The Helath Benefits Trust provides medical, dental, vision, short term disability, long term disability and life insurance to municipal employees and their dependants. The League's health trust was created to allow municipalities not large enough to self-insure individually like larger cities do the ability to collectively enjoy the benefits of being self-insured while avoiding the volatility that occurs if not done collectively.
Coverages include medical, dental, vision, short term disability, long term disability and life insurance.
Third party administrators under contract with the Health Benefits Trust provide underwriting, a provider network, pharmacy benefit management, claims and customer services. The NCLM Board of Directors appoints the 14 members of the RMS Board of Trustees. The Trustees establish policy, set rates and approve special services. In addition, the Board retains professional consultants in the fields of investment management, actuarial study and financial audit.
Health Insurance Plans
A wide array of plan design, with each including a comprehensive pharmacy benefit. For a look at our most popular plan design click here.
Three different plan options with or without orthodontic benefits.
Two plan options to choose from.
Group employee life, dependent coverage and supplemental employee coverages are offered.
Two disability plans are available.