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.
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PLAN SUMMARIES |
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 BHT Sales:Nathan Edmondson at 206.602.3558 or Nathan.Edmondson@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.
| 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
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
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
*[Download] Nondiscrimination Notice and Taglines (applicable to all Industry Health Trusts)
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
Side by Side Comparison and Dual Choice Matrix
(Download) 2021-2022 KP AHP Side by Side Comparison(Download) 2021 KP AHP Multi Plan Matrix
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 (EOC) |
| Access PPO Silver HSA | SBC | Summary | Booklet (EOC) |
| Access PPO VisitsPlus Gold HD LX | SBC | Summary | Booklet (EOC) |
| Access PPO VisitsPlus Gold LX | SBC | Summary | Booklet (EOC) |
| Access PPO VisitsPlus Platinum HD LX | SBC | Summary | Booklet (EOC) |
| Access PPO VisitsPlus Platinum LX | SBC | Summary | Booklet (EOC) |
| Access PPO VisitsPlus Silver LD LX | SBC | Summary | Booklet (EOC) |
| Access PPO VisitsPlus Silver LX | SBC | Summary | Booklet (EOC) |
| Access PPO VisitsPlus Silver LX - EO | SBC | Summary | Booklet (EOC) |
| Connect Virtual Plus Gold | SBC | Summary | Booklet (EOC) |
| Connect Virtual Plus Silver | SBC | Summary | Booklet (EOC) |
| Core Bronze HSA | SBC | Summary | Booklet (EOC) |
| Core Silver | SBC | Summary | Booklet (EOC) |
| Core Silver HSA | SBC | Summary | Booklet (EOC) |
| Core VisitsPlus Gold HD LX | SBC | Summary | Booklet (EOC) |
| Core VisitsPlus Gold LX | SBC | Summary | Booklet (EOC) |
| Core VisitsPlus Gold LX - EO | SBC | Summary | Booklet (EOC) |
| Core VisitsPlus Platinum LX | SBC | Summary | Booklet (EOC) |
| Core VisitsPlus Silver LX | SBC | Summary | Booklet (EOC) |
| Core VisitsPlus Silver LX - EO | SBC | Summary | Booklet (EOC) |
| Elect PPO VisitsPlus Gold LX | SBC | Summary | Booklet (EOC) |
| Elect PPO VisitsPlus Platinum LX | SBC | Summary | Booklet (EOC) |
| Elect PPO VisitsPlus Silver LX | SBC | Summary | Booklet (EOC) |
EO = employee only
HD = High Deductible
LX = Lab & X-ray
*SBC = Summaries of Benefits and Coverage
*EOC = Evidence of 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 |
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