Insurance Benefits - Active Employees

The Maine Municipal Employees Health Trust is committed to containing costs while maintaining quality benefit programs. We are a fully funded, self-insured trust offering a variety of benefit plans to participating employers and their employees.

MEDICAL:   The MMEHT offers participating employers a choice of seven health insurance plans to meet the needs of their active employees.   Participating employers may offer up to three plans to their employees in accordance with plan guidelines.   Click here for an explanation of the MMEHT’s Flexible Choice Option.   

All of the health insurance plans, with the exception of the Traditional POS plan, offer members the ability to reduce their out-of-pocket expenses by using Providers of Distinction.  Please click here for more information on the Providers of Distinction program offered through the Maine Municipal Employees Health Trust.  The Providers of Distinction program will not be changing for 2017.

Please click on the links below for 2017 summaries of the Health Trust plans and the dental plan. (2016 summaries of the Health Trust health plans may be found on the SBCs page of this website.) There are no changes to benefits or premiums for the Health Trust Life, IPP, LTD, and Vision plans in 2017.

- Three Point of Service plans:

Traditional POS (POS A)
Comprehensive POS (POS C)
POS 200


- Four Preferred Provider Organization Plans

PPO 500
PPO 1000
PPO 1500
PPO 2500

Active employees enrolled in a Health Trust health insurance plan receive a basic life insurance benefit equal to one times annual salary.

OTHER:    The MMEHT offers participating employers additional high-quality options to round out a comprehensive benefit program.  Please click on the links below for details on each program.

- Dental Insurance

- Life Insurance: (including Basic Life, Supplemental Life, and Dependent Life)

- Disability: ( Short-Term Income Protection Plan and Long Term)


-TruHearing Hearing Aid

Please contact us for more information







Health Insurance
Traditional POS
Comprehensive POS
Income Protection
Long Term Disability
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