Insurance Enrollment

Everything you need to get enrolled in Trustees Insurance

How to Enroll

Below you will find the summary information for each of the plans available. For details on employee eligibility, please view the “Eligibility Requirements” located to the right. For rate details, please contact PSATS Trustees Insurance at 800-382-1268 for a copy of our rate sheets. 

When your township or authority is interested in enrolling, a resolution must be adopted and a Joinder Agreement must be completed. In addition, please complete the “Election of Participation” form (located to the right) and return it to our office. You will use this form to select the insurance plan(s) in which you wish to participate. 

Enrollment forms must be completed for each enrolling employee and must accompany the “Election of Participation” form. A waiver must be completed for each eligible employee that chooses to opt out of any of the benefits offered. Enrollment forms are located to the right and can be submitted three ways:

  • Fax: 717-730-0290
  • Mail: PSATS Trustees Insurance, 4855 Woodland Drive, Enola, PA  17025-1291
  • Email: trusteesinfo@psats.org (If you would like to send securely, please email us first requesting an encrypted email. You may respond to the encrypted email with the attachment for secure delivery)

Depending on the product(s) chosen, there may be supplemental paperwork required, however, this will get the process officially started. We require the submission of the above paperwork no less than 30 days prior to the proposed effective date. 

Eligibility Requirements

Employee eligibility details

Trust Resolution

Adopt a Resolution

Election of Participation for Townships

Select which plans you wish to enroll

Election of Participation for Authorities

Select which plans you wish to enroll

Trustees Insurance Enrollment Form

We need one form for each employee you are enrolling.

Medical

Below are five PPO (Preferred Provider Organization) plans available with the PSATS Trustees Medical Insurance services. The plans include a pharmacy benefit.  The PPO provider network for the medical insurance is the Aetna Open Choice PPO network.  With the Aetna network you will have access to 80,000 providers and all the 213 acute care hospitals in Pennsylvania. 

  • For up-to-date information regarding the participating PPO providers, click hereYou will be directed to Aetna’s website and will need to click on “Plan from an employer” under “Guests.” Next you will enter your zip code and mileage range and click “Search.” On the last page under “Select a Plan” scroll down to “Aetna Standard Plans” and select “Open Choice PPO” then click “Continue.” 

PPO Plan 2
PPO Plan 3
PPO Plan 5
PPO Plan 6
PPO Plan 7

Prescription Plan

Our health insurance plans with Aetna include a prescription benefit. The following information will assist you in understanding what the prescription benefits are and how to use them.

To find a partnering pharmacy or to check if your current pharmacy participates in the Prescription Plan, click here.

To find a medication, click here.

Aetna Pharmacy Plan Brochure

Dental

The PSATS Trustees Insurance Fund offers you two valuable dental plans through Aetna Insurance. Both dental plans will be passive PPO, which means the benefits are the same for both in-network and out-of-networks services. Therefore, if your dentist is not in the network, the benefit will be the same and you will not see a decrease in coverage. 

  • For up-to-date information regarding the participating PPO providers, click hereYou will be directed to Aetna’s website and will need to click on “Plan from an employer” under “Guests.” Next you will enter your zip code and mileage range and click “Search.” On the last page under “Select a Plan” scroll down to “Aetna Standard Plans” and select “Open Choice PPO” then click “Continue.” 

Read more about our dental insurance:
Aetna Dental PPO Plan Brochure
Aetna Dental/Medical Integration Program

Available Plans:
Dental Plan 1
Dental Plan 2

Vision/Hearing

Underwritten by National Vision Administrators (NVA), our Vision Insurance Plan will have you seeing the savings clearly. This plan can be offered on either an employer-paid or employee-paid basis and has no minimum requirements for the size of your group. With the large provider network in Pennsylvania, members can easily find a provider or even nominate a provider to the network.

For more information regarding participating and the services offered, visit the NVA website at e-nva.com. Enter psats as the User ID and vision1 as the password.

As an additional bonus to the Vision Insurance Plan, the Trustees Insurance and Retirement Services introduced a Hearing Service Plan in 2018. The hearing service plan offers up to 60% off brand name hearing aids and provides access to a large network of professional audiologists and ENT physicians.

The following information will assist you in understanding the benefits to the Vision Insurance Plan and Hearing Insurance Plan:
NVA Vision Benefit Summary
Contact Fill Brochure
LASIK Benefit
Epic Hearing Service Plan

Life

Below are six Life Insurance Plans provided to townships through Unum Insurance. Each plan includes a matching Accidental Death and Dismemberment Benefit. There is no change in benefit unless you reach age 70. For active employees age 70 or over, the benefit will be 50 percent of the benefit that was in effect on the date before attainment of age 70.

Each plan includes an Accelerated Death Benefit option. (Under special circumstances, a portion of the life benefit is payable prior to death).

Plan 1 ($10,000 Benefit)
Plan 2 ($12,000 Benefit)
Plan 3 ($20,000 Benefit)
Plan 4 ($30,000 Benefit)
Plan 5 ($50,000 Benefit)
Plan 6 ($75,000 Benefit)

 

Disability

The following Short-Term Disability Plans are provided to townships through Unum Insurance. These plans provide a disability income benefit for up to 35 weeks of disability. Benefits begin on the first day if the disability is the result of an injury and the eighth day if the disability is the result of sickness (unless you are hospital confined due to sickness, then disability begins the first day.)

Townships can either select Plan 1, Plan 2, or Plan 3.

Plan 1
Will pay you $165 per week of disability unless you are hospital confined. If you are hospital confined, the weekly benefit will be increased to $248 per week.
Plan 1 Summary

Plan 2
(Employee must work 30 hours per week.)
Will pay you $250 per week of disability unless you are hospital confine. If you are hospital confined, the weekly benefit will be increased to $375 per week.
Plan 2 Summary

Plan 3
(Employee must work 30 hours per week.)
Will pay you 60% of earnings to a maximum of $600 per week of disability.
Plan 3 Summary

Note: Benefits are payable for non-occupational injuries or sicknesses.

Medicare Advantage

We offer two Medicare Advantage Plans with a Prescription Drug Benefit to our member townships. Click here to determine if your township is in a county that is served by the Aetna PPO network.

Medicare Advantage PPO Plan with Rx 1203
Medicare Advantage PPO Plan with Rx 1338 

Medicare Advantage enrollment Form

We need this form to set up Medicare Advantage for your organization.