Exclusive Discounts and Solutions for MTRA Members through the Hospitality Associations Alliance Program

The Montana Restaurant Association is part of a strategic alliance program to help address the diverse needs of the hospitality industry. The Hospitality Associations Alliance, a strategic alliance platform created by the National Restaurant Association and UnitedHealth Group, offers exclusive discounts and solutions that benefit MTRA members and their employees.

This alliance program provides access to more health care solutions, promotes and supports health and wellness in the hospitality industry. Here are some of the program’s members-only offerings from industry-leading organizations, including UnitedHealthcare and Optum.

      Exclusive Health Care Discounts from UnitedHealthcare

UnitedHealthcare offers the following health care discounts for MT Restaurant Association Members:

• Up to a 5% discount on manual medical rates for fully insured groups with 51 or more eligible employees.
• An annual invoice credit of up to 5% on administrative fees for new ASO medical products for self-funded groups with 100 or more eligible employees.
• Up to a 5% discount on specialty benefits (dental, vision, life, disability, accident and critical illness) for fully insured groups – in addition to all other discounts including bundling benefits programs.

Ask your broker for a quote or contact Leslie Teague at [email protected]

NEW: Individual + Family health Insurance
Now available for MTRA members, your part-time and full-time team members can now access affordable personal health insurance. The Affordable Care Act/Exchange plans cover pre-existing conditions along with a list of essential health benefits. Through this program, your employees can:
• Speak directly to licensed agents and receive quotes from multiple insurance companies.
• Access any qualifying federal subsidies as part of the enrollment process.
• Immediately enroll in medical, dental, vision, life, disability and Medicare coverage programs.

Individual & family plans require no employer participation or contributions.
Click here to learn more www.hospitality-health.com/MTRA or call (855) 900-208.

I Missed My State’s Open Enrollment Deadline. Can I Still Get Healthcare Coverage?

Don’t worry! If you missed the enrollment deadline in your state, you have two options:

1) You may qualify for a Special Enrollment Period (SEP) that will allow you to apply for health insurance if you have experienced a qualifying life event. Qualifying life events can include:

o A change in your home address
o The loss of health insurance through a job or aging out of a parent’s policy at age 26
o Household changes such as marriage, divorce, a death in the family, or having a baby

You have 60 days to enroll in a plan, if you qualify for an SEP. But, if you miss that 60-day window, you will have to wait until the Open Enrollment Period to enroll in an individual health insurance policy for 2023.

OR

2) In many states you may apply for a short-term health insurance plan. Short-term health insurance coverage can be purchased for up to 364 days, and you can reapply for short-term coverage for up to 36 months in most states. Short-term health insurance plans might be a good, temporary fit for healthy people, as they will not cover pre-existing conditions like Affordable Care Act (ACA) plans.

If you do not qualify for an SEP and decide not to apply for a short-term health plan, you will have to wait until Open Enrollment 2023 begins in fall 2022.

Confused? Call us and we will help! (855)900-2081, or visit https://www.hospitality-health.com/MTRA

     Association Health Plan – Restaurant & Hospitality Association Benefit Trust

The Restaurant and Hospitality Association Benefit Trust (RHABT) is an association health plan offering medical and ancillary coverage to participating member businesses. The benefits portfolio is insured and provided by UnitedHealthcare and is available for small businesses in certain hospitality industries and geographies.

• For rating purposes small businesses are seen as a large employer.
• Large group plan designs focused on industry preference – no adjusted community rating or metallic designations.
• Members must be in one of the following SIC Codes: 5812, 5813, 7011, 7032, 7041

Visit www.uhctogether.com/mtra or contact Leslie Teague at [email protected].

 Free National Restaurant Association Pharmacy Discount Card

This free pharmacy discount program helps employees save up to 80% (average savings of 47%) on all FDA-approved prescription medications.

• Accepted at more than 62,000 pharmacies nationwide.
• Cards and coupons are pre-activated and easy to use; privacy is protected.
• There are no costs for using this card.
• Administered through OptumRx^®. This discount card program is not insurance.
• Search for the best price and download a coupon or the card to access your discounts here: http://perks.optum.com/hospitalityrx

Some restrictions and exclusions apply. Discounts are available only to members of the National Restaurant Association and its state restaurant association partners; and may vary by location and group size.
Insurance coverage provided by or through UnitedHealthcare Insurance Company, UnitedHealthcare Insurance Company of Illinois, Inc. or their affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates. Health Plan coverage provided by or through UnitedHealthcare of Montana, Inc.
Health savings accounts (HSAs) are individual accounts offered by Optum Bank^®, Member FDIC, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. State taxes may apply. This communication is not intended as legal, investment or tax advice. Please contact a competent legal, investment, or tax professional for personal advice on eligibility, investing, tax treatment and restrictions. Federal and state laws and regulations are subject to change.
Investments are not FDIC insured, are not guaranteed by Optum Bank^®, and may lose value.