Group of young professions working at a white board calculating effects of group health insurance for their business

How To Find The Best Group Health Plan For Your Firm

The Group Health Insurance industry continues to change with premiums continuing to rise. You have probably changed insurance carrier’s multiple times hoping to secure for the deal of the year.

So, the question is: Is that all there is? Change carriers and tweak my benefits?

What To Consider In Your Group Health Plan Decision

Not all Group Health Insurance plans are the same and one of the largest problems we come across in the industry is that so few companies are aware of all of their options. Most of the time, the reason behind this is because businesses are often dependent upon their insurance agent to present them with their group health options. In doing so, it is important for businesses to note and understand that like the differing group health plans on the market, not all agents are alike. Agents often differ greatly in regard to their level of experience and general knowledge pertaining to new and emerging trends in the industry.

Group of young professions working at a white board calculating effects of group health insurance for their businessHere at the Missouri Bar Private Insurance Exchange, we specialize in providing businesses with creative solutions that can greatly reduce their health insurance premiums, while still maintaining a comprehensive list of benefits that satisfy your employees and promote attraction and retention.

Perhaps one of the latest trends that many businesses have found themselves considering over the course of the past two years is something called level-funding.

Level-Funding is a partially self-insured option that functions just like a fully-insured plan and has little to no risk involved due to the built-in stop-loss insurance provisions. If your business qualifies, your premiums could end up being 10 to 15 percent less than what they would have been with a traditional fully-insured plan.

With a level-funded plan, there is no need for a separate bank account and the hospital and physician networks are nationwide and very large. As an added bonus, if your business has had a successful year and the claims are low, you may be entitled to receive a refund of up to 50 percent of the claims surplus. Some level -funded plans now offer no network limitations, giving you access to any doctor or hospital across the country!

Are you worried about the possibility of your deductibles resetting if you make the change now? One of the many great things about level-funding carriers is that they will give you credit for any deductible you may have met up until the point of transition.

So, when closing out your year, rest assured that there is no rule or law stating that you must settle for your same Group Health Insurance as opposed to weighing your options. Be confident in your decision. It is important to take the necessary time when you are not busy to explore your options and a level-funded option may prove to be a great place to start.

Looking Ahead

Need help finding an Employer Group Health plan? We’re here to help! As a valued member of The Missouri Bar, you have unparalleled access to our team of highly-trained licensed Benefits Counselors. Our Benefits Counselors are ready and able to answer any questions you might regarding your current policy, and if necessary, will help you find any even better fit for your practice.

We know that one size, does not necessarily fit all when it comes to Group Health Insurance plans. To learn more about what the Missouri Bar Private Insurance Exchange can do for you, visit us at

Millennials with tech devices in front of them on a blue bench

Myopia and Millennials: The Trend No One Saw Coming

According to a Nielson Company audience report, it is estimated that the average American spends over 10 hours behind a screen consuming digital media and content. But is this much screen time actually helping us or hurting us?

As it happens, a number of studies have recently come out against the rapid increase in screen time for everyone from toddlers to senior citizens. In fact, some of these studies have shown a correlation between increased screen time and the following:

  • Depression
  • Anxiety
  • Cynicism
  • Shortened Attention Span
  • Decreased Social Skills
  • Isolation
  • Changes In Sleep Patterns

These are just a few of the negative effects linked to the world’s growing dependency on media whether it comes from your television, computer, or myriad of smart devices.

But beyond the studied and documented negative mental and social effects, could our digital habits also be related to our actual physical health?

Millennials, Media, and Myopia

Based on the Nielsen Q1 2016 Total Audience Report, it is estimated that while U.S. adults spend an average of 10 hours and 39 minutes each day consuming media, for the Millennial generation, that number can be as high as 18 hours a day.

Interestingly enough, as the hours spent consuming digital media continues to increase, so do the recorded cases of myopia, more commonly referred to as shortsightedness, which is where a person is able to see things close up but has difficulty when trying to view things from a distance.

