1. How long has the HPM Health Plan been in operation?
The HPM Health Plan was started in March 2008 and in that time, we have grown to over 1300 employee lives and over 2500 total lives.
2. When can we join the HPM Health Plan?
You can join the HPM Health Plan any month during the year. The benefit year renews on January 1.
3. What do we need to do to get a quote?
To get a quote, please contact Kris Sweeney 406-443-4919 or ksweeney@hpmpt.org.
4. How many employees are we required to have to join the plan?
To join the plan an employer must have at least 2 employees enrolled.
5. Does an employer have to contribute to an employee’s premium?
Yes, an employer must contribute at least 50% to the employee’s premium and the employer must pay 100% of the Sponsor Service Fee.
6. What is the Sponsor Service Fee?
The Sponsor Service Fee is paid to the Trust’s sponsor organization and is used to pay costs and services related to the establishment, design, and promotion of the Trust.
7. Can an employer choose eligibility requirements?
Yes, the employer may choose the hours required to be eligible (minimum of 80 hours per month) as well as the waiting period.
8. Does the HPM Health Plan offer COBRA administration?
For groups over 20, the HPM Health Plan will provide COBRA administration at no additional charge.
9. Can retirees remain on the HPM Health Plan?
This is optional. The group must elect to allow it and the employer group must continue to be enrolled in the plan with two active employees.
10. Do you handle Health Savings Accounts?
No, the HPM Health Plan provides the health benefits, the group may choose any HSA provider for the savings account.
11. If we join mid-year, can we get credit for deductibles and out-of-pocket maximums already earned?
Yes, if the employer currently provides group insurance to their employees and moves to the HPM Health Plan mid-year, we will give deductible and out-of-pocket maximums credit at no extra charge.