Here are four reasons.


We offer self-funded health and dental benefits programs. Self-funding has many benefits over traditional insurance plans. It provides greater plan flexibility, allowing employers to better meet the needs of their employees. It tends to be less expensive, and it gives you more opportunities to identify savings and fine-tune your plan.

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When claims are lower than projected, we even pay dividends.


Our members have access to one of New Jersey’s, and the nation’s, largest provider networks. Additionally, our partnerships with Delta Dental and Unicare Life and Health Insurance Company ensure that members have access to a robust portfolio of dental and life insurance options.

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We help our members select the right coverage for their needs and help with any billing or claims issues.

With AMT, you can expect more.

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