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WELCOME TO THE FIRST RESPONDERS VEBA TRUST
HEALTH BENEFIT ENROLLMENT SITE

First Responders put their lives on the line every day to protect and serve our communities. To recognize your dedication and commitment, the First Responders VEBA Trust was established to provide First Responders in the Public Sector, including Police, Fire, Paramedics, and Emergency Medical Technicians, with quality health and welfare benefits prior to Medicare eligibility. This site provides general plan information, with links to detailed benefit summaries, and enables you to enroll in program benefits.

Why Enroll?

  • Competitive Group Rates – Available exclusively to First Responders
  • Nationwide Provider Networks – Access to thousands of providers across the country
  • Coverage for You and Your Family – Flexible options to align with your lifestyle needs
  • Easy Enrollment – Simple and secure enrollment either online, over the phone, or by physical enrollment form
Take control of your health with benefits designed for your needs — and your budget.


The First Responders VEBA Trust offers Health and Vision benefits to eligible retirees and their families. Take a few minutes to review plan information including plan coverages, monthly premium rates, copays, annual deductibles and coinsurance (out of pocket) to determine which plan option best meets your needs. Plan eligibility and enrollment requirements are provided below to assist as you evaluate your coverage selections.

The Enrollment Center is available to assist with general inquiries and enrollment processing Monday – Friday from 9:00am – 5:00pm EST (Excluding Holidays).


PLAN INFORMATION

With five (5) options to choose from, each available plan provides eligible retirees and dependents with:

  • Nationwide coverage across the United States
  • A broad national network of physicians and ancillary providers to support convenient access and cost savings on covered services
  • Care Navigation support to help Members navigate the complex healthcare system and optimize plan benefits
  • 24/7 Unlimited Telehealth access to qualified Primary Care and Behavioral Health professionals...for a $0 copay
  • Vision Benefits included in each plan.

PLAN ELIGIBILITY

Eligible Members are pre-Medicare Retirees of the Public Sector, First Responders, Police, Fire, Paramedics, Emergency Medical Technicians, and affiliated services groups. Eligible Members must be under age 65 and include:

  • Retiree Member – First Responder, Police, Fire, Emergency and Public Sector industry retirees
  • Spouse Member – The spouse, surviving spouse, and/or ex-spouse of a current, disabled, or deceased Retiree Member
  • Dependent Child(ren) – A natural born child, stepchild, adopted child, or grandchild of any age claimed as a dependent on the Retiree Member’s or Spouse Members’s federal tax return.

Qualified Spouse Members may enroll in the Plan as otherwise allowed, regardless of whether the eligible Retiree Member is enrolled, and may make enrollment elections independent from those of the Retiree Member. Eligible minor Dependent Child(ren) must be enrolled as a covered dependent of either a Retiree Member or a Spouse Member.

(*Note: Plan eligibility for qualified same-sex Domestic Partners is provided on the same basis as for Spouse Members.)



SUMMARY† OF MEDICAL BENEFIT PLAN OPTIONS

First Responders 2025 Benefit Enrollment Guide (PDF)      SIDE BY SIDE PLAN COMPARISON (PDF)

Basic Plan Summary (PDF)

Basic Plan

Member $802.40
Member + Spouse $1,369.94
Member + Child $1,320.51
Family $1,908.20
Deductible $5,000
Coinsurance NA
Out of Pocket Maximum $5,000
Primary Care $15 Copay
Urgent Care $50 Copay
Inpatient Hospital Services 100% after ded.
Outpatient 100% after ded.
Emergency Room $1,000 Copay
Generic Prescription Drugs $5 Copay
Preferred Brand Drugs Not Covered
Non-Preferred Brand Drugs Not Covered

Plus Plan Summary (PDF)

Plus Plan

Member $948.88
Member + Spouse $1,685.78
Member + Child $1,577.76
Family $2,281.71
Deductible $1,200
Coinsurance 80%
Out of Pocket Maximum $6,000
Primary Care $35 Copay
Urgent Care $40 Copay
Inpatient Hospital Services 80% after ded.
Outpatient 80% after ded.
Emergency Room $500 Copay
Generic Prescription Drugs $5 after ded.
Preferred Brand Drugs 80%
Non-Preferred Brand Drugs 70% after ded.

