Your Coverage, Your Wellness
Whether you are a pre-65 retired responder or a union leader exploring ERISA coverage for active duty members, BTLMT provides a purpose-built path for America's organized and represented emergency responders.
The Board of Trustees adopts and may adjust the benefit program in accordance with the Trust Agreement. Covered services, cost sharing, and exclusions are fully described in your SPD and Summary of Benefits and Coverage (SBC).
Active Employee Medical
Comprehensive group health coverage for eligible active employees of participating organizations and their enrolled dependents.
Pre-65 Retiree Medical
Continued medical coverage for eligible retirees under age 65 and their dependents, bridging the gap to Medicare.
Prescription Drug Benefit
Pharmacy coverage for enrolled participants. See the SPD and pharmacy benefit summary for formulary and cost-sharing details.
Mental Health Coaching
Confidential coaching focused on stress, resilience, and recovery — tailored to the demands of emergency response work.
Financial Wellness
Educational guidance on budgeting and retirement readiness. Not individual investment advice.
Employee Wellness
WellWorks programming designed to support the physical health of active emergency response personnel.
Workplace & Grievance Representation
Legal representation for circumstances that emergency responders may uniquely encounter in the course of their normal, day-to-day employment and public service.
Virtual Pet Care
Access to virtual veterinary consultations. Provided on the terms described in program materials — not a participant health benefit.
Claims & Appeals
Your Right to a Full and Fair Review
ERISA guarantees every participant the right to a full and fair review of any denied claim. The complete procedures and deadlines are in your SPD. Here is the process at a glance.
Network providers generally file on your behalf. Other claims are submitted on the claim form within the timeframe stated in your SPD.
Any denial is explained in writing, including the specific reason and the Plan provision relied upon.
You have 180 days from receipt of a denial to file a written appeal. You may submit comments, documents, and request copies of relevant records free of charge.
The Board or its appeals committee decides appeals within ERISA's required timeframes. Certain medical claims may then be eligible for independent external review.
The Board of Trustees has discretionary authority to interpret the Plan. Statements by union representatives, employers, or vendors do not change Plan terms.