Trust Medical Plan

The Active Employee Plan makes the Trust Medical Plan available to you as an option for medical coverage. If you select this option you will receive your prescription drug benefits through Kroger Prescription Plans and your vision benefits from VSP. You have the option of receiving dental benefits through Kaiser Permanente OR through the Trust Dental Plan.

The cost of coverage through the Trust Medical Plan may be different than similar coverage through the other options offered in the Active Employee Plan. See Plan Options & Rates for the current cost of coverage.

 


Preferred Provider Network Directory (PPO)
The Trust Medical plan uses the Providence Preferred Provider (PPO) network for services provided in Oregon and SW Washington. The Trust Medical Plan uses MultiPlan for services provided outside of Oregon and SW Washington. The Trust uses preferred provider organizations to help manage health care costs.
Providence Preferred PPO.....(effective 5/1/2005)
(Services Provided in Oregon & SW Washington)

PPO Directory website
1. Search Provider Directory
2. Select your Plan or Provider Group: Providence Preferred Providers (PPO)

MultiPlan PPO..... (formerly BCE/ProAmerica)
(Services Provided outside of Oregon & SW Washington effective 5/1/2005)
PPO Directory website
You always have the choice of receiving care from any licensed provider or, going to an in-network PPO provider. However, the plan will pay higher benefits if you receive care from in-network providers.
In-network care

When you receive care in-network, you are seeing a PPO provider. A provider in this network has agreed to charge plan participants a certain rate for services. The rate is usually lower than what out-of-network providers would charge for the service. In addition, you receive a higher benefit and therefore you usually save money when you go to network providers.
Out-of-network care

When you receive care outside the network (from a provider who is not a member of the PPO), the plan usually pays a lower level of benefit and providers are not limited to contracted fees. As a result, your out-pocket costs will be higher than if you went to network providers.

When you receive care from an out-of-network provider, the plan generally pays 70% of usual, customary and reasonable (UCR) charges for covered services after you meet a $250 per person ($750 family) annual deductible. You are responsible for paying any charges above UCR.
Additional Provider Discounts

The Harrison Trust has an arrangement with organizations that attempt to obtain discounts on your medical bills even if the provider is not a member of the PPO Network. You and the Harrison Trust both share in the savings. For example, assume you have met your deductible for the year and went to see a non-PPO provider who charged $100.00. Under normal circumstances, you would pay 30% of the bill ($30.00) and the Harrison Trust would pay 70% of the bill ($70.00). On occasion, the Harrison Trust may be able to obtain a discount from the non-PPO provider who would, for example, agree to accept $80.00 in full payment of the charge. Under this scenario, you would pay 30% of the bill ($24.00) and the Harrison Trust would pay 70% of the bill ($56.00).
All information provided on this web site is in summary and intended to provide highlights of your plans. We strongly recommend referring to the Plan booklet for complete details before making any decisions related to your eligibility, benefits and coverage.