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 Pre-65 Insurance / Expired HCTC Eligible Rates 

 Total cost includes Medical, Prescription Drug, Dental and Vision Benefits

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Sunset of the Health Coverage Tax Credit
To date, the Health Coverage Tax Credit (HCTC) has not been extended and funding continues to not be
available.  If you wish to remain in the VBTAR Trust insurance plans you will pay 100% of the plan premium for each month the HCTC program is not in operation.  If Congress extends the HCTC Program after the VBTAR Trust open enrollment period, there will be a special open enrollment period available at a later date.
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Vision Plan

Blue Vision benefits are provided by Vision Service Plan (VSP), the largest provider of vision care in the nation.  VSP is an independent company providing vision benefit services for Blues members.  To find a VSP doctor, call 1-800-877-7195 or log on to the VSP Web site at

Note:  Members may choose between prescription glasses (lenses and frame) or contact lenses, but not both.

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Dental Plan

Dental Benefits Summaries

The Airline Trust provides dental insurance coverage through Blue Cross Blue Shield


Enrolling in a Dental Plan

Dental insurance is offered through Blue Cross Blue Shield.  This plan provides  nationwide coverage and has both in and out of network coverage for plan participants.  If you qualify for HCTC benefits, and you enroll in the Gold, Silver or Bronze Bundled Plans, your dental and vision coverage is already included.  HCTC plan participants will pay 27.5% of the cost of their healthcare plans as long as the plans are priced as one cost( bundled).  You also have the option of selecting the plan as a standalone plan paying 100% of the cost for you and your family members of all ages, including those members of your family on Medicare.  There will be an admin fee of $4.25 of you and/or your family members select the dental coverage as a standalone plan. 

To enroll in a dental plan only, you will need to complete, sign and date the enrollment form and return it to the Benistar Retiree Service Center. 

Network Access information

With Blue Dental PPO Plus, members can choose any licensed dentist anywhere . However, they'll save the most money when they choose a dentist who is a member of the Blue Dental PPO network.

 Blue Dental PPO network- Blue Dental members have unmatched access to PPO dentists through the Blue Dental PPO network, which offers more than 260,000 dentist locations nationwide.  PPO dentists agree to accept our approved  amount as full payment for covered services -  members pay only their applicable coinsurance and deductible amounts. Members also receive discounts on noncovered services when they use PPO dentists  (in states where permitted by law). To find a PPO dentist  near you, please visit or call


1  Blue Dental uses the Dental Network of America (DNoA) Preferred Network for its dental plans.

2  A dentist location is any place a member can see a dentist to receive high-quality dental care. For example, one dentist practicing in two offices would be two dentist  locations.


Blue Par SelectSM arrangement-  Most non-PPO dentists accept our Blue Par Select arrangement, which means they  participate with the Blues on a "per claim" basis. Members should ask their dentists  if they participate with BCBS before every treatment.  Blue Par Select dentists accept our approved amount as full payment for covered services - members pay only applicable coinsurance and deductibles . To find a dentist who may participate with  BCBS, please visit

 Note: Members who  go to nonparticipating  dentists are responsible for any difference between our approved amount and the dentist's charge.

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