Montana Credit Union League Group Benefits Trust

The Trust was formed in 2007 as a cooperative endeavor by the membership of the Montana Credit Union Network. The Trust provides health insurance for medical, dental, and vision, an EAP, and the Healthy You! Wellness Program. The Trust is governed by a seven member board elected by the users to serve three-year terms. The Trust is staffed by employees of the Montana Credit Union Network: Tabitha Garvin serves as the Executive Director and Renee Lyman provides administrative assistance. In 2012, the Trust received authorization from the Montana Commissioner of Securities and Insurance as a partially self-funded organization (MEWA). To receive a quote on insurance, information on the Healthy You! Wellness Program or on the Trust, please contact Tabitha Garvin.

Health Care Reform Updates

So much will be happening in the coming months with the Montana Health Insurance Marketplace (Exchange). We want to be a trusted resource for you. In May, we provided two webinars. The links to the recordings and accompanying handouts are below. Pick the webinar that is the best fit for your employee size.

Fewer than 50 Employees -- Health Care Reform and the Montana Exchange: What You Need to Know --  Handouts

More than 50 Employees -- Health Care Reform and the Montana Exchange: What You Need to Know -- Handouts

Benefit Plans for 2013

The benefits plans are administrated by BlueCross BlueShield of Montana. The Trust is the insurance carrier and BCBS pays the claims. The benefit plans are only available to members of the Montana Credit Union Network. Contact Dara Anderson for questions regarding benefits or to receive a quote. The Summary Benefits and Coverage below are secure documents and are only available to members of the Trust.

• Security 75/25 Summary or Plan Details
• Health First 500 Summary or Plan Details
• Health First 2500 Summary or Plan Details
• Big Sky Select Summary or Plan Details
• High Deductible Health Plan with HSA 2500 Summary or Plan Details
• High Deductible Health Plan with HSA 3200 Summary or Plan Details
• Dental - add on Plan Details
• Vision - add on Plan Details

Healthy You! Wellness Program

Healthy You! is available to all members of the Montana Credit Union Network and their employees. Purchasing insurance is not required. Currently 24 credit union organizations are participating in the program. Program incentives are only available to credit unions using the insurance. Access the Healthy You! website

• Winner of 2012 CUNA HR/TD Award of Excellence for Employee Engagement
• Winner of 2012 Bronze Excellence in Worksite Wellness by State of Montana

MCUL Group Benefit Trust Structure

The Trust involves many entities to ensure that the best expertise and oversight is provided.

• Trustee Board: Seven individuals elected from the users to serve three-year terms. Current Trustees
• Management: Tabitha Garvin, COO of Business Development for LSG serves as Executive Director
• Sales & Consulting: Mountain West Benefits
• Billing Administrator: JCCS
• Claims Administrator: BlueCross BlueShield of Montana
• Stop-Loss Insurance Carrier: SunLife
• Case Management: Coordinated Care Partners