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Malone, Terry & McDannald (MT&M) was created in January 2015 and is run today by longtime business associates Jim Malone and Chuck Terry. Jim and Chuck have more than 50 years’ experience providing Health Insurance and benefit coverage to Individuals and Groups in Tennessee. The two have also served above and beyond as officers and board members for numerous Insurance organizations and Professional associations. This experience has shown them firsthand the tremendous value a quality healthcare program can bring to an associations membership.

MT&M having consulted with many members of the HBAT and other associations over the years routinely heard the same message, “We need a healthcare plan”! They relentlessly tried to find carrier based options to meet this need but continually found little to no answers, due to the drastic change in the healthcare landscape. They became resigned, that in todays consolidated and restricted insurance world the ability for associations to meet the healthcare needs of their memberships had become near impossible. Then in January 2017, they were introduced to an administrative company that could guide HBAT in establishing their own self funded health plans.

This administration utilizes the Multiple Employer Welfare Arrangement; which is a not-for-profit, financially transparent
self-funded model. All plans built by HBATBT are fully regulated, comply with Federal requirements and are approved by the Department of Insurance in each state they operate.

Jim and Chuck after months of exhaustive due diligence, decided this was the answer for the Home Builders Association of Tennessee (HBAT). The result is the HBAT Benefits Trust, only the third healthcare program of its kind in the State of Tennessee since 1999. The HBAT Benefits Trust has been built exclusive for the members of the Home Builders Association of Tennessee as a long-term solution to members healthcare needs.

MT&M is a proud HBAT member and excited to be tasked with marketing and selling the HBAT Benefits Trust. Thank you!

® 2017 • All rights reserved