As Washington’s source for employee benefits, Business Health Trust (BHT) helps Washington’s business community thrive by providing the high-quality, affordable employee benefits growing companies need to be competitive.


PLAN SUMMARIES
& BOOKLETS

This page contains the Summary of Benefits and Coverage (SBC), Summary Plan Description (SPD), and booklets for all plans offered by the various Industry Trusts through Business Health Trust.

If you have any questions, please contact the Trust Program Managers:

Nathan Edmondson at 206-602-3558 or 
Nathan.Edmondson@advprofessionals.com

Paul Baker at 206-899-1895 or Paul.Baker@advprofessionals.com

  • These documents are provided to assist employers in fulfilling their obligations to provide employees with SBC's within the time frame and circumstances required by the Affordable Care Act.

  • The SBC is a standardized description of the benefits and coverage available under the group health plan. SBC's and Glossary of Health Coverage and Medical Terms must be provided to all participants and beneficiaries on or after September 23, 2013.

 

> Click Here for 2020 Documents

 

 

  2021 Summary Plan Description (SPD):
  - applicable to both Premera and Kaiser

  Industry Health Trusts


  Aerospace
  Agriculture
  Business Services
  Community Service Org.
  Construction
  Healthcare
  Information Technology
  Manufacturing
  Media
  Retail
  Tourism
  Transportation
  Wholesaling

Premera Blue Cross Medical Plans

2021 Plan Year: January 1, 2021 - December 31, 2021
8 Industry Health Trusts: Agriculture, Business Services, Community Service Org., Construction, End-Line Manufacturing, Information Technology, Retail, and Wholesaling


 

2021-2022 Plan Year: July 1, 2021 - June 30, 2022
5 Industry Health Trusts: Aerospace, Healthcare, Media, Tourism and Transportation



  • Click here to access the medical plan booklets (under construction)

 

Side by Side Comparison and Dual Choice Matrix

  2021 Premera Blue Cross Side by Side Comparison – Sterling
  2021 Premera Blue Cross Side by Side Comparison – Titanium and HSA
  2021 Premera Blue Cross Dual Choice Matrix

 

Sterling Plans SBC's Benefit Highlights
Premera Sterling $250 SBC Heritage Heritage Prime
Premera Sterling $500 SBC Heritage Heritage Prime
Premera Sterling $750 SBC Heritage Heritage Prime
Premera Sterling $1000 SBC Heritage Heritage Prime
Premera Sterling $1500 SBC Heritage Heritage Prime
Premera Sterling $2000 SBC Heritage Heritage Prime
Premera Sterling $2500 SBC Heritage Heritage Prime
Premera Sterling $3000 SBC Heritage Heritage Prime
Premera Sterling $4000 SBC Heritage Heritage Prime
Premera Sterling $5000 SBC Heritage Heritage Prime

 

Titanium Plans SBC's Benefit Highlights
Premera Titanium $200 SBC  Heritage Heritage Prime
Premera Titanium $350 SBC  Heritage Heritage Prime
Premera Titanium $500 SBC  Heritage Heritage Prime

 

HSA Plans SBC's Benefit Highlights
Premera HSA $1500 SBC Heritage Heritage Prime
Premera HSA $2500 SBC Heritage Heritage Prime
Premera HSA $3500 SBC Heritage Heritage Prime
Premera HSA $5000 SBC Heritage Heritage Prime

 



  • Click here to access the medical plan booklets (under construction)

 

Side by Side Comparison and Dual Choice Matrix

  2021 July Premera Blue Cross Side by Side Comparison – Sterling
  2021 July Premera Blue Cross Side by Side Comparison – Titanium and HSA
  2021 July Premera Blue Cross Dual Choice Matrix

 

Sterling Plans SBC's Benefit Highlights
Premera Sterling $250 SBC Heritage Heritage Prime
Premera Sterling $500 SBC Heritage Heritage Prime
Premera Sterling $750 SBC Heritage Heritage Prime
Premera Sterling $1000 SBC Heritage Heritage Prime
Premera Sterling $1500 SBC Heritage Heritage Prime
Premera Sterling $2000 SBC Heritage Heritage Prime
Premera Sterling $2500 SBC Heritage Heritage Prime
Premera Sterling $3000 SBC Heritage Heritage Prime
Premera Sterling $4000 SBC Heritage Heritage Prime
Premera Sterling $5000 SBC Heritage Heritage Prime

 

Titanium Plans SBC's Benefit Highlights
Premera Titanium $200 SBC  Heritage Heritage Prime
Premera Titanium $350 SBC  Heritage Heritage Prime
Premera Titanium $500 SBC  Heritage Heritage Prime

 