Myopia is commonly attributed to what happens when the eye grows too long horizontally, causing the lens of the eye to focus what the individual is trying to view in front of the retina versus on the retina. Myopia can also be the result of an overly curved cornea or an overly thick lens.

Eye diagram showing the differences between normal vision, myopia, hyperopia, and astigmatismThe Epidemic No One Saw Coming

However, over the course of the past decade Ophthalmologists are now beginning to credit our various media devices with a third cause of myopia.

In an interview with WIRED correspondent Duncan Nicholls, ophthalmologist Andrew Bastawrous was quoted as saying “There’s definitely a myopia epidemic. Many more people are becoming shortsighted than they were a decade ago. The implications of this are not just that there are more people needing glasses, but that their condition is pathological. Their myopia is due to the eyeball growing, particularly in populations of Asian descent, at a rate that is causing even potential severe visual impairment, through glaucoma retinal detachment and other retinal problems.”

Bastawrous goes on to say use the country of Singapore as an example by asserting that “more than 90 percent of school children are leaving school myopic.”

In fact, it has been estimated that here in the United States myopia rates have doubled over the last generation. Leading countless Millennials to invest in preserving their eye health.

And what are Ophthalmologists claiming is a key factor in this uptick in shortsightedness? The numerous digital screens we place in front of us every day.

One theory is that as we spend increasing amounts of time in front of our televisions, computers, and smart devices, our eyes are gradually becoming more and more accustomed to only needing to see a few feet in front of us instead of long distances. A second theory is that our eyes are not receiving enough natural sunlight because we are spending more time indoors— a theory that yet again, may have significant ties to increases in screen time.

Protecting Your Eye Health

Do you find yourself needing to squint to try to see distant objects, do you often experience headaches, blink or rub your eyes frequently?

If so, it may be time to visit your eye doctor.

When was the last time you visited an optometrist? For those without perfect vision, it is recommended that one visit the eye doctor once every twelve months to look for any adjustments that may be needed in your eye prescription.

Got Dental and Vision Insurance? Now is your chance! From now until March 31st members of The Missouri Bar can secure dental and vision insurance coverage for themselves and their family. Visit to learn more about what our Dental and Vision insurance can do for you!

Three eggs with 401(k) saving and IRA written on them laying on top of dollar bills and coins

Ringing In The New Year With 401(k)

From abandoning vices to dedicating time for some inward reflection, there is no denying that the start of every new year is a time for reflection, looking to the future, and abandoning what didn’t work in the past.

When was the last time you examined your 401(k) business plan? Do you have a 401(k) plan for your business? Are you sure that your current plan is doing everything for you and your employees that it can? If you answer any of these questions with uncertainty or hesitation, it may be time to spend some of that reflection time on your retirement planning strategy.

If your businesses does not offer a 401(k) plan as a part of its benefits package, you could be missing out on valuable talent that may seek work elsewhere— perhaps with other firms that do.

401(k) plan paper on top of desk with calculator, blue folder and glasses401(k) Plan Types and Benefits Offerings

A 401(k) is a product that is often purchased by a business when their income begins to increase. Attractive to new and potential hires, a Safe Harbor 401(k) Plan is a type of plan where you, as a business owner and your employees, can defer up to $18,500 of pre-tax dollars into the plan.

When your business begins to become even more successful, then the day may come when the formula will need to be analyzed to see if it is truly maximizing what it can do for you and your employees. This is the point where a Safe Harbor New Comparability Formula may prove helpful financially for the businesses owners.

And then last but not least, if there’s a big need for tax deductions, and because your once-humble business has now become extremely successful ($270-thousand-dollar+ revenue per year), then you may be looking for something a bit more supercharged than what a standard 401(k) profit sharing plan can offer. In cases such as these, a Defined Benefit Plan could allow employers/business owners to receive well above the $50 to $55 thousand dollar a year limit that can then be put into a traditional profit-sharing plan. A Defined Benefit Plan allows significantly higher contributions than a Profit Sharing Plan.

