Services we offer

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HPOU Member Medical Reimbursement

If you are a Houston police officer who is a member of the Houston Police Officers’ Union and Houston Police Benefit Trust, you already receive free medical reimbursement and accident disability insurance as part of your membership benefits. Find out what coverage you have by downloading the brochure below.

Download Brochure

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Contract Benefits

If you are a Houston police officer, you receive accident disability insurance, line of duty gunshot coverage, and accidental death coverage, according to the current bargaining agreement. Find out what coverage you have by downloading the brochure below. *Please note these benefits are subject to change with each contract negotiation.*

Download Brochure

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Disability

Both plans include:

  • 24-hour coverage both on and off the job!
  • Seven-day elimination period
  • Accidental Death Benefit
  • $1,000 Gun Shot Rider
  • Light Duty Benefit**

**Premiums for Houston officers based on current employment contract and subsidized in part by the city of Houston.

Download the Brochure

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Medical Supplement Plus

If you are an active or retired Houston police officer who is a member of the Houston Police Officers’ Union and Houston Police Benefit Trust, you’re eligible for our Medical Supplement. Find out what coverage you have by downloading the brochure below.

Active Officers

Retired Officers

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Accident

We created an Accident plan with Combined Insurance to meet the need for Accident coverage for police officers. The Combined Accident Champion, Diamond or Platinum, includes on-the-job and off-the-job coverage.

Click Here to Download the Brochure

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Illness

Our Critical Illness Champion through Combined Insurance can help you make up for lost income if you’ve been diagnosed with a critical illness and can’t work during recovery.

Click Here to Download the Brochure

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Life

Lifetime Benefit Term Champion

Our Lifetime Benefit Term Champion through Combined Insurance is more than just a plan to help your family cover your final expenses. You can use your benefits to cover certain medical expenses while you are living.

Click Here to Download the Brochure

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Life

Group Term Life

We offer Group Term Life insurance through MetLife as part of the First Responders Benefit Trust group life plan. This plan includes an Accidental Death and Dismemberment (AD&D) benefit which pays up to the same amount you are insured.

Click Here to Download the Brochure

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Dental

Choose the dentist you want to go to with the Dental Indemnity (PPO) plan. Pick from MetLife’s network of dental providers with the DHMO (Dental Health Maintenance) plan. Preventative maintenance covered twice a year.

DENTAL BENEFITS

Managed Care (DMO) Indemnity
Member Only $14.48 $36.98
Member + 1 $26.58 $78.68
Family $32.63 $107.74

 

Indemnity summary of benefits

DHMO FIND A DENTIST

DHMO schedule of benefits

 

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Vision

Our Vision plan is offered by Ameritas. It is a full coverage vision plan, with yearly eye exams and yearly glasses and contacts allowances.

Member Only $8.12
Member + 1 $16.34
Family $23.84

Click Here to Download the Brochure

contact

1600 State Street
Houston, Texas 77007

832-200-3410
832-200-3470
info@policetrust.com