Health Plan Changes for 2025
The Maine Municipal Employees Board of Trustees has elected to make a number of significant changes to the Health Trust medical plans for 2025, as a result of the increasing cost of healthcare and to reduce barriers to receiving necessary care.
A letter describing these changes was mailed to all Health Trust members in mid-September. It is also available for your reference here.
The changes being made include:
- Insurance referrals will no longer be required for members in the current POS plans. Effective January 1, 2025, a PCP referral will no longer be required for insurance coverage to be paid at the in-network level of benefits. Some specialists may still require that you be seen by another provider before receiving specialty care, however you will no longer need to designate a PCP with the Health Trust.
- Prescription Copays are being increased. Pharmacy costs continue to escalate at a rapid rate. In order to keep premium increases down for all members, the Board of Trustees have determined that it is necessary to increase member copays for prescription drugs for 2025. Copays will increase most significantly for specialty (Tier 4) drugs. Some preventive medications will also be changing tiers, so you may see the copay lowered for these drugs.
- The POS A Plan is being eliminated. If you currently participate in the POS A plan, you will need to elect another plan that your employer offers during Open Enrollment.
- All of the Health Plans are being renamed as follows:
| Current Plan | New Name 1/1/2025 |
| POS A | N/A |
| POS C | Acadia |
| POS 200 | Baxter |
| PPO 500 | Katahdin |
| PPO 1500 | Moosehead |
| PPO 2500 | Pemaquid |
Please be watching for more information this fall via mail, and on this website. Information about premiums for 2025 will be distributed in mid-November. If you wish to make changes to your benefit elections for 2025, you may do so during the Health Trust’s Annual Open Enrollment period, November 15 – December 15, 2024, for a January 1, 2025 effective date. Because of the changes listed above, all members will receive a new ID card in January 2025.