401(k) Plans are available to firms both big and small with no minimums. It is crucial however to pick a provider that does on-site enrollments rather than just having the employees visit a website to learn about the plan because ultimately a website is never going to excite an individual into putting their own money in and if they don’t contribute, then the plan won’t work as efficiently as it could if the employees decide to contribute.

The Best 401(k) Plan For Your Business

Interested in incorporating a 401(k) plan into your employee benefits offerings? The start of a new year is the perfect time. To learn more about the unique 401(k) plan options available to members of the Missouri Bar please visit us here for more information.

mother and child practicing good dental hygiene in bathroom

The Cost Of Not Having Dental Insurance

If you and your family have been skipping trips to the dentist, you’re not alone. “For every adult without health insurance, an estimated three lack dental insurance” this comes according to a quote issued by the Kaiser Family Foundation based off of research conducted by the National Association of Dental Plans.

A Key Component Of Overall Health and Hygiene

But what so few realize is the close relationship between one’s oral health and their overall health. A person’s mouth is a haven for potentially harmful bacteria, regular flossing, brushing, and cleanings can keep the bacteria at bay but when a person is neglecting their teeth, the bacteria can build and lead to infections, tooth decay, and gum disease. From there, it is possible for the bacteria to enter the bloodstream and travel to other parts of the body leading to other serious problems.

man with young daughter at doctors office doing paperwork smilingAccording to, the following have been found to possibly share a link with poor oral care:

  • Endocarditis is an infection of the inner lining of your heart (endocardium). Endocarditis typically occurs when bacteria or other germs from another part of your body, such as your mouth, spread through your bloodstream and attach to damaged areas in your heart.
  • Cardiovascular disease. Some research suggests that heart disease, clogged arteries, and stroke might be linked to the inflammation and infections that oral bacteria can cause.
  • Pregnancy and birth. Periodontitis has been linked to premature birth and low birth weight.

And if you suffer from any of the following conditions, your oral health may be at risk of deterioration without extra care administered by a dental professional:

  • Diabetes reduces the body’s resistance to infection — putting the gums at risk. Gum disease appears to be more frequent and severe among people who have diabetes. Research shows that people who have gum disease have a harder time controlling their blood sugar levels and that regular periodontal care can improve diabetes control.
  • HIV/AIDS. Oral problems, such as painful mucosal lesions, are common in people who have HIV/AIDS.
  • Osteoporosis — which causes bones to become weak and brittle — might be linked to periodontal bone loss and tooth loss. Drugs used to treat osteoporosis carry a small risk of damage to the bones of the jaw.
  • Alzheimer’s disease. Worsening oral health is seen as Alzheimer’s disease progresses.

In addition to the most noted above health issues, poor oral health has also been linked to such health issues as eating disorders, rheumatoid arthritis, head and neck cancers, and Sjogren’s syndrome among others.

Dental Insurance Can Help

When a person develops a cold, or the flu, that’s when they know they need to take it easy for a few days and give their body time to rest and recharge. But when it comes to your teeth, symptoms of ailing oral health may not be so obvious. This is why it is important to visit your dentist for routine exams and cleanings to avoid problems down the road.

Got Dental Insurance? If not, there’s no time like the present! From now until December 31st, you can enroll in Dental and Vision Insurance with an effective date of Jan. 1st to ensure coverage throughout the 2018 year. This is a special opportunity that arrives just once per quarter.

For more information, click here to learn more about our Dental and Vision Insurance offerings.

african american man stressed and dealing with depression at work

Attorneys: When Depression Strikes and When to See A Doctor

When the air turns cooler and the autumn breeze picks up the holiday season is never far behind. It is a time for family, friends, good food, shopping for gifts, and enjoying each other’s company. But what happens when you can’t seem to find your holiday spirit?