HSA Plans SBC's Benefit Highlights
Premera HSA $1500 SBC Heritage Heritage Prime
Premera HSA $2500 SBC Heritage Heritage Prime
Premera HSA $3500 SBC Heritage Heritage Prime
Premera HSA $5000 SBC Heritage Heritage Prime

 


Kaiser Permanente Medical Plans (AHP)

2021 Plan Year: January 1, 2021 - December 31, 2021
5 Industry Health Trusts: Aerospace, Healthcare, Media, Tourism, and Transportation


 

2021-2022 Plan Year: July 1, 2021 - June 30, 2022
6 Industry Health Trusts: Agriculture, Business Services, Community Services Org., Information Technology, Retail, and Wholesaling

 

Side by Side Comparison and Dual Choice Matrix

(Download) 2021-2022 KP AHP Side by Side Comparison
(Download) 2021 KP AHP Multi Plan Matrix


  Aerospace Healthcare Media Tourism Transportation
  SBC Benefit
Highlight
SBC Benefit
Highlight
SBC Benefit
Highlight
SBC Benefit
Highlight
SBC Benefit
Highlight
$200 HMO Click Click Click Click Click Click Click Click Click Click
$500 HMO Click Click Click Click Click Click Click Click Click Click
$750 HMO Click Click Click Click Click Click Click Click Click Click
$1,000 HMO Click Click Click Click Click Click Click Click Click Click
$2,000 HMO Click Click Click Click Click Click Click Click Click Click
$3,000 HMO Click Click Click Click Click Click Click Click Click Click
$5,000 HMO Click Click Click Click Click Click Click Click Click Click
$2,500 HMO HSA Click Click Click Click Click Click Click Click Click Click
$4,500 HMO HSA Click Click Click Click Click Click Click Click Click Click
$500 HMO Virtual Plus Click Click Click Click Click Click Click Click Click Click
$1,000 HMO Virtual Plus Click Click Click Click Click Click Click Click Click Click
$3,000 HMO Virtual Plus Click Click Click Click Click Click Click Click Click Click
$5,000 HMO Virtual Plus Click Click Click Click Click Click Click Click Click Click
$200 PPO Click Click Click Click Click Click Click Click Click Click
$500 PPO Click Click Click Click Click Click Click Click Click Click
$750 PPO Click Click Click Click Click Click Click Click Click Click
$1,000 PPO Click Click Click Click Click Click Click Click Click Click
$2,000 PPO Click Click Click Click Click Click Click Click Click Click
$3,000 PPO Click Click Click Click Click Click Click Click Click Click
$5,000 PPO Click Click Click Click Click Click Click Click Click Click
$2,500 PPO HSA Click Click Click Click Click Click Click Click Click Click
$4,500 PPO HSA Click Click Click Click Click Click Click Click Click Click

 

Side by Side Comparison and Dual Choice Matrix

(Download) 2021-2022 KP AHP Side by Side Comparison
(Download) 2021 KP AHP Multi Plan Matrix


  Agriculture Business
Services
Community
Services
Information
Technology
Retail Wholesaling
  SBC Benefit
Highlight
SBC Benefit
Highlight
SBC Benefit
Highlight
SBC Benefit
Highlight
SBC Benefit
Highlight
SBC Benefit
Highlight 
$200 HMO Click Click Click Click Click Click Click Click Click Click Click Click
$500 HMO Click Click Click Click Click Click Click Click Click Click Click Click
$750 HMO Click Click Click Click Click Click Click Click Click Click Click Click
$1,000 HMO Click Click Click Click Click Click Click Click Click Click Click Click
$2,000 HMO Click Click Click Click Click Click Click Click Click Click Click Click
$3,000 HMO Click Click Click Click Click Click Click Click Click Click Click Click
$5,000 HMO Click Click Click Click Click Click Click Click Click Click Click Click
$2,500 HMO HSA Click Click Click Click Click Click Click Click Click Click Click Click
$4,500 HMO HSA Click Click Click Click Click Click Click Click Click Click Click Click
$200 PPO Click Click Click Click Click Click Click Click Click Click Click Click
$500 PPO Click Click Click Click Click Click Click Click Click Click Click Click
$750 PPO Click Click Click Click Click Click Click Click Click Click Click Click
$1,000 PPO Click Click Click Click Click Click Click Click Click Click Click Click
$2,000 PPO Click Click Click Click Click Click Click Click Click Click Click Click
$3,000 PPO Click Click Click Click Click Click Click Click Click Click Click Click
$5,000 PPO Click Click Click Click Click Click Click Click Click Click Click Click
$2,500 PPO HSA Click Click Click Click Click Click Click Click Click Click Click Click
$4,500 PPO HSA Click Click Click Click Click Click Click Click Click Click Click Click


