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Self-Funded Medical and Dental Services

Association Member Trust provides self-funded medical and dental services to our participants. We use the services of Delta Dental of New Jersey and Horizon Blue Cross Blue Shield, which provide claims administration and access to provider networks.

Below you will find the medical, dental and life insurance plans available to our participating members. Please contact us at (973) 379-1090 with any questions or to request a quote.

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Horizon Blue Cross Blue Shield of New Jersey one of the largest provider networks in New Jersey, provides Association Member Trust (AMT) Health Plan participants access to Horizon’s PPO and Direct Access Networks. The Direct Access network contracts with approximately 22,000 providers in New Jersey while the PPO network includes approximately 25,000 providers.

Association Member Trust also participates in the national Blue Cross Blue Shield BlueCard Program. BlueCard covers our participants from coast to coast with over 600,000 physicians and 6,000 hospitals participating in the national network of Blue Cross Blue Shield plans.

Horizon Horizon Blue Cross Blue Shield of New Jersey's mission is to make health care work by improving the health care experience for our members and the communities they serve.

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Association Member Trust uses the services of Delta Dental to administer its dental plans. The Delta Dental Plan of New Jersey offers one of the largest Dental provider networks in New Jersey, providing Association Member Trust Dental Plan participants access to Delta’s Premier and Preferred Networks.

Delta Dental of New Jersey, first started offering dental programs in 1969. 50 years later, Delta Dental of New Jersey now provides or administers dental coverage to more than 1.7 million people in New Jersey and Connecticut. Delta Dental of New Jersey is a member of the national Delta Dental Plans Association which provides national dental coverage to more than 75 million people in more than 139,000 groups.

Delta Dental of New Jersey's mission is to promote oral health to the greatest number of people by providing accessible dental benefit programs of the highest quality, service, and value.

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Association Member Trust also offers group term life insurance plans to participating employees through the UniCare Life and Health Insurance Company.

The Group Life/Accidental Death & Dismemberment program is underwritten by the UniCare Life & Health Insurance Company.

Please call Association Member Trust at (973) 379-1090 for further plan information or to request a quote.

Group Term Life/Accidental Death & Dismemberment

Term Life/Accidental Death & Dismemberment insurance protection is an ideal benefit for you and your employees. Life Insurance helps protect your family's financial future. It's economical, convenient and EASY TO APPLY FOR!!!


The full amount of this insurance is payable to your named beneficiary in the event of your death anywhere in the world, from any cause, regardless of any other insurance you may have at the time.


The full amount of this insurance is payable to your beneficiary in addition to the Life Insurance if the death is caused by accidental means. In addition, cash benefits are payable in the event of accidental loss of limb or eyesight.


All Firms

  • A flat amount for all full time employees $15,000, $20,000 or $50,000
  • One (1) times each full time employee's salary rounded to the next higher $1,000 to a maximum of $50,000

Firm with ten lives or more

  • One and a half times each full time employee's salary rounded to the next higher $1,000 to a maximum of $75,000
  • Two times each employee's salary rounded to the next higher $1,000 to a maximum of $100,000

Note: All amounts are subject to reduction starting at age 65
Age 65 reduces 35%; age 70 reduces 50%; age 75 flat $2,000; retiree's flat $1,000. Coverage amounts of $50,000 or more are subject to underwriting approval.

This information is intended to provide a brief description of the benefits and limitations of the plan. For complete information, please refer to the plan document. In the event of a conflict between the information contained on this benefit description and the plan document, the plan document will prevail.


Association Member Trust uses Prime Therapeutics as its pharmacy benefit manager. Prime manages coverage for medicine to health insurers, employers, seniors on Medicare, and individuals. Prime Therapeutics purpose is to help people get the medicine they need to feel better and live well.

Formed in 1998 by two Blue Cross and Blue Shield plans, Prime Therapeutics has grown steadily and now partners with 18 Blue Plan owner clients. This unique ownership structure makes it possible for us to remain absolutely committed to the health of the members we serve.

By registering with MyPrime, members have access to medicine and pharmacy information, prescription history and more.

Visit for more information and to access your account.

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Our 24/7 Nurse Line is available to help you get the health answers and advice you need. You can call or chat about any health symptom, illness or health concern. The 24/7 Live Nurse Chat is a fast, easy way to get answers to your health questions.

To access a nurse, please call 1-888-624-3096.

Coping with health concerns can be time-consuming and complex. With so many choices, it can be hard to know where to look for trusted information and support. The 24/7 Nurse Line can give you peace of mind with:

  • Immediate answers to your health questions any time, from anywhere – 24 hours a day.
  • Access to caring, registered nurses who have an average of 15 years of clinical experience.
  • Trusted, physician-approved information to guide your health care decisions.

When you call, a registered nurse can help you:

  • Choose appropriate medical care.
    • Understand a wide range of symptoms.
    • Determine if the Emergency Room, a doctor visit or self-care is right for your needs.
  • Understand treatment options.
    • Learn more about a diagnosis.
    • Explore the risks, benefits and possible outcomes of your treatment options.
  • Achieve a healthy lifestyle.
    • Get tips on how nutrition and exercise can help you maintain a healthy weight.
    • Learn about important health screenings and immunizations.
  • Ask medication questions.
    • Explore how to save money on prescriptions.
    • Learn how to take medication safely and avoid interactions.

Call the 24/7 Nurse Line any time for health information and support – all at no cost to you.

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Telemedicine: 1-877-716-5657

You can get a consult with a board-certified doctor via phone, chat or video, 24 hours a day, seven days a week, via mobile device, laptop or tablet.

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As a member of Association Member Trust enrolled in a qualifying health plan, you'll have access to Horizon Blue Cross Blue Shield of New Jersey's online resources. Horizon offers tools and services to help you find a doctor, lookup laboratory facilities, get convenient care online and access your Member ID and related health information.

Sign in to Horizon's website to securely access your health plan information, as well as personalized health and wellness tools that can help you get the most out of your plan.

Also, for quick and easy access to your ID card and health information on the go, Horizon Blue offers thier Horizon Blue App. You can find more information on the app and how to get it on Horizons website, by following the link here:

Horizon Blue App

With AMT, you can expect more.

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