Bronze Plan Summary (PDF)

Bronze Plan

Member $1,136.30
Member + Spouse $2,162.46
Member + Child $2,180.46
Family $3,102.74
Deductible $2,000
Coinsurance 80%
Out of Pocket Maximum $3,000
Primary Care 80% after ded.
Urgent Care 80% after ded.
Inpatient Hospital Services 80% after ded.
Outpatient 80% after ded.
Emergency Room 80% after ded.
Generic Prescription Drugs $15 after ded.
Preferred Brand Drugs $50 after ded.
Non-Preferred Brand Drugs $70 after ded.

Ultra Plan Summary (PDF)

Ultra Plan

Member $1,178.93
Member + Spouse $2,011.03
Member + Child $1,966.18
Family $2,843.13
Deductible $500
Coinsurance 80%
Out of Pocket Maximum $4,500
Primary Care $25 Copay
Urgent Care $40 Copay
Inpatient Hospital Services 80% after ded.
Outpatient 80% after ded.
Emergency Room $500 Copay
Generic Prescription Drugs $5 Copay
Preferred Brand Drugs 80%
Non-Preferred Brand Drugs 70% after ded.

Silver Plan Summary (PDF)

Silver Plan

Member $1,429.77
Member + Spouse $2,765.80
Member + Child $2,765.80
Family $3,979.94
Deductible $500
Coinsurance 80%
Out of Pocket Maximum $2,000
Primary Care $20 Copay
Urgent Care $20 Copay
Inpatient Hospital Services 80% after ded.
Outpatient 800% after ded.
Emergency Room $150 Copay
Prescription Non-Preventive $10 Copay
Prescription Preferred $40 Copay
Prescription Non-Preferred $80 Copay

†See Plan Summary for more detailed benefit illustration, including limitations and exclusions, for each plan option

Choose from three simple ways to enroll

Click here to
enroll online
Call the Enrollment Center
to enroll over the phone
(774) 737-7663
Click here to download a
fillable Enrollment Form

Questions? Call us at (774) 737-7663 and let us help

FREQUENTLY ASKED QUESTIONS

FAQ
The Health Benefit Alliance (HBA) is a health benefit solutions firm specializing in health plan design and service provider curation to deliver efficient, cost-effective health benefit plan options for Plan Sponsors of all sizes.
Reflect Health is the Service Center behind the First Responders VEBA health plans and provides efficient claims administration and Member call center support, coordinates Care Navigation and preauthorization requests, and performs other important tasks critical to the smooth operation of the First Responders VEBA program.
The First Responders VEBA health plans include access to Primary Care and Specialist physicians in the PHCS for Value Driven Health Plans (VDHP) network.  A national Preferred Provider (PPO) network consisting of nearly 990,000 practitioners and 78,000 ancillary providers, PHCS for VDHP is the largest independent, NCQA (National Committee for Quality Assurance) accredited network in the U.S. You can search In-Network providers online at https://portal.hstechnology.com/PHCS.
Provide the Care Navigation team contact information from your Plan ID card and ask that the doctor’s office call directly to verify coverage.
The First Responders VEBA health plans use an open network for hospital services, including emergency room care, whereby every hospital facility is eligible to deliver services to Members and their covered dependents.  Claims for covered services for facility care are processed using Reference Based Pricing (RBP) and reimbursed by the Plan at a fair and reasonable level above what Medicare would pay for the same service.
A specially trained team of Care Guides will help Members navigate today’s complex healthcare delivery system, clarifying available options and simplifying choices along the way.  Members are encouraged to contact the Care Navigation Team prior to scheduling:
  • Hospital Services
  • Outpatient Surgery
  • Diagnostic Testing and Imaging
  • Specialist Care
The Care Guide and Member will review the plan’s coverage levels, resources, and limits to help optimize plan benefits, avoid claim complications, and minimize out-of-pocket exposure.
When engaging the Care Navigation team to review available options prior to scheduling non-emergency hospital or surgical services, diagnostic testing and imaging, or specialist care, Members will be presented with at least one option that involves facilities that accept reimbursement on behalf of the First Responders VEBA plan for which the plan’s Patient Liability Protection (PLP) feature will apply for covered services.  So long as the Member adheres to the plan’s preauthorization rules and Care Navigation guidance, they will not be responsible for a balance bill for charges related to those covered services.

Contact Us Today to Learn More About These Plans

Email ASKFirst@HBAAdministrators.com
Call (774) 737-7663
First Responders VEBA Trust

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