Kaiser Permanente Medical Plans (Small Group/Community Rated)

2021 Plan Year: January 1, 2021 - December 31, 2021

(BHT Small Group / Community Rated)

2021 Plan Year: January 1, 2021 - December 31, 2021

Kaiser Permanente Side by Side Comparison

 

Kaiser Permanente Medical Plans

  Access PPO Bronze HSA  SBC Summary Booklet
  Access PPO Silver HSA SBC Summary Booklet
  Access PPO VisitsPlus Gold HD LX SBC Summary Booklet
  Access PPO VisitsPlus Gold LX SBC Summary Booklet
  Access PPO VisitsPlus Platinum HD LX SBC Summary Booklet
  Access PPO VisitsPlus Platinum LX SBC Summary Booklet
  Access PPO VisitsPlus Silver LD LX SBC Summary Booklet
  Access PPO VisitsPlus Silver LX SBC Summary Booklet
  Access PPO VisitsPlus Silver LX - EO SBC Summary Booklet
  Connect Virtual Plus Gold SBC Summary Booklet
  Connect Virtual Plus Silver SBC Summary Booklet
  Core Bronze HSA SBC Summary Booklet
  Core Silver SBC Summary Booklet
  Core Silver HSA SBC Summary Booklet
  Core VisitsPlus Gold HD LX SBC Summary Booklet
  Core VisitsPlus Gold LX SBC Summary Booklet
  Core VisitsPlus Gold LX - EO SBC Summary Booklet
  Core VisitsPlus Platinum LX SBC Summary Booklet
  Core VisitsPlus Silver LX SBC Summary Booklet
  Core VisitsPlus Silver LX - EO SBC Summary Booklet
  Elect PPO VisitsPlus Gold LX SBC Summary Booklet
  Elect PPO VisitsPlus Platinum LX SBC Summary Booklet
  Elect PPO VisitsPlus Silver LX SBC Summary Booklet

EO = employee only
HD = High Deductible
LX = Lab & X-ray

*SBC = Summaries of Benefits and Coverage

 


Non-Medical Plans

2021 Plan Year: January 1, 2021 - December 31, 2021


2021 Plan Year: January 1, 2021 - December 31, 2021

 

Dental Plans Summaries Booklets
  Delta Dental Side by Side Comparison Download
  Delta Dental Plan 1 Download Download
  Delta Dental Plan 2 Download Download
  Delta Dental Plan 3 Download Download
  Delta Dental Plan 4 Download Download
  Delta Dental Plan 5 Download Download
  Delta Dental Plan 6 Download Download
  Delta Dental Plan 7 Download Download
  Delta Dental Ortho Option - Child(ren) Download Download
  Delta Dental Ortho Option - Family Download Download

 

 


2021 Plan Year: January 1, 2021 - December 31, 2021

 

LifeMap Basic Life and AD&D Plans Summary Booklet
  Basic Life and AD&D Insurance Plan A: $15,000 Download Download
  Basic Life and AD&D Insurance Plan B: $50,000 Download Download
  Basic Life and AD&D Insurance Plan C: 1x Salary up to $100,000 Download Download
  Basic Life and AD&D Insurance Plan D: 2x Salary up to $200,000 Download Download
LifeMap Voluntary Life Plans Summary  
  Voluntary Life (for Employers with 5 or More Employees) Download  
If Voluntary Life is Elected   Booklet
  Basic Life and AD&D Insurance Plan A: $15,000   Download
  Basic Life and AD&D Insurance Plan B: $50,000   Download
  Basic Life and AD&D Insurance Plan C: 1x Salary up to $100,000   Download
  Basic Life and AD&D Insurance Plan D: 2x Salary up to $200,000   Download
Long Term Disability Plans Summary Booklet
  LTD Insurance Plan A: 90 Days - 60% - $3,000 Download Download
  LTD Insurance Plan B: 180 Days - 60% - $3,000 Download Download
  LTD Insurance Plan C: 90 Days - 60% - $6,000 Download Download
  LTD Insurance Plan D: 180 Days - 60% - $6,000 Download Download

 


2021 Plan Year: January 1, 2021 - December 31, 2021

 

Vision Plans Summaries Booklets
  VSP Side by Side Comparison Download
  VSP Choice Plan A Download Download
  VSP Choice Plan B Download Download
  VSP Choice Plan C Download Download

 


2021 Plan Year: January 1, 2021 - December 31, 2021

 

  Wellspring EAP Benefit Flyer - 3 Visits Download
  Wellspring EAP Benefit Flyer - 6 Visits Download
  AIG Personal Accident Insurance Summary Download

 

 

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