Getting the Most out of Your Benefits

BHT Introduces New 401(k) Plan for Businesses that Dream Big

Offering a 401(k) plan can be costly and time-consuming – and when you’re growing a business, you need to manage your resources wisely. As your source for employee benefits, Business Health Trust is proud to expand on its solutions by introducing the EVOLVE 401(k) plan for small businesses that dream big.

More than insurance, Business Health Trust is a resource, offering small employers in Washington the information and tools they need to design and manage a competitive employee benefits program. EVOLVE is the ideal 401(k) solution for businesses that want to offer full-service retirement benefits and keep costs in check.

Learn more about the plan in our Q-and-A with ABD Retirement Services, the team of professionals who handle the details so you can stay focused on growing your business:

How can adding a 401(k) program help a small business grow and succeed?

Offering a 401(k) plan gives your business a competitive advantage to attract and retain quality employees. In addition, a retirement plan at work addresses one of the main financial wellness concerns employees have and can help you increase loyalty and productivity.

How is EVOLVE different from other 401(k) plans?

EVOLVE is specifically created to address the challenges small businesses face when deciding to offer a retirement plan, including:

  • Fee Transparency – EVOLVE has no hidden fees
  • Simplicity – EVOLVE offers plan options that minimize employer tasks
  • Liability Protection – EVOLVE offers investment oversight by an independent fiduciary limiting your liability for plan investments
  • Employee Focus – EVOLVE is designed to make saving and investing easy for employees

EVOLVE offers large plan features to small employers. It’s for businesses that dream big!

Is EVOLVE only for companies that don’t already have a 401(k) plan?

EVOLVE is for any employer, including those with an existing plan. Contact the EVOLVE team to compare your current plan with EVOLVE plan options. You will get unbiased guidance to evaluate your options.

How does EVOLVE make it easier for small businesses to set up a 401(k) plan that meets their budget while satisfying employees’ needs?

EVOLVE uses a simple questionnaire to gather essential data that will help you setup your plan. The EVOLVE team provides guidance to make sure the plan is a good fit to your business. The simplified plan types that are offered by EVOLVE are designed to reduce operational burden on the employer. The easy-to-use website and app combined with low-cost investments help employees use the plan effectively.

What resources are available to help employees wisely invest in their future?

EVOLVE focuses on what matters. The platform is designed to assist employees making the two major decisions required for successful retirement outcome:

  • How much should I have?
  • How should I invest what I’m saving?

The platform has web-based tools that will guide employees in making these two key decisions. Keeping it simple helps keep cost low while helping employees make the right decisions. The EVOLVE platform can also automate the employee decisions with automatic enrollment and annual adjustments.

Is EVOLVE suitable for employers with complex needs or on a fast growth track?

Yes. EVOLVE is a solution, not a one-size-fits-all package. The EVOLVE team has experience working with a range of clients from startsups to publicly traded global companies. Reach out to us for free consultation at info@businesshealthtrust.com.

Woman meditating next to smart phone.

Find Health in the New Year with Self-Help Apps

Business Health Trust members enrolled in medical from Kaiser Permanente now have access to two powerful apps that can help build resilience, set goals, and maintain health and emotional well-being in everyday situations and throughout challenging times. Calm and MyStrength® are evidence-based apps that are hand-picked by Kaiser Permanente physicians and are easy to use and confidential.

Calm app

Calm uses meditation and mindfulness to help lower stress, reduce anxiety, and improve sleep quality. Key features include:

  • Guided meditations
  • Soothing bedtime tales for grown-ups
  • Exclusive music tracks to aid focus, relaxation, and sleep
  • Master classes taught by well-known experts

MyStrength app

This app offers personalized programs designed to support mental, emotional, and overall well-being. MyStrength offers a broad range of programs focusing on:

  • Managing depression
  • Controlling anxiety and reducing stress
  • Supporting new parents
  • Aiding drug, alcohol, and nicotine recovery
  • Practicing mindfulness and meditation

Members can get the Calm and myStrength apps and explore more self-care resources at kp.org/wa/mhw. Many of Kaiser Permanente’s mental health and emotional well-being tools are available to anyone. Only Kaiser Permanente members can access the Calm and myStrength apps at no cost.

Get Fit at a Discount Through New Business Health Trust Partnership

Keeping members healthy and productive is our mission at Business Health Trust. In these uncertain and stressful times, that means we are continually adapting and enhancing our resources to better serve our employers and their employees.