Just because your holiday spirit is lacking doesn’t necessarily make you a Grinch, though it could be a sign of something much more important.

Depression doesn’t strike when it is most convenient for you, sometimes there is a reason for it and sometimes there is not. In fact, it is not at all uncommon to develop depression symptoms during the holiday season.

But not all cases of the winter blues are the same and therefore, it is important to know when to reach out to your doctor and discuss what you are experiencing.

Know The Signs of Depression

Being a lawyer is one of the most stressful professions, so it’s understandable if you count yourself among the 28 percent of lawyers who struggle with depression.

According to Tyger Latham Psy.D. in an article posted on Psychology Today, “In counseling law students and many early career attorneys, I’ve come to recognize some common characteristics amongst those in the profession. Most, from my experience, tend to be ‘Type A’s’ (i.e., highly ambitious and over-achieving individuals). They also have a tendency toward perfectionism, not just in their professional pursuits but in nearly every aspect of their lives. While this characteristic is not unique to the legal profession – nor is it necessarily a bad thing – when rigidly applied, it can be problematic. The propensity of many law students and attorneys to be perfectionistic can sometimes impede their ability to be flexible and accommodating, qualities that are important in so many non-legal domains.”

In short, Latham goes on to suggest that it is the very character traits that make lawyers successful that also makes them prone to experiencing depression and anxiety.

But how do you know when you are displaying symptoms of depression?

One of the largest misconceptions regarding depression is that people who suffer from it are sad all the time and in some cases, may want to commit suicide. What many fail to realize is that depression is much more than that.

Depression is different in that it can creep up on you without you even noticing it. Symptoms that might be described as being in relation to a bad day may continue to linger for multiple days or weeks before you even realize feeling off.

According to Mayo Clinic, the most common symptoms of depression are as follows:

  • Feelings of sadness, tearfulness, emptiness or hopelessness.
  • Angry outbursts, irritability or frustration, even over small matters.
  • Loss of interest or pleasure in most or all normal activities, such as sex, hobbies or sports.
  • Sleep disturbances, including insomnia or sleeping too much.
  • Tiredness and lack of energy, so even small tasks take extra effort.
  • Reduced appetite and weight loss or increased cravings for food and weight gain.
  • Anxiety, agitation or restlessness.
  • Slowed thinking, speaking or body movements.
  • Feelings of worthlessness or guilt, fixating on past failures or self-blame.
  • Trouble thinking, concentrating, making decisions and remembering things.
  • Frequent or recurrent thoughts of death, suicidal thoughts, suicide attempts or suicide.
  • Unexplained physical problems, such as back pain or headaches.

If you should experience any of these symptoms, or a combination of them for a period of two weeks or more, it is advised to consult with your primary care physician.

Taking Care of Yourself

If you are without health insurance or haven’t reviewed your current health insurance plan this year, from now until December 15th is the 2018 Open Enrollment period where you can enroll in a health insurance plan designed to provide you and your family with the health care you need.

To learn more about Open Enrollment or to see your health insurance options, visit your association page for additional information.

If you would like additional assistance, our licensed Benefits Counselors are on hand to help. Click here to schedule an appointment to speak with one about your 2018 health insurance options.

young happy doctor high fiving little girl after open enrollment

Knowing Your Open Enrollment Options In 2018

Here are some important reminders to help guide you through the 2018 Open Enrollment process.

You may have recently received a letter from your health insurance carrier about the 2018 year. If the letter was confusing, don’t worry—a licensed Benefits Counselor will help you navigate your health insurance elections for the 2018 coverage year.

Need To Know For Open Enrollment 2018

Unlike years past, this year the Open Enrollment period lasts from a start date of November 1, 2017, and ends on December 15, 2017.

In order to obtain coverage on January 1, 2018, you must apply by the December 15, 2017, Open Enrollment deadline.

