Health Benefit Trust

The Montana Credit Union League Group Benefit Trust was formed in 2007 as a cooperative endeavor by the membership of Montana’s Credit Unions, the state credit union trade association. The Trust provides partially self-funded health insurance for medical, dental, vision, and the Healthy You! Wellness Program. Through LifeMap we offer an EAP, employer paid Group Life benefits such as Life, AD&D and Disability, and employee paid Voluntary Life products such as Life, Accident, Critical Illness, Dental and Vision. More information on the Trust and its products is available below. To receive a quote on insurance, please contact Dara Anderson.

Please direct all other questions to Mara Rayner.


If your credit union insurance is provided by the Trust, please bookmark this page. It will be an easy place for you to access all our great resources. Healthy You! will connect you to the online wellness portal. Navitus in our new pharmacy benefit manager. Contact them at Navitus Customer Care at 866.333.2757, 24 hours a day, 7 days a week for your Rx benefits. miHealth Manager will be your access point to your medical claims, network information, the wellness portal, and other key features. You will need your ID card to register for your account. Just click on the image below to access the benefit you need.

Search for providers on EBMS and First Choice Networks.

Search for providers for the VSP vision benefit.

Need help with our Claims Administrator? Check out the Employee Orientation for EBMS or click on miHealth Manager above.


The information available below is for the credit unions that are members of the Trust. Some of the information is password protected. If you need access, please submit a request following the links on the screen.


The 2017 health plans insurance Restated Plan Document and Summary Plan Description (SPDs) and  Summaries of Benefits and Coverage (SBCs) can be found below.  2017 Benefit and Language Revisions, and Additional Contract Language details will be coming soon.

If you have any questions, contact Mara Rayner (phone: 406-324-7455; email).


Click on the “Summary” link for the plan Summaries of Benefits and Coverage, or the “Plan Document” link for the Restated Plan Document and Summary Plan Description.


In September 2013, the Trust added employer paid group benefits- Life, AD&D, Short and Long Term Disablity Life, through a fully-insured arrangement with regionally-based LifeMap. In July 2014 the Trust added employee paid voluntary benefits which have grown to Life, Accident, Critical Illness, Dental and Vision.  Our experts are available to help you determine what is the best fit for your business. Contact Glen Flikkema at 406-282-7754 or email


Additional details will be coming soon


There are several disclosures required that need to be provided to businesses and their employees. Please feel free to download the disclosures to share with your staff or refer them to this page.


Want to Learn More?

800-745-5546, ext 139

Direct: 406-324-7455