As we head into a holiday season that is guaranteed to be like no other, Business Health Trust (BHT) wants to help motivate our members to make time for exercise through a new partnership with Fitness Together. With locations in Kirkland, Mercer Island and Madison Park, Fitness Together is offering the following services at a discounted rate to BHT members:

Personal Training (In-Person and Virtual)

One-on-one personal training with a certified personal trainer. Each session is tailored to your individual needs, taking into consideration medical history, movement history and goals. These sessions are offered virtually or at studio locations. BHT Member Cost: $75/session

Virtual Small-Group Training

30-minute virtual group classes led by degreed, certified trainers are offered several times per week. Join 10 to 15 other participants for a “boot camp”-style workout with exercise progressions to meet the needs and fitness levels of the group. BHT Member Cost: $10/session

Sign Up and Learn More

To sign up and for more information, please contact Steve Dempsey at stevedempsey@fitnesstogether.com or call 425-242-1782.

To share this resource, please download our flyer New Wellness Benefit from Fitness Together.

Learn more about Business Health Trust’s robust wellness benefits.

Virtual Care Appointment

BHT Introduces New Virtual Plus Plans Through Kaiser Permanente

With its focus on providing high-quality, affordable employee benefits, Business Health Trust is proud to announce the new Virtual Plus HMO plans available to members enrolled in medical through Kaiser Permanente.

Starting in 2021, the Business Health Trust Small-Group Program will include two new options that feature fully covered virtual care visits: Virtual Plus Silver and Virtual Plus Gold plans.

These unique plans are a good option for employees who want affordable care and the convenience of starting most care online. Available in King, Pierce, Snohomish, Spokane, Kitsap and Thurston counties, the new Virtual Plus plans feature the following highlights:

  • Low monthly premiums.
  • No charge or referral needed for virtual care, first in-person primary care visit, and all preventive care.
  • Get virtual care through 24/7 Care Chat online messaging or nurse phone line, scheduled video visits and phone appointments, e-visits, or email for nonurgent questions.*
  • Virtual visits are with Kaiser Permanente doctors and clinicians — the same ones you’d find in our medical facilities.
  • Fill the first prescription for a new medication at an in-network pharmacy or mail order. Get most refills and maintenance medications through mail order. Delivery is free and usually takes 1 to 2 days.
  • Includes worldwide in-person emergency and urgent care coverage.
  • Care at Kaiser Permanente walk-in clinics is not considered urgent care and requires a referral in order to pay a lower out-of-pocket cost.

The Business Health Trust Small-Group Program is available to employers with up to 50 employees, offering scalable, competitive benefits for even the smallest companies. To learn more or to get a quote, contact info@businesshealthtrust.com or fill out our Request a Quote form.

*When appropriate and available.

Open Enrollment Resources to Help You Find the Right Health Plan at the Right Cost

Business Health Trust offers more than health insurance — we are also a resource, offering small employers in Washington state the information and tools they need to design and manage a competitive employee benefits program.

With open enrollment now under way for many businesses around the state, Business Health Trust strives to help you stay informed with resources from our partners at Washington Health Alliance.

Need help selecting a health plan that attracts talent and keeps your employees healthy and productive — at a budget you can afford? The Washington Health Alliance’s following video on Getting the High-value Care you Deserve is a great place to start.

For more resources, consider articles such as:

Learn more at ownyourhealthwa.org.

Video chat with male doctor

BHT Expands Virtual Care Access Through Premera Blue Cross in 2021

Business Health Trust (BHT) is making it even easier to visit with a doctor in 2021 with expanded access to virtual care for members enrolled in medical through Premera Blue Cross.

Instead of planning your life around provider access, take advantage of this reimagined network that significantly increases access to primary and hard-to-get specialized care.

No matter where you are, you can get the right care quickly through the following integrated virtual care offerings for BHT members enrolled in medical through Premera:

  • 98point6: Text-based primary/urgent care from a doctor, 24/7.
  • Doctor on Demand: Video and phone-based primary/urgent care and mental health therapy.
  • Talkspace: Video and phone-based mental health therapy.
  • Boulder Care: Treatment for opioid use disorder and alcohol use disorder. Video visits and messaging with a therapist.
  • Workit Health: Treatment for opioid use disorder and alcohol use disorder. Live chat and video with a therapist.

Business Health Trust’s 17 different medical plan designs through Premera Blue Cross come with a variety of value‑added benefits, including embedded life/AD&D insurance and employee assistance program (EAP), which offers additional access to virtual counseling through BetterHelp.

To learn more or to get a quote, contact info@businesshealthtrust.com or fill out our Request a Quote form.

Event: Value-Based Care Virtual Summit

Please consider joining this free virtual event from our partners at Washington Health Alliance:

Event: Value-Based Care Virtual Summit
Date: November 12, 2020
Time: 8:30-11:30 a.m.

