Health Insurance

Health Insurance  

Overview

Employees value health care, but providing ACA-compliant health care coverage may have been difficult or expensive for small and medium-sized businesses in the past. But no longer for you!

 

As a member of the California Medical Association, you can enjoy an exclusive-members-only competitive advantage: offering your employees and their families complete major medical coverage that complies with all aspects of the Affordable Care Act.

 

Your employees get the advantage of working with a business that offers them a prized benefit: ACA-compliant coverage that may cost them less than they could find on their own.

Tell me more

In most states you can offer either or both of the following care options:

 

  • A PPO plan enabling maximum flexibility for electing providers and costs; or
  • A high-deductible health plan (HDHP) with Health Savings Account (HSA), which reduces monthly premiums

 

How The Plan Works

 

FAQs

Answers about the program, including eligibility, options, customer service and more.
  • Who Is Eligible to Participate in These Plans?

    All attested member organizations may participate if they have the required number of eligible employees.

    Plans will be offered across the country, availability is based on your state, see map.

    * VT offering is for dental, vision and life only, no medical

  • What Is Covered?

    These are not "skinny" plans that do not comply with ACA requirements. All of the following are covered on either the PPO or HDHP plan, with no annual or lifetime dollar limit:

     

    • Prescriptions
    • Hospitals
    • Mental health and substance abuse
    • Preventive care (at 100%)
    • Maternity
  • What Does Coverage Cost Me?

    You elect to pay a percentage of the plan costs.
  • Which Administrative Functions Am I Responsible For?

    None! UnitedHealthcare takes care of:

     

    • Compliance
    • Disclosure assistance
    • Premium billing/payments/payment alerts
    • Group-level changes
    • Group-level administration
    • Claims
    • All member-level questions
  • Are There Any Other Benefits?

    YES! You and your employees get access to:

     

    • COBRA Benefit Administration Services that can reduce your burden and costs by handling employees and dependents who no longer qualify for coverage as employees.
    • Virtual Visits help employees connect with a doctor anytime, anywhere for non-emergency care, even prescriptions.*
    • Comprehensive Diabetes Solution helps employees prevent diabetes, slow progression of related conditions, and reduce medical costs.
    • Real Appeal® virtual weight-loss program, with opportunities for one-to-one and live group online coaching; plus, interventions that may help lower costs with fewer claims from diabetes, cardiovascular and other weight-related conditions.
    • Rally® digital wellness, a simple-to-use health survey via myuhc.com® or mobile device, with action plans and tracking results, plus rewards for achieving goals.
    • UnitedHealthcare Health4Me® app, so employees can have an on-the-go solution to:
      • Manage and pay claims
      • Estimate and compare procedure costs
      • Find care and directions
      • View and share health plan ID card
      • Search pharmacies, drug pricing and mail orders

* Prescription services may not be available in all states.

 

Plans will be offered across the country, availability is based on your state, see map.

* VT offering is for dental, vision and life only, no medical

Mercer's Role & Compensation

Details of Mercer disclosure of compensation.