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HBT is a not-for-profit health and welfare trust that provides group health and welfare benefits on behalf of participating employers for nearly 265,000 eligible employees, their eligible dependents, and beneficiaries employed in health care and social services in British Columbia. The primary benefits provided by HBT are Group Life, Accidental Death & Dismemberment (AD&D), Weekly Indemnity, Long Term Disability (LTD), Extended Health, and Dental. HBT ensures these benefits are administered in accordance with provisions and plan design negotiated by HEABC, CSSEA, and single-site collective agreements.
Cox PLLC exists to serve you and your company. We are litigators, counselors and trial attorneys. Our clients hire us to aggressively preserve or grow equity, eliminate risk and resolve disputes. We are available anytime and anywhere.
ParetoHealth is a healthcare benefits solutions provider focused on midsize employers with 50 to 1,000 employees. The company aims to reduce healthcare cost volatility and improve financial outcomes through innovative self-insurance models. It has established itself as the largest health benefits captive in the U.S., managing over $6.6 billion in healthcare spending and serving more than 3,000 employers, which collectively cover over 1 million lives. The company offers a range of services, including its Risk Shield program, which provides a shared-risk model for predictable costs and stop-loss protection against large claims. Its Savings Engine utilizes data analytics and clinical expertise to manage medical costs and improve pharmacy solutions through the ParetoHealth Pharmacy Consortium. By pooling employers into a single risk pool, ParetoHealth enhances negotiating leverage and risk stabilization, allowing midsize businesses access to cost-saving tools typically available to larger corporations.