Featuring keynote speaker Donald Berwick, MD, MPP, FRCP, the free virtual Value-Based Care Summit will examine obstacles and barriers to change for all stakeholders, and actively promote and support a more rapid acceleration of value-based payment models across our state.

For more information and to register, visit the event site.

Introducing Wellness Wednesdays

Business Health Trust is more than your health insurance provider, we are a resource. That’s why we’re constantly looking for ways to add value to the benefit packages our members offer their employees – including our newest benefit: Wellness Wednesdays.

Every Wednesday at noon through the end of the year, Business Health Trust will host an online wellness class. We’ve worked with local providers to offer these classes exclusively for our members, and we’ve created the resources you need to promote this new benefit to your employees.

As the pandemic continues, and the weather changes, we can all use a little motivation to stay healthy. We hope you’ll share this resource with your employees, and even consider using these weekly wellness classes as a team-building exercise!

October Schedule

A huge thank you to Ian, from IanFitness who’s helping us kick off our new program on October 7 with his HIIT Bodyweight Workout.

  • 10/7 – HIIT Bodyweight Workout with Ian Fitness
  • 10/14 – Hatha Yoga with Fran Gallo
  • 10/21 – HIIT Bodyweight Workout with Ian Fitness
  • 10/28 – At-Home Ergonomic Advice & Stretches

November Schedule

  • 11/4 – Interval Bodyweight Workout with Ian Fitness
  • 11/11 – Hatha Yoga with Fran Gallo
  • 11/18 – Interval Bodyweight Workout with Ian Fitness
  • 11/25 – Holiday Week – No Class

December Schedule

  • 12/2 – Interval Bodyweight Workout with Ian Fitness
  • 12/9 – Hatha Yoga with Fran Gallo
  • 12/16 – Interval Bodyweight Workout with Ian Fitness
  • 12/23 – Holiday Week – No Class
  • 12/30 – Holiday Week – No Class

Visit our Wellness Wednesday page for class descriptions and resources for your employee communications, including a monthly calendar, class flyers and sample copy for emails.

Kaiser Permanente Keeps Members Informed as Flu Season Nears

Even though flu season doesn’t usually peak until December to February, this year Kaiser Permanente is urging its Business Health Trust members to get vaccinated before the end of October.

Kaiser Permanente’s updated Flu Q&A can get you up to speed on what’s new for the 2020-2021 flu season, but one of the biggest changes is that this year, flu shots are available by appointment only at in-network provider offices and in-network pharmacies.

More information will be shared at Kaiser Permanente’s next webinar in its COVID-19 series, from 11:30 a.m. to 12:30 p.m. Monday, October 5, 2020, on “What to expect this flu season and supporting caregivers through the pandemic.” Topics will include:

  • COVID-19 updates and trends – New insights on the current state of the pandemic
  • What to expect this flu season – How COVID-19 compares to other pandemics and outbreaks, and why flu prevention matters more than ever
  • Supporting caregivers through the pandemic – The additional challenges faced by employees who are also caregivers, and how you can help make things easier

Learn more about how you can protect yourself and others by getting a flu shot in this Kaiser Permanente Flu Shot flyer that can be posted in your office, home or other communal space.

Is COVID-19 Testing Covered for Business Health Trust Members?

Business Health Trust is proud to offer competitive insurance benefits to small and mid-sized businesses in Washington state. We partner with major carriers so that our members can provide competitive employee benefit programs that support healthy, productive employees.

Since the COVID-19 pandemic first hit, our medical partners at Premera Blue Cross and Kaiser Permanente have continued to adapt to take care of members’ needs and help keep the community safe.

In most situations, COVID-19 testing is covered for members enrolled in medical through Business Health Trust:

Kaiser Permanente: Testing and diagnosis at Kaiser Permanente are available at no cost to members. If you decide to get tested at an outside lab, you’ll need to pay for your test, but you can file a claim form for reimbursement. Please note that Kaiser Permanente will cover the cost of testing only if it was conducted by a licensed provider.

Read more about COVID-19 testing for Business Health Trust members enrolled in Kaiser Permanente.

Premera Blue Cross: Testing is covered when a doctor orders the test. The test is covered with no out-of-pocket cost with a doctor’s order. However, keep in mind that most plans don’t cover COVID-19 testing for:

  • Return to work or school
  • Caretaker work requirements
  • Contact tracing
  • Travel requirements
  • Community management
  • Government requested

Read more about COVID-19 testing for Business Health Trust members enrolled in Premera Blue Cross.