Customized Insurance Programs & Employee Benefit Plans For Members
Member Group Rated (Pooled) Plans
Offer your membership group priced products that allow individual members, spouses, and member’s employees to participate in a plan with large group type benefits and large group rates exclusively designed for association/affinity group members. These plans utilize the buying power of Member Benefits’ collective association member client base, are proprietary, and not available to the general public.
Premium Discounts, Underwriting Concessions, and Product Enhancements
Member Benefits negotiates exclusive endorsement arrangements for discounted pricing with various product and service providers. Members will have access to special pricing, underwriting concessions, and product enhancements.
Association Health Plans
Member Benefits can create an exclusive membership-based health plan option for your members. Rather than benefiting the stockholders of a typical publicly traded health insurance company, profits go back into the plan to offset future renewals or potentially issue future refunds to the policyholders. These are also sometimes referred to as association group health plans, captives, multiple employer welfare arrangement (MEWA), consortium plans (depending on state regulations and availability), and level-funded association health programs.
E-Commerce Insurance Shopping Solutions
Member Benefits offers a premier level web-based shopping experience backed by experienced benefits counselors who provide guidance and assistance to members during the insurance procurement process and throughout the plan year as members use their coverage.
Key differentiators of Member Benefits’ Private Exchange solutions include:
- Multiple health insurance carrier platforms
- Government subsidy eligibility assistance
- Robust defined-contribution features for employers
- Industry-leading consumer-directed accounts platform
- Specially priced ancillary association group products
- Association member level service model
The exchange offering is divided into two different components: the Individual Exchange; and the Employer Group Exchange.
The Individual Marketplace provides individuals (members and/or employees) with an online shopping experience that enables members to select from multiple leading health insurance providers, as well as valuable ancillary benefits such as dental, vision and more. Individuals create and manage their own individual benefits portfolio online.
Employer Group Enrollment & HR Administration Technology
We’ll build your membership a customized online marketplace where members, and their employees, can compare and purchase products and services from insurance and benefit providers that compete for business within the exchange.
Our custom employer enrollment technology solutions provide a comprehensive benefits management platform. Employers create their own white-labeled employee portal and choose from multiple insurance and carrier options. This model is designed around the strategy of shifting employers from the costly defined benefit insurance model to the defined contribution model, whereby employers can set, budget, and better control their benefits expenses. Employees use their “defined contribution” monies to shop from a wide variety of plans on the exchange.
Marketing & Communications
We’ve been testing and fine-tuning our communications strategies for decades. The result: a carefully crafted approach that maximizes awareness and satisfaction level among your members without overloading them with program information. We want your members to feel good about your association and have an appreciation for the benefits you’ve negotiated on their behalf.
Most product vendors only have their own marketing campaigns under consideration and have little knowledge of when and how often other vendors are sending communications to your members. Sending too many messages to your membership can eventually cause your Member Benefits Program to get watered down and lose its value.
With so many insurance and financial products that can benefit your members, a key advantage to associations offering a consolidated benefits program through a third-party administrator as opposed to directly through product vendors is our sensitivity to the communication schedule. Members don’t want to be bombarded with simultaneous mailers, emails, and solicitation calls. These communications need to be sent in a timely manner and the message needs to be consistent. Effective communication is a common factor in every successful Member Benefits program.
Our marketing communications focuses on the most effective channels for reaching your members, such as:
- Branded websites
- Email marketing
- Product-specific direct mail
- Print & digital advertising
- Social media
We started our employee benefit plan in March. Considering the timing, it has been a roller coaster year. We have relied on help from our account manager all year, as this was our first experience managing these benefits. She has helped so much this year, always available to answer questions, help with employee changes, etc. Now we are starting the renewal process, and she’s helping us through this first renewal transition. We want to thank her especially for all the support, and also let you know it is greatly appreciated.
Many thanks for all your efforts on my behalf. You are clearly several notches above the norm – exemplary. Well beyond anyone else with whom I’ve spoken regarding what has turned out be a tedious, daunting ordeal. Nobody calls back, let alone sends an email informing that me that my line was busy, so I remain deeply appreciative. Your subject knowledge and communication skills are superlative, and sincerely appreciated. On all counts, many thanks!
I want to thank you so much for helping our family get health coverage we can afford, and we get to keep our doctors. This was such an important transaction for us, and working with you was the best customer service experience I’ve ever had. THANK YOU!!
I have been communicating with two benefits counselors regarding an upcoming switch to Medicare plans. Their knowledge and patience are remarkable. It is staff members like them who make an organization outstanding, who help them develop a reputation of excellence. All too often we encounter such remarkable people and never acknowledge their excellence. I just thought you should hear it from a very appreciative FMA member office.
I recently had the opportunity to work with one of your benefits counselors and wanted to let you know what a fantastic job he is doing. Not only is he extremely responsive and informative, but follows up and also simplifies a complex topic. His ability to explain the different options showed a very deep understanding of this area and he was unbelievably helpful during a hectic transition time for me. He is going above and beyond to help people and I really cannot conceive of receiving any better service.
The help I have gotten in acquiring and implementing health insurance from my benefits counselor and the Member Benefits organization has made the angst and trouble of health insurance issues fall away. I could not be happier with the services that have been provided over the years.
Thanks so much for your time and assistance! I’m proud to know the State Bar of Texas has such a quality resource available to its members. Your time, attention and customer service could not have been better. You made the process easy and I appreciate you for it!
Thank you so much for all your help. You have given me peace of mind. I never like to do important transactions online, because you never know if you will get customer service. You put all my worries to rest. I know I have a person who will guide me and answer my questions when I get frustrated with the online process.
I wanted to personally thank you for the tremendous service you provide our members who are shopping for insurance. One of them personally called me today to say how happy she was with the process. She understands and appreciates the tremendous value of your marketplace services — vs trying to shop on the open market. Keep up the great work.