RETIREMENT PLAN/
ADMINISTRATION

TERM LIFE
INSURANCE

Eligibility: All regular full-time, regular part-time or irregular part-time employees under age 70 are eligible to apply for this employer-sponsored, employee-paid policy. In addition, any employee's spouse under age 65 may also apply, even if the employee does not participate in the plan. Unmarried, dependent children may be insured as long as either of the spouses participate.

Coverage: Up to $500,000 in life insurance for employees and spouses. For children, $5,000.

Optional Benefit: Coverage of $100,000 for accidental death and dismemberment available to employees and spouses.the spouses participate.

Portability: Coverage remains in force at the same low rates even if the employee stops working for your hospital.

Disability Benefit: Premium payments stop if the insured becomes permanently or totally disabled before age 60.

The long-term care policies offered through MHA’s program have many important features such as:

• Group discount for employees and others affiliated with an MHA member organization (the group discount is also available to spouses, parents, parents-in-law and retirees).
• A wide variety of benefit options.
• Coverage for custodial, skilled and intermediate care, as well as home health care, adult day care, and assisted living care.
• Inflation protection options.
• Waiver of premium options.
• Several elimination periods.

Long-term care insurance is an important piece of financial planning that can protect employees and their families from catastrophic long term care expenses, expenses that can seriously deplete savings.

Call or email us for additional information or a free consultation.

• Affordable group rate
• No deductibles or copayments
• No limits on usage for covered services
• No claim forms to file
• Covers spouse and dependents
• Makes legal services available to those previously intimidated by the law, afraid of high fees or just unsure of how to select an attorney
• Provides access to convenient and confidential legal consultations for services
• Encourages asking questions before serious complications arise

What's Covered

• Access to a nationwide netword of more than 7,000 experienced, independent attorneys
• Unlimited initial telephone advice and office consultations
• Preparation of wills, living wills and trusts
• PUrchase, sale and refinancing of a primary residence
• Traffic Defense (excluding DUI)
• Draving Privileges Restoration
• Debt collection Defense
• Personal Bankruptcy
• Document review
• Uncontested adoption, guardianship and anme change
• Eviction and tenant problems (tenant only)
• Civil litigation defense
• Document preparation - deeds, mortgages, promissory motes, powers of attorney, demand letters
• Juvenile Defense
• Consumer protection matters

Employer Advantages

• Cost effective - employee funded
• No minimum participation requirement
• All employees eligible
• Easy to administer
• Enhances benefits offering required to recruit and retain quality employees
• Can help boost productivity and morale

• Insurance coverage continues throughout life, yet employees can alter premiums and coverage to reflect changing needs without the costs associated with starting a new policy.
• Employees select the amount of insurance coverage that best fits their needs.
• Coverage available for spouses, dependent children and grandchildren.
• Employees need not participate to insure other family members.
• Convenience of payroll deduction.
• Portability so employees can take the policy with them with no change in cost or benefits if they change jobs or retire.
• For MHA members, employees can get fully personalized benefit statements at no extra charge.

PAYROLL DEDUCT AUTO,
HOMEOWNER'S AND
PERSONAL PROPERTY INSURANCE

At the same time, insurers have raised the aggregate claims levels, significantly increasing your organization's liability. Now you can protect against catastrophic claims and aggregate claims beyond your organization's ability to pay through MHA Insurance Agency's Stop Loss Insurance Program. Our program provides a review of your existing coverage and provides competitive quotations to help you save money. We can write stop loss coverage on any type of health insurance plan.

• No minimum participation.
• Covers only non-job related injuries or illnesses.
• Benefits begin on the15th day of illness/ accident.
• Benefits may be payable to 13, 26, or 52 weeks depending on the plan you select.
• Guaranteed issue, no medical questions asked.
• Plan can begin any time during the year you select, with either annual reopening or reopen at your next benefit reopening date.
• Employees of MHA member hospitals who purchase the program through the MHA Insurance Agency, receive at no additional cost, $10,000 accidental death and dismemberment insurance.
• Employees may purchase up to $750.00 per week benefit based on their weekly salary.
• Minimum participation by your staff, both at open enrollment and new employee sign-up.
• Some groups may have the opportunity to have a weekly benefit of up to
  $1050/week.

It is important to note that under the program, benefits are only payable for non-work related accidents and illnesses which prevents “double” dipping.

More importantly, it begins paying benefits long before the individual meets most definitions of disability under employer sponsored disability plans. Created specifically for health care workers, this innovative insurance program is available at a reasonable rate. It gives your employees the security and confidence that they will have some financial support should they face this crisis.

