MUST is proud to offer a variety of plan designs and benefits to meet our customers’ needs. MUST includes group life insurance and long-term disability insurance with the following group medical plans: the Revised Major Medical Plan (RM), the Comprehensive Major Medical Plan (CM), the High Deductible Health Plan (HDHP), and the Basic Medical Plan (BP).

MUST requires a member group to enroll at least 75% of all eligible employees, excluding eligible employees waiving coverage because they are covered under a spouse’s plan.

Ask Emma

Ask Emma is a virtual benefits support tool for certain groups using the online enrollment system, Bswift.  She’ll ask a few questions to help you figure out the best fit medical plan. Ask Emma walks the employee through a series of screens while offering tips and information about enrolling dependents and selecting benefits.  Some of the screens will ask about health issues and concerns that will help the employee select a plan that best suits their needs based on the answers selected.  Any health questions answered are private and confidential and will not be used for any purpose other than assisting the employee with plan comparison.  Ask Emma can be turned off at any stage of the enrollment process.

Important Note: This is intended to be an easy-to-use reference for members and others interested in MUST health benefits. The Summary Plan Description and other materials specific to your plan supersede this general information with regard to individual participants’ eligibility and benefits.