Benefit Eligibility

An employee is eligible to enroll in benefits if the employee is normally scheduled to work 1,000 or more compensated hours per plan year, regardless of whether they are an exempt or non-exempt employee. However, employers are not required to cover the cost of these benefits unless the employee is scheduled to work 1,500 or more compensated hours per plan year.

2024 Benefit Updates:

Effective January 1, 2024, our dental plans are changing – If you are enrolled with Cigna Dental through the Medical Trust, that coverage will not be offered after December 31, 2023. To maintain your dental coverage through the Medical Trust, you must actively select a Delta Dental plan option for yourself and your dependents during Annual Enrollment for 2024.

Click here to learn more about the new plans and changes.

Effective January 1, 2024, member cost sharing (i.e., copayments, deductibles, and coinsurance) will apply based on service type and place of service for healthcare services related to the evaluation and testing for COVID-19.

In addition, effective January 1, 2024, member cost sharing (i.e., copayments, deductibles, and coinsurance) will apply based on
service type and place of service for healthcare services relating to the treatment of COVID-19

COVID-19 Over-the-Counter (OTC) Home Test Kits

  • Effective January 1, 2024, eligible individuals and their dependents who are enrolled in Anthem and Cigna PPO medical plans and Kaiser EPO medical plans through the Medical Trust may receive up to four COVID-19 OTC home test kits per month without cost share (i.e. , copayment, deductible, and coinsurance)
  • Eligible individuals and their dependents who are enrolled in Anthem, Cigna, and Kaiser Consumer-Directed Health Plans (CDHPs) may receive up to four COVID-19 OTC home test kits per month with no coinsurance after they meet their annual network deductible

Although the Medical Trust is no longer required by law to provide OTC home test kits at no cost, they will still allow members to receive up to four test kits per member per month as described above until further notice.

Telehealth platforms for Active Members¹– You can access a medical professional through telehealth platforms offered by Anthem, Cigna, or Kaiser using your computer or mobile device. You will need high-speed internet access, a webcam or built-in camera, and audio capability. Please remember your personal healthcare provider may not participate on the vendor’s telehealth platform. For Anthem, Cigna, and Kaiser members, all services received via vendor telehealth platforms are available to you with no deductible, copayment, or coinsurance through December 31, 2024.

  • Anthem Blue Cross Blue Shield – Access LiveHealthOnline.com or download the LiveHealth Online mobile app in the App Store ® or Google Play™
  • Cigna – Access MDLiveforCigna.com on your computer or download the MDLIVE mobile app by searching in the App Store ® or Google Play™
  • Kaiser Permanente – Access Kaiser’s telehealth platform services by calling the number on the back of your member ID card

¹Please note, telehealth can help with minor, non-life-threatening conditions. During a medical emergency, individuals should visit the nearest hospital or call 911 for assistance.

Effective January 1, 2024, the Medical Trust’s Anthem and Cigna CDHP-15 network deductible for self-only coverage will be $1,600, and the network deductible for family coverage will be $3,200. The out-of-network deductible for self-only coverage will be $3,200, and the out-of-network deductible for family coverage will be $6,400.

Effective January 1, 2024, the Medical Trust’s Anthem, Cigna, and Kaiser CDHP-20 network deductible for self-only coverage will be $3,200, and the network deductible for family coverage will remain $5,450 The out- of-network deductible for self-only coverage will be $3,200, and the out- of-network deductible for family coverage will remain $6,000.