Find a Network Provider/Facility
Whether you are getting your annual physical or need to see a specialist, try to find a Network Provider/Network Facility (they’re also often referred to as “in-network”).
Why is this important? Choosing a Network Provider/Facility can protect your bottom line, your cash, your money! We use First Choice Health Network(FCHN), so Network Providers and Network Facilities are contractually obligated to accept the fees they have negotiated with FCHN as payment in full for covered charges. That means the payments they receive from the MCUL Trust Medical Plan together with your deductible, copayment or coinsurance will cover the complete cost of your treatment for covered charges.
Phone: 800-231-6935
Web: fchn.com
File a Medical Claim
EBMS’s miHealth Manager will be your online access point to your medical claims, network information, and other key features. You need your ID card to register for your account. If you don’t have this yet, email mara@mcun.coop for help.
If you have questions, you can call and talk to EBMS Customer Service at 866-268-3622 or email them from within the portal.
EBMS Customer Service Hours (Mountain Time)
- M-Th from 6 a.m. to 8 p.m.
- Friday from 6 a.m. to 6 p.m.
Fill a Prescription
Call SmithRx Customer Care at 844-454-5201 for your Rx benefits. Someone will answer 24 hours a day, 7 days a week. Or, if you’d prefer, you can also access Customer Care through the SmithRx website.
Are you struggling with the cost of your prescriptions? SmithRx might be able to help — contact Customer Care and ask about their Smith Rx Connect programs.
Precertify Your Medical Procedures or Services
Precertification is the process of obtaining prior authorization for certain types of hospitalizations, procedures, and surgeries. It plays an important role in ensuring that you and your family members receive quality healthcare, when and where you need it. That’s why your plan includes the added expertise of Medical Rehabilitation Consultants (MRC). Procedures or services that require precertification include, but are not limited to
- Inpatient hospital admissions
- Inpatient and outpatient surgical procedures
- Home health care and Hospice care, and more
Check out this flyer to find out more.
Use our Mobile App to See Your Benefits?
Want to see all of your benefits in an easy-to-use mobile app benefits wallet? HealthJoy can do this for you. When you download the mobile app, your credit union-specific benefits will be at your fingertips as will the contact details for all of the Trust’s vendor partners.
HealthJoy also gives you access to 24/7/365 telemedicine, healthcare concierge, prescription savings review, medical bill review, appointment booking, provider booking, and more.
HealthJoy Website or call 855-947-6900
HealthJoy Flyer
HealthJoy Tip Sheet
Track your Benefits the Old-Fashioned Way?
While it’s extremely handy, you don’t need to use our mobile app to keep track of your benefits and claims. HealthJoy also has a robust website, and you can also always call and talk to a real-live person.
This flyer has more information
Call 855-947-6900
Get Help Managing Anxiety, Depression, or other Stressful Situations
The HealthJoy EAP is our employee assistance program. It’s there for you and your immediate family members if you want some help managing anxiety, depression, marriage and relationship problems, grief and loss, substance abuse, anger management, work-related pressures, or stress.
The program offers six free sessions of confidential, face-to-face counseling sessions along with expert referrals and consultations. Check out this flyer for an overview.
Get Info on Child Care, Elder Care, and Legal Services
The HealthJoy EAP Program is more than counseling. The folks at HealthJoy have collected thousands of helpful resources for many personal and work-related topics. That includes helpful articles, tip sheets, and links to search engines and directories for Child Care, Elder Care, Education, along with Legal, Financial, and Convenience Services.
Access Medical Telemedicine
HealthJoy also gives you access to 24/7/365 telemedicine, healthcare concierge, prescription savings review, medical bill review, appointment booking, provider booking, and more.
Access through your HealthJoy App or call 855-947-6900.
Access Mental Health Telemedicine
Recuro gives you access to 24/7/365 mental health telemedicine. They provide comprehensive behavioral health care from therapy and counseling (free telemedicine benefit) to psychiatry and medication management. Learn more here.
Access 3 easy ways.
Email!
Call- 855.6RECURO (855.673.2870)!
Website!
Get Help Managing (or Preventing) a Chronic Disease
We’re partnering with Take Control, a health coaching service based in Missoula. Their experienced health coaches will work with you to help you achieve better health and feel your best. Contact their team for confidential help managing Diabetes, High Blood Pressure, High Cholesterol, Weight Management, Pregnancy & Maternal health, and to review your annual biometric screening results.
Complete your Annual Biometric Screening
If you want to make more informed, strategic health plan decisions, you need to know your health data. We partner with It Starts With Me (ISWM) to give our plan participants the chance to get an annual biometric screening for free. ISWM sends a friendly, professional crew around the state each year so you can get a screening in (or fairly close to) your town.
Here are the screenings scheduled in the next couple of months. Click on the link to schedule your appointment.
You get your results in the mail about a week after your screening so you can review them with your doctor.
Review Your Biometric Screening with a Professional
If you want to better understand the results from your biometric screening, you now have another option. Our partnership with Take Control includes a review of your It Starts With Me (ISWM) biometric screening with a professional who can discuss your results with you and provide guidance when needed.
Help Managing a Cancer Diagnosis
If you or your family has been diagnosed with cancer, Cancer Expert Now can help, free of charge. You can ask the expert anything, no question is too big or small. Ask about…..
- a screening
- new or existing diagnosis
- medications
- procedures or surgeries
- treatment plans
- condition requiring a specialist
- survivor protocols and more!
Schedule an appointment by emailing, calling- 855-946-5735, or via their website. Let them know you are with the Montana Credit Union League Group Benefits Medical Trust.
Get Help with Balance Bills for Out-of-Network Claims
The Trust has contracted with ELAP Services to provide legal representation to our members who receive a big bill for out-of-network physician and facility claims or air ambulance claims. Not only will ELAP audit all out-of-network claims to determine an allowable payment limit, but they will also negotiate with the provider if you are balance billed,
Check out this flyer to find out more.
Get Help with Back, Neck, Shoulder, Knee, or Hip Pain
The Trust has contracted with HealthJoy’s MSK (Musculoskeletal) program to help address one of our members biggest challenges: back, neck, shoulder, knee and hip pain. HealthJoy’s MSK is a virtual exercise program in which the member is provided with a personal coach that guides users through a 12 week program to manage and reduce pain.
Check out this flyer to find out more or visit msk.healthjoy.com/start to begin
Are you Transitioning from your Credit Union? Want Guidance to Understand your Options?
Financial and emotional stress due to a major life change, a scary medical diagnosis, or the loss of a loved one can be overwhelming. That’s why MCUL Trust has partnered with FEDlogic to provide state and federal benefit information and advocacy for you and your family. They provide personal guidance on the following:
- Medicare Enrollment
- Social Security Retirement
- Social Security Disability
- Dialysis Medicare (ESRD)
- Survivor Benefits
- Spousal, Ex-spousal, and Minor Child Benefits
- SSI (Supplemental Social Security Income)
- Medicaid, Marketplace & COBRA navigation
Learn more about FedLogic’s story and contact them to find out more about the services they offer.
Got more questions about your federal and state benefits? Tune in to FedLogic’s monthly webinars to learn more.
Mara Rayner
Director of Human Resource Benefits
mara@mcun.coop