NSBA HealthInsurance Consortium
Law firms of all sizes face significant challenges in relation to the affordability of healthinsurance. The Nebraska State Bar Association is proud to announce that it has established a new healthinsurance option for its members, the NSBA HealthInsurance Consortium. The Consortium consists of multiple employers, with NSBA membership, pooling together to obtain affordable healthinsurance coverage on terms similar to those currently available only to large employers. Here are some of the advantages:
Affordable Coverage: By pooling together, employers are better positioned to obtain more affordable healthinsurance coverage due to economies of scale, managing savings, and spreading risk.
Flexibility: Each employer in the Consortium has the option of selecting the type of health plan or plans that works best for its employees (high deductible plan vs. low deductible plan, etc.).
A Stable Community: The NSBA’s goal is to create and to encourage a stable community of employers participating in the Consortium. When a group has a stable environment, annual rate fluctuations are less likely and less dramatic from year to year.
Available to Family Members: In addition to staff, employers participating in the Consortium may offer family and dependent coverage to their employees.
Aon Selected as Broker
Aon Risk Solutions is the broker for the NSBA HealthInsurance Consortium. In addition to brokering the plan for the Consortium (i.e., coverage options, premiums and other terms), Aon’s role is to provide education and answer questions about coverage options, provide claims assistance services, assist with employee enrollment, help resolve benefits questions or issues and provide ongoing support to the HealthInsurance Consortium Board. The Aon team is lead by Nebraska lawyers, Pat Bourne and Michaela Valentin.
Blue Cross Blue Shield Selected as Carrier
Blue Cross Blue Shield of Nebraska is the Insurance Carrier for the Consortium. Each employer in the Consortium has the option of selecting the type of health plan or plans that works best for its employees (high deductible plan vs. low deductible plan, etc.). There are seven benefit packages to choose from. Each employer can offer up to two plans to their employees. Employers will also have the option of selecting “narrow networks” to achieve additional savings. In addition to staff, employers participating in the Consortium may offer family and dependent coverage to their employees. Learn more about:
Can your firm still join the Consortium? Your firm/organization can join at any time. You do not need to wait until your renewal period. In fact, we can assist you with exiting your current plan and enrolling in the Consortium without penalty and assuring your firm never goes without coverage and doesn’t pay for double coverage. BCBSNE will also credit what you have paid out of pocket to your new plan so there is no financial disincentive for you to join. Don’t wait to save money! In order to be rated and receive a quote, please contact Jerome Rewolinski at: email@example.com or Jody Gilcrist at: Jody.Gilcrist@aon.com and they will send you a link to complete. There is no obligation to join after you apply for coverage.
Update on Solo Proprietors
In June of 2018, the U.S. Department of Labor (DOL) issued new rules which allow sole proprietors to join Association Health Plans. Solos are defined by the U.S. Department of Labor and insurance companies to mean one lawyer with no support staff. However, in establishing the NSBA Health Insurance Consortium, no fully-insured products were available to the NSBA under the new DOL rules. Sole proprietors (meaning one lawyer with no staff), are currently not eligible to join the NSBA Health Insurance Consortium. If you are a sole proprietor with at least one staff person who works at least 17.5 hours per week, you are eligible). The NSBA, with the assistance of the Nebraska Department of Insurance, has made a legal argument for inclusion of sole proprietors to the U.S. Department of Labor. Our request is still pending. As soon as we hear back, we will communicate that to our members and work with Blue Cross Blue Shield to open enrollment for that group. Thank you for your patience.
For more information:You may also directly contact Aon representative Pat Bourne (firstname.lastname@example.org or 402‐697‐5260) or Michaela Valentin (email@example.com or 402‐697‐5254) to visit with them or to schedule a meeting specifically for your firm.