At last, you have the power to offer a Fortune 500-type benefits program for employees and their families working for your small or medium-size business.
How important could this be for your success when unemployment is at uncertain levels and employees are free to choose who benefits from their abilities?
With NAM Health Care, member companies and their employees will have access to medical, dental, vision and life insurance built specifically for small to medium-sized manufacturers, offered through a simplified web-based platform. NAM Health Care utilizes UnitedHealthcare’s largest preferred provider organizations and Mercer’s Multiple Employer Solutions.
Mercer’s Multiple Employer Solutions is a one-stop web-based onboarding solution that makes the benefits buying and enrollment experience easy for our members and their employees.
NAM Health Care will be offered across the country, your business location will determine which offering you are eligible for — Association Health Plan (AHP) or Affinity Small Group (ASG).
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Mercer’s web-based onboarding process can get the information most important to your company such as which benefits are available, your cost, and how to roll out benefits to your employees.
Using the onboarding solution, you can:
Once you have signed up, Mercer’s technology-based enrollment system will provide a streamlined, easy-to-use shopping experience. In addition to clearly explaining the benefits available, the site provides guided shopping tools to help your employees select the most appropriate plans and benefits to fit their family needs.
What Is an AHP?
An Association Health Plan (AHP) is a health plan offered by a group of employers within an association. NAM is a bona fide pre-rule industry-based Association Health Plan (AHP). Being an AHP allows member manufacturing companies to band together to manage and purchase coverages typically enjoyed by larger manufacturing companies — and at a manageable price. NAM is the plan sponsor for NAM Health Care.
What Is an ASG?
For states that have not allowed the AHP offering, an Affinity Small Group (ASG) offering is available. This will allow access to UHC's small group products with plans specifically selected for manufacturers (differs by state). Each company will have a small group medical policy.
Who Is Eligible to Participate in These Plans?
All attested NAM members may participate if they have the required number of eligible employees.
Who Will Operate the Plans?
NAM Health Care will be operated by the plan’s Governing Committee made up of mostly small and medium-size manufacturers. This committee will manage NAM’s fully insured medical, dental, vision and life plans with the support of Mercer and UnitedHealthcare.
What Will the Plan Cost Me?
The NAM Health Care plans may save you on your annual health insurance costs. The amount you elect is based on your businesses’ unique situation and your employees’ needs. The benefits to your employees remain the same regardless of how much you wish to contribute. You also can feel confident that to keep your costs down, as well as the cost to your employees, Mercer and UnitedHealthcare constantly monitor health care trends to take advantage of the latest innovations.
What Employee Coverage Will Be Available?
You will be able to offer your employees Health, Dental, Vision and Life insurance. To explore the plans, click above on each product.
Do I Need to Offer All Plans or Can I Choose Which Ones?
You can elect the plans that make the most sense to you and your employees.
How Many Employees Do I Need to Have?
If your business is located in an AHP state, in order to get a quote you need to have a minimum of 2 eligible employees and a maximum of 100 eligible employees. Please note that in order to participate in the plan, you must have a minimum of two employees enrolled. You will need 50% of your eligible employees to participate in the plan.
If your business is located in an Affinity Small Group state, the minimum participation requirements will vary. In order to be eligible for the Affinity Small Group plans, you need to have a minimum of either 2 or 5 enrolled employees. Please see the map to determine what the minimum is for your state. The Affinity Small Group plans are only available to employers with a maximum of 50 employees, except for California which allows up to a maximum of 100 employees. Many states require a minimum of 50% of your eligible employees to enroll in medical coverage, however, some states do have higher requirements. Please reach out if you have questions.
Who Underwrites Coverage?
Coverage is underwritten by UnitedHealthcare Insurance Company and its affiliates. UnitedHealthcare also maintains fiduciary responsibility.
Who Is Mercer?
With more than 65 years of experience, 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.
How Do I Roll Out These Plans to My Employees?
Click the GET A QUOTE FOR YOUR BUSINESS button above or contact your broker. Enter your company’s employee census and other required documents for UnitedHealthcare to underwrite coverage. Within 5 business days, Mercer will notify you when your customized quote is available, known as the preliminary quote. After you accept your quote, you will be notified when your employees can sign up for coverage through Mercer’s secure web-based platform. NAM will work with you to assist with onboarding.
When Will the Plan Be Available to My Business?
NAM Health Care will be offered all across the country (coverage may not be available in all states) in regions where state law supports the AHP offering and ASG offering. See the map for information about when the plan will be available in your state and for which offering you will be eligible.
Can I Offer NAM Health Care in Addition to Existing Health Insurance?
The NAM Health Care offering is required to be an exclusive product offering.
How Long Are My Rates Guaranteed?
When benefits go into effect, rates are set through their 12-month plan year.
What If My State is Shown as a Later Effective Date or Out of Scope?
If your state indicates a later effective date, a quote will not be available to you right now. You’ll be contacted by representative with timeline information. If your state is currently TBD or out of scope, state regulations governing health insurance are beyond our control.
What if I am Not the Employer, But an Employee of a Member Organization?
As an employee, you should contact your HR department for access to benefits information.
NAM Health Care is fully ACA-compliant, administered by Mercer and sponsored by the National Association of Manufacturers (NAM), of which the Tennessee Chamber of Commerce & Industry is an affiliate member. Medical, Dental, Vision and Life insurance are underwritten by UnitedHealthcare®. Plans are not available to member employers in all states. All licensed and appointed agents with UnitedHealthcare have the ability to sell the NAM Health Care offering through an open-distribution model.
Situs in Michigan.