Medical Plan Documents : Montana Credit Union

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.

To receive a quote on insurance, contact Dara Anderson. Please direct all other questions to Mara Rayner.

2023 Health Plans

The Health Benefits Trust offers six different health plans along with a dental and vision plan. If you’re not certain which plan you’re covered under, check with your credit union.

The links to the 2023 Summaries of Benefits and Coverage and the Plan Documents for each of our plans will be COMING SOON. In the meantime — if you have any questions, email Mara Rayner or call her at 406-324-7455.

CU Diamond Summary /Plan Document
CU Sapphire Summary/Plan Document
CU Ruby Summary /Plan Document
CU Emerald Summary/Plan Document
CU Agate Summary/Plan Document
CU Garnet Summary/Plan Document
CU Dental Plan Document
CU Vision Plan Document

2023 Notices and Disclosures

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.

MetLife Options

2022 Health Plan Documents

The Health Benefits Trust offers six different health plans along with a dental and vision plan. If you’re not certain which plan you’re covered under, check with your credit union. Click on the “Summary” link for the plan Summaries of Benefits and Coverage and the “Plan Document” link for the Plan Document.

If you have any questions, email Mara Rayner or call her at 406-324-7455.

CU Diamond Summary /Plan Document
CU Sapphire Summary/Plan Document
CU Ruby Summary /Plan Document
CU Emerald Summary/Plan Document
CU Agate Summary/Plan Document
CU Garnet Summary/Plan Document
CU Dental Plan Document
CU Vision Plan Document

Want to Learn More?

Mara Rayner Director of Human Resource Benefits mara@mcun.coop

800-745-5546, ext 139

Direct: 406-324-7455

Transparency in Coverage

Federal legislation requires groups like ours to provide access to machine-readable files that include detailed pricing information for facilities and providers as well as detail negotiated rates, historical payments, and prescription costs. This data is intended to provide opportunities for detailed research studies and data analysis plus giving third-party developers and innovators the ability to create solutions to help drive additional price comparison and consumerism in the healthcare market.

Our claims administrator, EBMS alongside our PPO network, First Choice Health Network, is working to provide this information. The link below shares these details.

In & Out of Network Rates

This information is updated on a monthly basis.