Contractors Health Trust Partners and Cost Savings Features
Medical insurance is provided through Anthem’s PPO network and national BCBS provider network. This is a tremendous benefit to both the employer and employee. Anthem’s network includes 95% of Colorado providers and 100% of Colorado’s hospitals. As a result, chances are excellent that you may be able to maintain your existing provider relationship. This allows for greater In-Network usage of the insurance, generally your Out-Of-Pocket cost are lower when using In-Network providers. Employees also have access to the national BCBS Blue Card network (considered In-Network) while traveling outside Colorado. Anthem has numerous programs for employers and employees including: MyHealth Advantage, 24/7 Nurseline, Find a Doctor, and Anthem Care Compare.
Prescription drug insurance is offered through our partner, Express Scripts, (ESI), one of the largest prescription drug benefit managers in the country. Express Scripts has over 77% of Colorado’s pharmacies and a national network of over 10,000 participating pharmacies. ESI offers the convenience of home delivery as well.
Employee Assistance Program (EAP) – CHT provides a confidential Employee Assistance Program through Mines and Associates, a nationally know business psychology firm located in Colorado. Mines’ network includes over 1800 providers. Mines has been providing behavioral health care for more than twenty five years with a 95% satisfaction rate with both employers and employees.
Transplant Services – The fully insured transplant coverage is insured by United Health Care. The coverage covers organ and bone marrow transplant procedures with a lifetime maximum benefit of $2,000,000.
Optional Delta Dental – This optional benefit is provided by Delta Dental which is Colorado’s largest dental service provider, with 90% of Colorado’s providers included. Delta’s national PPO network includes over 137,000 providers. Covered benefits include preventative, basic, orthodontic, and some major dental services.
Optional Vision – This optional benefit is provided by VSP. The plan provides for standard vision examinations and eyewear materials.
Life and Accidental Death & Dismemberment Insurance is underwritten by United Life Insurance.