New Advantage Health Plans Trust Customers
Find the Health Plan for Your Bank
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Explore the Difference Independence Makes
As an independent community bank, you understand the value of autonomy and freedom in the way your organization operates. Those are the same values that led to the creation of Advantage Health Plans Trust (AHPT). We are a self-funded, multiple employer health plan, comprising community banks across Oklahoma, Texas and beyond.
Our plans are tailored to the needs of our employees and their families, with zero outside interests and no profits to be made. There is no insurance company behind our logo; it is community bankers, just like you, and The Kempton Company who is hired to manage the day-to-day operations of the Trust. AHPT is governed by a board of trustees from our own banks. Our interests are your interests.
For employees and plan users, AHPT feels very similar to a traditional plan from a large carrier. But, in fact, it is very different in some important and beneficial ways.
Advantage Health Plans Trust
- Not-For-Profit
- Governed by Your Elected Trustees
- Owned by You
- Plans Designed for Your Needs
- You Impact Plan Designs
- Focused on Reducing Costs
- Savings Stay in Trust Pool
- Customer Satisfaction is Crucial
- Guards Against Healthcare Market Volatility
- Exclusively For Banks & Financial Institutions
Large Carrier Plans
(United, Aetna, Blue Cross, Etc.)
- For-Profit
- Run According to Company’s Interests
- Owned by Shareholders
- Plans Designed to Maximize Profits
- No Say in Plan Changes
- Benefits from Ever-Increasing Costs
- Savings Become Profits
- Customer Satisfaction Doesn’t Matter
- Benefits From Healthcare Market Volatility
Happy Advantage Health Plans Trust Members
Real, Live, Human Customer Service
Advantage Health Plans Trust is administered right here in Oklahoma City by The Kempton Company, a third-party administrator with nearly 50 years of experience in the insurance industry.
Whether you need help with medical, dental, vision or any other plans – including HIPAA and COBRA administration – there’s just one number to call, with a real, live, local human on the other end, not endless phone trees and runarounds. We’re people who are passionate about revolutionizing insurance and healthcare, so we‘re determined to help you get the most for your healthcare dollar.
About Us
AHPT is unlike most other health plans out there. It is run by and for community banks, and advised and administered by The Kempton Company – third-party administrator known for facing healthcare dysfunction head-on.
Request a Consultation
Interested in what kind of healthcare solution we can put together for your bank’s employees? Let’s talk.
Medical
Designing and administering the best possible medical plan – tailored to your employees’ needs – is what we’ve prided ourselves on for nearly 50 years.
Advantage Health Plans Trust and The Kempton Company have worked together since 1977 to operate plans that offer the best providers, premiere coverage, reduced costs, and retention of all savings within the plan for future needs.
At Advantage Health Plans Trust, we don’t just have a one-size-fits all solution. We custom-fit a plan for who you are and what you want from your coverage, so it’s best for us to discuss what that means for you. We promise no high-pressure sales pitches, and you’ll talk to a local health plan expert – not a salesman.
Request a Consultation
Interested in what kind of medical plan we can put together for your bank’s employees? Let’s talk.
Vision
AHPT’s vision program is offered through VSP. To find a VSP vision doctor or provider, click here.
AHPT Vision Plan Highlights
$10 Copay on Annual Vision Exams
Included* with Prescription:
- Frames
- Lenses
- Contacts
Extra Savings:
-
Sunglasses
-
Retinal Screening
-
Laser Vision Correction
*Allowance limits apply
See What we Can Do
Interested in what kind of vision plan we can put together for your bank’s employees? Let’s talk.
Dental
With AHPT’s dental program, you pick a dentist of your choice. No more searching for participating providers. And preventive care is paid at 100% of scheduled amounts!
AHPT Dental Plan Highlights
- Choose any Dentist
- 100% Preventive Care Coverage
- 2 Preventive Visits per Year
- $50 Deductible (waived for preventive services)
- Basic Restorative Paid at 80%
Something to Smile About
Interested in what kind of dental plan we can put together for your bank’s employees? Let’s talk.
Disability
Disability can affect anyone.
A 40-year-old person has nearly a 40% chance of experiencing a long-term disability (out of work for three months or longer) before they reach age 65. Such a disability isn’t only devastating to a person’s personal health – without disability insurance, it can be disastrous for their finances, their family and their life as a whole.
Don’t leave it to chance.
AHPT’s long- and short-term disability programs can give your employees peace of mind, regardless of what catastrophic events life might throw at them.
Be Prepared
Interested in disability plans for your bank’s employees? Let’s talk.
Life Insurance
Voluntary life, accidental death and dismemberment and basic dependent life insurance
Voluntary Life
AHPT voluntary life insurance is there to take care of your family should the worst happen. Although we hope it never becomes necessary, this insurance helps your family make the best of a bad situation – when you can’t be there to help.
- Convenient: Payroll Deduction
- Flexible: Additional Group Insurance Available
- Affordable: Starting at Less than $1/mo.
Accidental Death and Dismemberment
Nobody expects an accident, but they do occur. A highway crash, a fall in the home, an accident while traveling. We can’t predict, but we can protect. With high-limit accidental death and dismemberment insurance, we can increase your employees’ overall insurance protection to cover them 24 hours a day, on or off the job, at a price you can afford. Don’t live with a constant threat to your future earning ability and financial security.
Basic Dependent Life
How often do you consider life insurance coverage for your family members? It is something that we always intend to do tomorrow, but sometimes “tomorrow” never comes. AHPT members can purchase this peace of mind for their dependent family members starting at just $2 per month.
Life Insurance Consultation
Let’s tailor a life insurance plan to the needs of your bank’s employees.
Contact Us
The Kempton Company is here to help with all of your Advantage Health Plans Trust needs. Don’t hesitate to reach out!