December 1st in order for the new accounts to be set up. After the setup process is complete, you will communicate directly with your carrier, or with VACE if using a VACE plan, to update subscriber information and pay premiums.

Consider making the most of a high deductible health insurance plan by combining it with an HRA or an FSA. VLCT Health Trust members can take advantage of group pricing on Cafeteria and Section 125 funding plans from Choice Strategies. Please visit the Health Trust's Cafeteria Plans page for more information and links to applications.

If you have any questions about the plans, please contact your Member Relations representative at 1-800-649-7915 or e-mail Larry Smith, Manager, Member Relations. Please direct questions about the enrollment process to Kelley Avery, Benefit Program Administrator. We all look forward to helping you develop a comprehensive benefit program for your employees.

Resources - 2012 Plan Enrollment Materials

  • FAQs and other useful information about 2012 Carrier Choice plans
    An informal comparison of carriers and plans developed to accompany discussion with your Member Relations representative.
  • Enrollment Kit: Blue Cross/Blue Shield of Vermont - direct
    2012 rates, forms, and instructions for enrolling with Blue Cross/Blue Shield's The Vermont Health Plan (TVHP). Complete and MAIL all enrollment paperwork — including the original BCBS forms and your check made out to BCBS of VT for the first month's premium — to VLCT Health Trust, Inc., 89 Main Street, Suite 4, Montpelier, VT 05602 before December 1, 2011.
  • Enrollment Kit: Blue Cross/Blue Shield of Vermont - AIVIS
    2012 rates, forms, and instructions for enrolling with Blue Cross/Blue Shield through current membership in the Associated Industries of Vermont (AIV) Insurance Services. Complete and MAIL all plan enrollment paperwork — including the original BCBS forms and your check made out to BCBS of VT for the first month's premium — to VLCT Health Trust, Inc., 89 Main Street, Suite 4, Montpelier, VT 05602 before December 1, 2011.
    The VLCT Health Trust will establish your membership in AIV.
  • Enrollment Kit: Blue Cross/Blue Shield of Vermont - VACE
    2012 rates, forms, and instructions for enrolling with Blue Cross/Blue Shield through current membership in a chamber of commerce that is a member of the Vermont Association of Chamber of Commerce Executives (VACE). Complete and MAIL all plan enrollment paperwork — including the original BCBS forms and your check made out to VACE for the first month's premium — to VLCT Health Trust, Inc., 89 Main Street, Suite 4, Montpelier, VT 05602 before December 1, 2011.
    For a list of the local chambers that are in VACE, click here. To join the Vermont Chamber of Commerce, contact June Dobbins at 802-229-3443 or jdobbins@vtchamber.com.
  • Enrollment Kit: MVP
    2012 rates, forms, and instructions for enrolling in an MVP health insurance plan. Complete and MAIL all enrollment paperwork — including originals of the MVP forms — to VLCT Health Trust, Inc., 89 Main Street, Suite 4, Montpelier, VT 05602 before December 1, 2011.
  • Application for an HRA or FSA to be used with Blue Cross/Blue Shield plans
    Writeable PDF form for a Health Reimbursement Arrangement or Flexible Spending Account with Choice Strategies.
  • Application for an HRA or FSA to be used with MVP plans
    Writeable PDF form for a Health Reimbursement Arrangement or Flexible Spending Account with Choice Strategies.
  • Broker of Record template for current Health Trust members
    Declaring the VLCT Health Trust's partner, Hickock Boardman Group Benefits, as your chosen health insurance broker is the first step in pursuing Carrier Choice, and doing so is not a commitment to buy. Current Health Trust members can print this PDF file on their municipal letterhead, sign it, and return it to VLCT Member Relations.

Resources - 2012 Plan Information

  • BCBS - Direct (TVHP) Plans Brochure (off-site link)
    13-page brochure with descriptions of coverage. Pages 7-13 are single-page summaries of each plan type, and links at the top of each of these pages provide details for each plan.
  • BCBS - AIVIS Plans Brochure (off-site link)
    18-page brochure with descriptions of coverage. Pages 10-17 are single-page summaries of each plan type, and links at the top of each of these pages provide details for each plan.
  • BCBS - BRS Plans Brochure (off-site link)
    16-page brochure with descriptions of coverage. Pages 8-15 are single-page summaries of each plan type, and links at the top of each of these pages provide details for each plan.
  • MVP Vermont Plan Options (off-site link)
    Summary of all plans that MVP offers in Vermont.

Resources - VLCT 2011

Resources - CIGNA 2011

  • VLCT Summary Plan Descriptions
    Click the link above to view Summary Plan Descriptions for all VLCT Health Trust sponsored CIGNA Health Care plans.
  • CIGNA (off-site link)
    The general CIGNA Website. Includes a Provider Directory for looking up in-network doctors and facilities by zip code.
  • MyCIGNA.com (off-site link)
    Conveniently view the status of your claims and deductibles. You may also search for health information and take a personal health risk assessment.
  • CIGNA Enrollment/Change Form
    Please return this form to the address or fax number indicated on the bottom of the form. For further information, contact your VLCT Member Relations Representative at 1-800-649-7915.
  • Preventive Health Coverage Quick Reference Guide
    Convenient tables that list the specific exams, immunizations, and screenings that are covered 100% by all VLCT Health Trust plans.
  • Preventive Drug List
    The list of drugs prescribed to prevent the occurrence of a disease or condition for people with risk factors or to prevent the recurrence of a condition or disease. The listed drugs are covered by VLCT Prescription plans.
  • 2010 CIGNA Prescription Drug List
    Explanation of the three-tier nature of VLCT's Prescription plans. Includes lists of the medications in each tier.
  • List of Prescription Drugs Requiring Prior Authorization, 4/08
    CIGNA Healthcare's prior authorization drug list.
  • CareCentrix Overview
    CareCentrix is CIGNA's partner for home health benefits including durable medical equipment (DME), skilled nursing services, and more.
  • Audio Library Catalog
    List of topics and codes for CIGNA's 24-Hour Health Informati on Line's Audio Library.