The Health Benefits Trust is a self-insured, member-governed insurance company that is 100% committed to providing the insurance coverage options that our member cities and towns need.
We know how complex and confusing group health insurance – and voluntary benefits – can be. So we’re here to listen to what you need, answer your questions and help you understand the coverage options available and how they can be customized to best fit your city or town’s budget and needs.
With more than 20 standard benefit designs and pharmacy benefits, we help you identify the best option for your needs and your employees’ wants. We allow groups of all sizes to provide multi-level coverage options to employees – just one example of why the Health Benefits Trust is unique.
Health Benefits Trust 2021 explainer video
Choose from three different plan options with or without orthodontic benefits.
Dental I with Ortho | Dental I without Ortho
Dental II with Ortho | Dental II without Ortho
Dental III with Ortho | Dental III without Ortho
We provide three plan options to choose from: Vision Basic, Vision Premier and Vision Premier Plus.
VSP Premier Plus
We provide group employee life insurance, accidental death and dismemberment, dependent coverage and supplemental employee coverages.
We offer both short- and long-term disability plans.
Through our Preferred Partner, Municipal Benefits Inc., HBToffers voluntary benefit plans like accident, cancer, critical illness, hospital indemnity, life insurance and long-term care. Voluntary benefits are paid entirely by the employee with no employer contribution.
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HBT Contacts | 2022-2023