As a member of the OMA, 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 a historic low level and employees are free to choose who benefits from their abilities?
Both the OMA and the National Association of Manufacturers are committed to the continued success of you, who make things in America, and your employees. Thanks to the collaboration between the NAM, Mercer and UnitedHealthcare® you now have an exclusive, members-only solution to meet the unique insurance needs of you and your employees: NAM Health Care.
NAM Health Care will be offered across the country, your business location will determine which offering your are eligible for — Association Health Plan (AHP) or Affinity Small Group (ASG).
CAN’T OFFER YOUR EMPLOYEES ACA-COMPLIANT HEALTH INSURANCE?
NOW YOU CAN!
ALREADY OFFER COVERAGE? THESE PLANS MAY SAVE YOU ON YOUR HEALTH CARE PREMIUMS
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.
NAM Health Care is subject to state filing approvals. Plans are not available to member employers in all states.
You can take advantage of Mercer’s web-based onboarding process to answer key questions such as which benefits are available, your cost, and how to roll out benefits to your employees.
Using the onboarding solution, you can do the following:
In addition to getting clear explanations of the available benefits, employees can use the site for guided shopping tools to select the most appropriate plans and benefits to fit their families’ unique needs.
What Is NAM Health Care?
NAM Health Care is a bona fide pre-rule industry-based 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 Health Care AHP has a plan situs of MI. NAM Health Care enrolled members will also have access to UnitedHealthcare’s Choice Plus care provider network of more than 978,000 physicians and care professionals, and 6,100 hospitals and other care facilities nationwide as of July 2019.
What Is an AHP?
An AHP is an Association Health Plan offered by a group of employers within an association.
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?
You can take advantage of NAM Health Care with as little as 2 employees. To avoid adverse risk selection, the ideal number of employees is 5–50. At least 50% of your eligible employees must enroll.
Who Underwrites This 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. 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 offering and affinity plans for all other states. See the map above for information about when the plan will be available in your state.
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 out of scope, state regulations governing Association Health Plans 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.
If your company is not yet a member of the OMA, see how to get involved.