The plan features some major advantages:

• Coverage for all health care employees working at least 4 hours per week as well as all benefit eligible physicians.
• A lump-sum benefit paid when an individual, while insured, is first diagnosed as HIV positive (testing required).
• Complete confidentiality is assured.
• Flexible coverage amounts, including flat benefits or multiples of salary, ranging from $10,000 to $250,000 (higher levels of coverage may be considered).
• Two year rate guarantee.

MHA Comp Services provides alternative strategies and proven methods to reduce the cost of risk for insured/self insured Health Care Organizations.

MHA Comp Services offers the following:

• Claims Administration
• Loss Control/Safety
• Customized Management reports
• On-line Internet Access
• Medical Management Services
• Utilization Review
• Medical Bill Review
• Ergovention/Return to Work
• Excess Insurance Placement

To assist in retaining valuable part-time employees, MHAIA offers a Voluntary Dental insurance Program with MetLife to those part-time hospital employees who may not be eligible to participate inn the group dental plan.*

The following services are part of the dental program:

• A dedicated Implementation Leader will be assigned to each hospital. This project Leader serves as a liaison between you and MetLife and also takes full "ownership" of ensuring a positive customer experience during the entire installation of the dental plan. The Implementation Leader personally meets on-site with your benefits staff to fully explain the benefits program and the installation process.
• MetLife staffs Customer Care Centers that are available via a toll-free number from 6:00 a.m. to 11:00 p.m. Monday-Friday, and from 6:00 a.m. to 4:00 p.m. on Saturdays. The following information is readily available for each of your employees:
  
  • A Summary of Plan Benefits
• Preferred Dentist Directories
• Dependent Definitions
• Individual Claims Status (once the Plan is effective)
• Claim Forms
• Eligibility Verification.

• MetLife has a staff of experienced enrollers to conduct on-site employee meetings to explain the new dental program and to assist with enrollment. MetLife has a large number of participating dentists within their PDP network - more than 47,000.
• MetLife offers, as a standard service, a real-time internet-based system called MetLink, which enables your staff to:
  
• Check on the status of employees' claims
• Prepare self-billing statements
• Remit premiums electronically
• Enroll new hires; terminate employees
• MetLife maintains a web site where your employees can download a claim form, request a directory of participating dentists, and even receive driving directions to a dentist's office.
• To ensure that the dental plan being offered is best suited to your hospital's part-time employees you may choose from six plan options.

* If you do not have a group dental plan, you may offer this voluntary plan to all employees working a minimum of 16 hours per week.

Critical Illness Insurance is a supplemental insurance that helps to replace lost income and offset expenses not reimbursed by other types of inusrance.

Critical Illness Insurance covers cancer, heart attack, stroke, major organ transplant, kidney failure and coronary bypass (25%).

Critical Illness Insurance:

• Pays a lump sum upon diagnosis
• You don't need to be disabled or terminally ill
• There are no restrictions on the use of the money

The need for cancer insurance is very real.

Cancer Insurance can help you deal with the financial issues that may be associated with cancer detection and treatment.

Benefits can be used to help pay for:

• Specified cancer screening tests
• Radiation and Chemotherapy
• Transportation and lodging

Insurance companies are changing the benefit marketplace by regularly introducing new features and cost saving mechanisms to the plans that they offer. As a result, plans in place for more than a couple of years may contain many provisions that are outdated and costly.

To help benefit managers evaluate how their plans compare, we developed our Group Benefits Brokering Program. Under the program, we conduct a comprehensive review of your current benefit plans, suggest appropriate modifications or enhancements, and put the plans out to bid among a group of premier insurance companies we work with that specialize in the benefit areas under review.

When our review is complete we will present you with our recommendations for the plan that best meets your needs and cost requirements. If the best plan is the one you have with your current insurer, we'll tell you so. If it isn't, and you want to change, we'll serve as your broker to assist you with the following:

• Announcement memo to employees
• Employee meetings if desired
• Implementation of the new plan
• Termination letter to prior carrier
• Meeting with new carrier to review all administrative procedures
• Review of employee booklet/ SPD drafts for accuracy

We will also be responsible for day-to-day service of the new program following implementation.

MHA's Directors and Officers Liability Insurance policy is designed specifically for hospitals and other health care organizations.

MHA's policy offers standard coverage features and additional benefits unique to our policy.

MHA NETWORKADVANTAGE (HEALTH INSURANCE)