Participants on a plan sponsored by the Associated Employers Group Benefit Plan & Trust ("the AE Trust") have important protection from an illness or injury. As part of the Affordable Care Act, plan sponsor must provide a document called a Summary of Benefits & Coverage (SBC) for each plan available to the employee.

Your employer may offer several health coverage options and choosing the right health coverage option is an important decision. To help you make an informed choice, the AE Trust makes available SBCs for each of its plans. The SBCs summarize important information about each health coverage option in a standard format, to help you compare options, if applicable.

Also available to assist in understanding your coverage is a Glossary of Health Coverage and Medical Terms.

Below are SBCs for all of the plan options available through the AE Trust. To view or print a copy of the SBC, simply click on the title below.

Please refer to the Plan option(s) available to you through your employer.

If you would like copies of the SBCs, please contact us at 406-248-6224

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Traditional Plan I

1/1/2024 Effective 1/1/2025

This SBC is for the following plans.

Co-Insurance Levels	80/20, 70/30, 50/50
Deductibles	$200, $500, $1,000, $1,500, $2,000, $3,000
Networks	First Choice, Cigna

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Traditional Plan I ChoiceCare

1/1/2024 Effective 1/1/2025

This SBC is for the following plans.

Co-Insurance Levels	80/20, 70/30, 50/50
Deductibles	$200, $500, $1,000, $1,500, $2,000, $3,000
Network	ChoiceCare (only available in Billings)

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Traditional Plan II

1/1/2024 Effective 1/1/2025

This SBC is for the following plans.

Co-Insurance Levels	80/20, 70/30, 60/40, 50/50
Deductibles	$4,000, $5,000, $6,000, $7,000
Networks	First Choice, Cigna

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Traditional Plan II ChoiceCare

1/1/2024 Effective 1/1/2025

This SBC is for the following plans.

Co-Insurance Levels	80/20, 70/30, 60/40, 50/50
Deductibles	$4,000, $5,000, $6,000, $7,000
Network	ChoiceCare (only available in Billings)

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HDHP Plan

1/1/2024 Effective 1/1/2025

This SBC is for the following plans.

Co-Insurance Levels	70/30, 50/50
Deductibles	$2,000, $3,000
Networks	First Choice, Cigna

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HDHP Plan ChoiceCare

1/1/2024 Effective 1/1/2025

This SBC is for the following plans.

Co-Insurance Levels	70/30, 50/50
Deductibles	$2,000, $3,000
Network	ChoiceCare (only available in Billings)

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HDHP 100/0 Plan

1/1/2024 Effective 1/1/2025

This SBC is for the following plans.

Co-Insurance Levels	100/0
Deductibles	$3,500, $4,000, $4,500, $5,000, $6,000, $7,000
Networks	First Choice, Cigna

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HDHP 100/0 Plan ChoiceCare

1/1/2024 Effective 1/1/2025

This SBC is for the following plans.

Co-Insurance Levels	100/0
Deductibles	$3,500, $4,000, $4,500, $5,000, $6,000, $7,000
Network	ChoiceCare (only available in Billings)

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If you would like to receive a paper copy of the SBCs, please contact us at 406-248-6224..