We work with communities across Indiana, so whether you’re a big city or a small town we know how similar communities are handling the challenges of property tax reform, school funding and economic development.
So don’t settle for someone in your backyard. Let us share the best ways that communities your size are investing in the long-term despite an uncertain future.
Angola
Avon
Bloomington
Cicero
Culver
Danville
Darlington
Fowler
Georgetown
Greenfield
Hagerstown
Highland
Lafayette
Monticello
Nashville
Rensselaer
Rockville
Sweetser
Valparaiso
Warsaw
Swayzee
Hebron
Lowell
Kewanna
Walkerton
DeMotte
West Lafayette
Moores Hill
Munster
Topeka
Lebanon
Knightstown
Shirley
Scottsburg
Arcadia
South Whitley
Beech Grove
Greencastle
Edgewood
Pierceton
Southport
Winona Lake
Gary
Schererville
Shoals
Otterbein
Aurora
Oxford
Aim
Salem
Goodland
Nappanee
Cloverdale
Bedford
Knox
Argos
Kirklin
West Terre Haute
Bourbon
Crothersville
Martinsville
Waynetown
Bargersville
Leo-Cedarville
Rochester
Linton
Winslow
Ligonier
Crawfordsville
We know it’s tempting to look at municipal health one year at a time. But isn’t it time for a longer-term view? Isn’t it time to realize the combined buying power of municipalities who are in this together?
The Trust is a self-funded pool where members contribute to a shared fund to achieve the benefits of:
Our members commit to joining our insurance pool, and that can pay big dividends. As you can see, the Trust’s cumulative renewals since 2010 are significantly less than the industry trend.
As the membership grows, fixed costs decrease, claims expenses are predictable with less volatility and reserves are returned to the members through offsetting future premiums. The annual renewals have been below medical trend for 10 out of 12 years.
In other words, joining the Trust can mean big savings for your municipality.
We partner with our member communities to keep their employees healthy through annual preventive exams, health risk assessments, biometric screenings, wellness best practices, health fairs and support.
We also offer a variety of disease management services for:
We make your HR director look like a hero because we’re there to help answer employee questions. And we also offer legal advice and health coverage counseling.
We know that on boarding a new healthcare plan can be exhausting. So you’ll love the fact that our plans don’t change every year and we do the work, including employee training.
It’s a confusing time for your human resources staff with all the changes brought by Patient Protection and Affordable Care Act (PPACA). Fortunately, we’re your ACA experts. We’ll answer all your questions about how federal healthcare reforms affect you at the local level, and how your peers are dealing with the changing healthcare landscape.
Don’t settle for a short-term view. Get the health coverage you deserve without the premium spikes. The Trust’s annual premium increase is about half of the industry increase. Pooling risks together with other Indiana Municipalities allows the higher costs of the less healthy to be offset by the relatively lower costs of the healthy. It is a perfect example of Hoosiers working with Hoosiers. In general, the larger the risk pool, the more predictable and stable the premiums can be.
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