Health Insurance


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The implementation of Vermont Health Connect (VHC) as of January 1, 2014 brought many changes to health insurance in Vermont, including the fact that most of the municipalities that used to offer major medical insurance to their employees through the VLCT Health Trust now must arrange for VHC-approved coverage directly with either BlueCross/BlueShield of Vermont or MVP. Nonetheless, VLCT staff members remain very knowledgable about the health insurance field, and we continue to serve and strengthen Vermont local governments with our consultation and information services. Any VLCT member group is welcome to call for help in understanding health insurance coverage or funding as well as Medicaid and related topics. If we can't answer your questions ourselves, we can help put you on the right track.

For 2016, Vermont municipalities with more than 100 employees who are eligible for health insurance ("large groups") can purchase major medical insurance through the VERB Trust and receive access to VLCT's on-site health screenings and flu shot clinics. Because these groups should conduct all of their enrollment activities and other paperwork directly with their carrier, we no longer post carriers' forms on our website.

Whether for large group insurance or smaller group assistance, please call 1-800-649-7915 and speak with Larry Smith, Manager, Member Relations (or email him at, or Kelley Avery, Health Benefit Programs Administrator (or email her at

Cost Information for 2016 VHC Plans


  • Blue Cross/Blue Shield of Vermont Customer Service: 1-800-247-2583
  • BlueCross/BlueShield of Vermont: general website (off-site link)
    Provides access to Large or Small Business pages. Individuals can find forms, benefit summaries, provider network look-up, list of services requiring prior approval, and more. Covered individuals can set up an online registration to gain access to account information and claims status, change their address or primary care physician, and much more.
  • BlueCross/BlueShield of Vermont: Contact Us webpage (off-site link)

  • MVP Customer Care Center: call the number on the back of your membership card or 1-888-687-6277
  • MVP: general website (off-site link)
    Provides access Employer Login. Includes information and tools for individuals to pursue wellness, find a doctor or facility, learn about plans and prescription coverage, and much more.
  • MVP: Manage Your Account website (off-site link)
    Covered individuals can access MVP’s wellness benefits, check their claims status and cost history, change or add a primary doctor, order ID cards, and more.

  • Cigna Customer Service: 1-800-244-6224 (1-800-Cigna24)
  • Cigna: general website (off-site link)
    Includes a Provider Directory for looking up in-network doctors and facilities by ZIP code.
  • Cigna: employer portal (off-site link)
    Information, tools, and resources for benefits managers.
  • (off-site link)
    Covered individuals can conveniently view the status of their claims and deductibles, search for health information, and take their personal health risk assessment.

  • Request Information (on-line form)
    Please fill out this How Can We Help You Form for more information about our health insurance programs.