What are the opening hours?

Monday 8:15am - 4:30pm Tuesday 8:15am - 4:30pm Wednesday 8:15am - 4:30pm Thursday 8:15am - 4:30pm Friday 8:15am - 4:30pm

Association Member Trust

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United States
Short Hills, NJ
Association Member Trust

A unique self-funded not-for-profit health benefit plan. Providing group coverage to company members of 17 associations in NJ. More Options. More Health.

Association Member Trust (AMT) is a unique not-for-profit multi-association benefits trust formed to serve the group benefit needs of participating association employer members. AMT was formed in 1979 and was the successor to the New Jersey Fuel Merchants Association Insurance Trust, originally established in 1945. Today, AMT offers self-funded health and dental benefits programs, combining employer units from fifteen independent trade associations to maximize claim stability, administrative efficiency, cost savings and a full menu of comprehensive benefits. AMT operates in accordance with the NJ MEWA law and is registered with the NJ Department of Banking and Insurance. Even though AMT's Health and Dental Benefit plans are self-funded, aggregate and specific stop loss protection for health claims is provided by Horizon Blue Cross Blue Shield of New Jersey to limit loss exposure. Horizon also provides AMT with medical claims processing and managed care services, as well as member access to the Horizon provider networks. The Delta Dental Plan of New Jersey provides AMT with dental claims processing services as well as member access to their dental provider networks. AMT holds monies in reserve to fund incurred but not reported claims as calculated by an independent actuary. Additionally, the AMT Trustees intend to maintain a level of plan equity that satisfies New Jersey's Risk-Based Capital requirements for self funded multiple employer welfare arrangements. The Unicare Life and Health Insurance Company provides AMT employers with group Life and AD&D coverage options that are fully insured. AMT Trust Board of Trustees is composed of representatives from each of the independent trade association’s Sub-Trusts. Currently, seventeen trustees, representing participating sub-association groups according to formula, manage AMT. They are a working board, meeting quarterly, and their decisions are binding and final on all parties within the parameters allowed by federal and state laws, codes, regulations and court rulings. AMT staff performs much of the plan's administration requirements on behalf of its members. The current staff of 19 employees includes claim inquiry representatives with direct computer access into Horizon and Delta Dental computer systems, enrollment and customer service representatives, billing and account reconciliation specialists. AMT also has a fully qualified staff of marketing and service representatives to assist employer members and their employees in selecting the right coverage to satisfy their particular needs.

12/11/2025

When was the last time you checked your blood pressure? High blood pressure can lead to serious health risks, like stroke and heart disease. Here are five ways to help lower your blood pressure.

12/09/2025

The holidays are approaching, which means tasty treats and the chance of indulging. It's ok to have a treat every now and again, but do your best not to overdo it. What's your favorite holiday treat?

12/04/2025

Reminder, open enrollment ends on December 15th. If you are interested in making a change to your benefits, please contact our office at 973-379-1090.

12/02/2025

While the holidays can be a joyous time of year, for some, it's the opposite. If you're struggling with your mental health this holiday season, please talk to someone. If you know someone is going through a tough time this year, invite them to your holiday gathering. A small gesture goes a long way. Our mental health is just as important as our physical health.

11/26/2025

Our office will be closed on Thursday, November 27th, and Friday, November 28th, in honor of Thanksgiving. Our normal business hours will resume, Monday, December 1st. We hope you enjoy the holiday!

11/25/2025

With Thanksgiving being this Thursday, this week we'd like to remind you not to overeat. As tempting as it is with all the delicious food being served, we recommend small portions. To avoid overeating, a smaller plate may be helpful.

11/20/2025

2026 is fast approaching, which means changes to HSA contribution limits. To learn more, visit:

Find out what the new limits are for health savings accounts and high-deductible health plans in 2026.

11/18/2025

November is Diabetes Awareness Month. Some individuals have mild symptoms of diabetes, which can go unnoticed. It's important to see your doctor annually and review your bloodwork. To learn more about diabetes, visit: https://bit.ly/4qpdmGE

11/15/2025

Open enrollment starts today! You have up to December 15th to make any changes to your benefits. Please give us a call at 973-379-1090 to discuss your plan.

11/13/2025

Many individuals underestimate their hydration needs during winter, leading to potential health issues. Explore these 5 common hydration myths to enhance your understanding and ensure you stay healthy and productive:

11/11/2025

One bad moment doesn't mean it's a bad day or a bad life. It's essential to look for the good in your life, even on the worst of days. Practice writing down what you're grateful for each day. This will help with creating a better mindset and improving mental health.

11/06/2025

Are you looking to change your plan? Open enrollment starts November 15th. Please contact our office at 973-379-1090 to talk with one of our account executives to discuss which plan is best for you.

Address

636 Morris Turnpike, Suite 2A
Short Hills, NJ
07078

Opening Hours

Monday	8:15am - 4:30pm
Tuesday	8:15am - 4:30pm
Wednesday	8:15am - 4:30pm
Thursday	8:15am - 4:30pm
Friday	8:15am - 4:30pm

Telephone

973-379-1090

Website

https://www.amt-nj.com/

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