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 a BHT Sales Representative:

Nathan Edmondson at 206.602.3558 or 
Nathan.Edmondson@advprofessionals.com

Paul Baker at 206.899.1895 or Paul.Baker@advprofessionals.com
Amanda Weidman at 206.962.3583 or Amanda.Weidman@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 2022 Documents

 


Premera Blue Cross Medical Plans

2023 Plan Year: January 1, 2023 - December 31, 2023
8 Industry Health Trusts: Agriculture, Business Services, Community Service Org., Construction, End-Line Manufacturing, Information Technology, Retail, and Wholesaling


 

2023-2024 Plan Year: July 1, 2023 - June 30, 2024
5 Industry Health Trusts: Aerospace, Healthcare, Media, Tourism and Transportation



 

Side by Side Comparison and Dual Choice Matrix

Download   Premera Blue Cross: 2023 Side by Side Comparison
Download   Premera Blue Cross: 2023 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
 
Cobalt Plans SBC's Benefit Highlights
Premera Cobalt $6000 SBC Heritage N/A
Premera Cobalt $7000 SBC Heritage N/A
Premera Cobalt $8000 SBC Heritage N/A


  • Click here to access the medical plan booklets

 

Side by Side Comparison and Dual Choice Matrix

Download   Premera Blue Cross: 2023 Side by Side Comparison
Download   Premera Blue Cross: 2023 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
 
Cobalt Plans SBC's Benefit Highlights
Premera Cobalt $6000 SBC Heritage N/A
Premera Cobalt $7000 SBC Heritage N/A
Premera Cobalt $8000 SBC Heritage N/A

 


Kaiser Permanente Medical Plans (AHP)

2023 Plan Year: January 1, 2023 - December 31, 2023
5 Industry Health Trusts: Aerospace, Healthcare, Media, Tourism, and Transportation


 

2023-2024 Plan Year: July 1, 2023 - June 30, 2024
6 Industry Health Trusts: Agriculture, Business Services, Community Services Org., Information Technology, Retail, and Wholesaling

 

Side by Side Comparison and Dual Choice Matrix

(Download) 2023-2024 KP AHP Side by Side Comparison
(Download) 2023-2024 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
$500 Summit PPO Click Click Click Click Click Click Click Click Click Click
$1,000 Summit PPO Click Click Click Click Click Click Click Click Click Click
$3,000 Summit PPO Click Click Click Click Click Click Click Click Click Click

 

(Download) WA Nondiscrimination Language
(Download) Disclosure Information

 

 

Side by Side Comparison and Dual Choice Matrix

(Download) 2023-2024 KP AHP Side by Side Comparison
(Download) 2023-2024 KP AHP Multi Plan Matrix


  Agriculture Business
Services
Community
Service Org.
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
$500 HMO Virtual Plus Click Click 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 Click Click
$3,000 HMO Virtual Plus Click Click 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 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
$500 Summit PPO Click Click Click Click Click Click Click Click Click Click Click Click
$1,000 Summit PPO Click Click Click Click Click Click Click Click Click Click Click Click
$3,000 Summit PPO Click Click Click Click Click Click Click Click Click Click Click Click

 

(Download) WA Nondiscrimination Language

 


Kaiser Permanente Medical Plans (Small Group/Community Rated)

2023 Plan Year: January 1, 2023 - December 31, 2023

(BHT Small Group / Community Rated)

2023 Plan Year: January 1, 2023 - December 31, 2023

Kaiser Permanente: Side by Side Comparison

 

Kaiser Permanente Medical Plans

  Plan Name SBC - English SBC - Spanish   Summary   Booklet (EOC)
  Access PPO Bronze HSA  Download Download Download Download
  Access PPO Silver HSA Download Download Download Download
  Access PPO VisitsPlus Gold HD LX Download Download Download Download
  Access PPO VisitsPlus Gold LX Download Download Download Download
  Access PPO VisitsPlus Platinum HD LX Download Download Download Download
  Access PPO VisitsPlus Platinum LX Download Download Download Download
  Access PPO VisitsPlus Silver HD Download Download Download Download
  Access PPO VisitsPlus Silver LD LX Download Download Download Download
  Access PPO VisitsPlus Silver LX Download Download Download Download
  Access PPO VisitsPlus Silver LX - EO Download Download Download Download
  Connect Virtual Plus Gold Download Download Download Download
  Connect Virtual Plus Silver Download Download Download Download
  Core Bronze HSA Download Download Download Download
  Core Silver Download Download Download Download
  Core Silver HSA Download Download Download Download
  Core VisitsPlus Gold HD LX Download Download Download Download
  Core VisitsPlus Gold LX Download Download Download Download
  Core VisitsPlus Gold LX - EO Download Download Download Download
  Core VisitsPlus Platinum LX Download Download Download Download
  Core VisitsPlus Silver LX Download Download Download Download
  Core VisitsPlus Silver LX - EO Download Download Download Download

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

*SBC = Summaries of Benefits and Coverage
*EOC = Evidence of Coverage

 


Non-Medical Plans

2023 Plan Year: January 1, 2023 - December 31, 2023


2023 Plan Year: January 1, 2023 - December 31, 2023

 

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 Plan 8 Download Download
  Delta Dental Ortho Option - Child(ren) Download Download
  Delta Dental Ortho Option - Family Download Download

 

 


2023 Plan Year: January 1, 2023 - December 31, 2023

 

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 Plan Summary Booklet
  Voluntary Life (for Employers with 5 or More Employees) Download 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

 


2023 Plan Year: January 1, 2023 - December 31, 2023

 

Vision Plans Summaries Booklets
  VSP Side by Side Comparison Download
  VSP Choice Plan A (Employer Sponsored or Voluntary) Download Download
  VSP Choice Plan B Download Download
  VSP Choice Plan B + CVC Download Download
  VSP Choice Plan C Download Download
  VSP Choice Plan C + CVC Download Download
  Exam Plus Plan Download Download
  Computer VisionCare (CVC) Plan Flyer Download

 


2023 Plan Year: January 1, 2023 - December 31, 2023

 

  Behavioral Health Systems - Employee Assistance Program Summary Download
  AIG Personal Accident Insurance Summary Download

 

 

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