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 MetLife we offer 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, Vision, and a legal plan. 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.


Open Enrollment Runs December 4 through December 15

This is your once‐a‐year chance to enroll in or waive benefits for 2018 without experiencing a qualified life event (marriage/divorce, birth/adoption, job loss, etc.). We have some great enhancements to Open Enrollment this year:

  • New benefits from MetLife
  • New enrollment system — online and by phone.

Enroll by Phone with Benefit Coach:  Have an expert walk you through the enrollment process and answer all your questions. Set up an appointment beginning November 20 or call 855-277-8628.

Enroll Online:  Stay tuned. Online enrollment instructions coming Monday, December 4.

Not sure which to choose? Our Open Enrollment Flyer has more information that can help you decide.

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.

2018 health plan updates coming soon
(The primary changes to expect are minor language adjustments and the deductibles for the Agate and Emerald plan will increase by $100 for individuals and $200 for families.)

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.

Additional Resources for 2018

MetLife Options

Our MetLife Elite Employee Benefits Package includes the following options: Dental, Vision, Accident, Critical Illness, Voluntary Life, Group Basic Life/AD&D, Group Short Term Disability, and Group Long Term Disability.

If you’re interested in further details, contact Mara Rayner (phone: 406-324-7455; email).


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