The Minnesota State Bar Association (MSBA) is committed to the highest standards of excellence and inclusion within the legal profession and strives to provide valued resources to its members. Now, thanks to the collaboration among MSBA, Medica and the administration of Mercer, you now have the opportunity to provide more affordable health care to your firm. Firms employing at least two full-time, W-2 individuals (not from the same family) are eligible.
This Association Health Plan (AHP) offers MSBA member employers the ability to take greater control over their health care costs while improving the health care solutions for their employees. This exclusive, member-only offering allows you to select among six plan designs and eight provider networks, including six Accountable Care Organizations (ACOs) throughout Minnesota.
Additionally, the plan offers an online enrollment and HR administration portal that provides an enrollment and administration experience typically only available to larger employers. Along with this ease of plan administration and enrollment, there is a dedicated customer service team to support you and your employees along the way ultimately reducing your overall administrative costs associated with providing health insurance.
ALREADY OFFER COVERAGE? THESE PLANS MAY SAVE YOU ON YOUR HEALTH CARE PREMIUMS
Our web-based onboarding process will provide the information most important to your firm, such as which benefits are available, your cost, and how to roll out benefits to your firm.
Using the onboarding solution, you can:
Once you have signed up, our technology-based enrollment system will provide a streamlined, easy-to-use shopping experience for your employees. Eligible employees will receive an email notifying them that it is time to go online and enroll in coverage. They will be able to review the plan(s) you chose for your firm and select their plan for the upcoming plan year. In addition to clearly explaining the benefits available, the site provides guided shopping tools to help individuals select the most appropriate plans and benefits to fit their family needs. The online enrollment system also allows you to easily manage eligibility including adding newly eligible employees and terminating employees’ coverage as needed. In addition, a dedicated customer support staff is available to assist both you and your employees with their enrollment and ongoing administrative questions.
What is an AHP?
Who is eligible?
Are there any specific plan rules you should know?
|Plan||Waiting Period New Hire||Coverage Effective Date New Hire||Coverage Termination|
|Medical||30 days||1st of month following||Last Day of the Month of Termination|
Participation requirements: At least 75% of eligible employees who are not enrolled in another health plan and a minimum of 50% of the total number of eligible employees (regardless of waivers) must participate in this plan.
Example 1: Law firm has 20 total employees. 15 of their 20 employees have valid waivers through their coverage elsewhere. This firm would not meet the participation requirements as they would need at least 10 of the 20 enrolling to meet the 50% of total eligible employee requirement.
Example 2: Law firm has 20 total employees. 6 of their 20 employees have valid waivers through coverage elsewhere. 10 employees are intending to enroll. This company would not be eligible to participate as their enrollment is 71% after valid waivers (10 out of 14) not meeting the 75% requirement.
Example 3: Law firm has 20 total employees. 8 of their 20 employees have valid waivers through coverage elsewhere. 12 employees are intending to enroll. This company would meet the participation requirements as they have more than 50% of their total eligible enrolling and greater than 75% after valid waivers.
A valid waiver is when an employee waives coverage for one of the following reasons: enrollment in a spouse’s plan, employee has coverage as a dependent on his/her parent’s plan, Medicare or Medicaid eligibility or TRICARE eligibility.
Contribution requirements: An employer must contribute a minimum contribution to all employees equal to 50% of the employee-only cost of the lowest cost plan offered by the employer.
For how long is my quote valid?
How long are my rates guaranteed?
Can I offer this AHP in addition to current coverage?
Do I need to offer all plans or can I choose which ones?
You can elect the plans that make the most sense for your firm. Please note that there are limits on the number of plans/networks you can offer depending on the number of employees enrolled in your plan. The rules are as follows:
Allowed number of plans/networks:
a. 5 or fewer enrolled employees – 1 plan/network
b. 6-20 enrolled employees – up to 6 plans/networks
c. 21-100+ enrolled employees - up to 12 plans/networks
How does an accountable care organization (ACO) work?
What are the advantages of coordinated health care and coverage?
Which networks offer the lowest premium cost?
Can I change my ACO network during the year?
Can I choose a different ACO option for each member of my family?
What if I need to see a provider who is not affiliated with my ACO: are there out-of-network benefits? Can I receive in-network benefits for seeing an out-of-network provider?
What if I have a college student who’s out of the ACO service area or out of the state?
Who will operate the plans?
As a Minnesota based not-for-profit health plan with over 45 years of experience, Medica is proud to be recognized as the trusted health plan of choice to the nearly one million members in throughout Minnesota, Iowa, Kansas, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota and Wisconsin.
Medica has a long-standing history of offering innovative solutions and partnering with providers to deliver cost saving network solutions such as our ACOs. In 2012, Medica was the first health plan in the country to align with a major health care system in the development of an ACO, a first step toward the reengineering of provider collaboration and health care delivery. Today, Medica continues to transform health care delivery through collaboration with leading care systems.
Mercer, a business of Marsh & McLennan (NYSE: MMC), is a global leader in redefining the world of work, reshaping retirement and investment outcomes, and unlocking real health and well-being. The MSBA and Mercer have partnered for over 25 years to provide insurance solutions to members and their families.
With more than 65 years of experience in the industry, Mercer creates and manages insurance programs for some of the largest, most prestigious associations, including affinity, alumni, health care, education, unions, military, professional occupations and other membership organizations. Mercer-designed and -administered programs encompass customer service, marketing, program management, carrier relations and implementation. Through Mercer, clients can meet the challenges and complexities of today’s evolving market.