Plans and pricing will be available for review on November 1, 2017. We recommend that you evaluate your health insurance options every year in order to ensure that you are still receiving the benefits you need.

applying for health insurance on atablet during open enrollmentOpen Enrollment Is The Time For Changes

Open Enrollment is the time to make changes to your current plan.

If you are currently enrolled in a health insurance plan from the exchange, it may automatically renew if it is still available in your area. However, it is still important to review the details of your current plan, as providers may have made important changes that will be implemented for the 2018 coverage year.

If you have received a notice notifying you of upcoming changes to your plan, it is important to take the time to read it and determine what these changes could mean for you and your family. Be sure to check that your preferred doctors and hospitals will still be considered in-network. It is important to note that in some cases, you may not be covered at all should you receive care out-of-network.

It is possible that your prescription drug coverage could also change with the new year. Your plan may no longer cover the essential medications you, or your dependents, require in order to manage chronic conditions. This is why it is of the utmost importance that you review your existing plan’s drug benefits for 2018 before you allow it to renew.

Enroll Now Or Wait Until Next Year

So, what happens if you miss the Open Enrollment deadline? In the event that you miss the Open Enrollment cut-off date and still find yourself without insurance, you may be forced to wait another year until the next Open Enrollment period unless you qualify for a special enrollment period.

A Special Enrollment Period can be classified as a divorce, marriage, birth or adoption of a child, death of a spouse or a partner that leaves you without health insurance, your spouse or partner who has you covered loses his/her job and health insurance, you lose your job and with it your health insurance, your hours are cut making you ineligible for your employer’s health insurance plan, or you are in an HMO and move outside its designated coverage area.

In order to avoid paying a penalty on your taxes, you must have health insurance as per the Affordable Care Act.

Applying For 2018 Coverage

When you are ready to apply, make sure you have the details of your current plan, payment information, and any dependent information (social security number, birth date, etc.) on hand to make the application process easier.

Schedule an appointment with a licensed Benefits Counselor for a simple one-on-one approach to Open Enrollment. Our Benefits Counselors are specially trained to focus on your individual needs in a health plan and find you the best fit.

To schedule an appointment, please fill out our Online Appointment Scheduling form to secure your preferred date and time today!

young female asian doctor treating mother and daughter

What You Need For Open Enrollment 2018

Open Enrollment 2018 is just around the corner and for many, this is the only time to secure health insurance coverage for you and your dependents.

Since the beginning of the Affordable Care Act, the term Open Enrollment refers to the specific period of time each year when an individual can enroll in, or switch, their health insurance plan without the need to qualify for a special enrollment period. This is also when additional eligible members can be added to an existing plan.

Open enrollment only occurs once per year, so keeping an eye on the Open Enrollment deadlines is important in order to avoid losing coverage. This year the Open Enrollment window has been shortened and begins November 1st with a December 15th deadline.

young doctor explaining open enrollment 2018 to coupleKnow The Open Enrollment 2018 Terms

We know that Open Enrollment can seem stressful and completely overwhelming — but it doesn’t need to be! One of the best things you can do to make the Open Enrollment process easier is to know the most frequently used terms:

  • Coinsurance: Coinsurance is your share of the costs of a covered healthcare service calculated as a percent (for example, 20 percent) of the allowed amount for the service. You pay coinsurance plus any deductibles you still owe for a covered health service.
  • Premium: A premium is the amount of money charged by an insurance company for coverage. The cost of premiums may be determined by several factors, including age, geographic area, tobacco use, and number of dependents.
  • Copayment: A copayment, or copay, is a fixed amount you pay for a covered healthcare service, usually at the time of service. The amount can vary by the type of covered healthcare service.
  • Deductible: A deductible is the amount you owe for healthcare services each year before the insurance company begins to pay.
  • Out-of-pocket Maximum (OOPM): An out-of-pocket maximum is the most you should have to pay for your healthcare during a year, excluding the monthly premium. It protects you from very high medical expenses. After you reach the annual out-of-pocket maximum, your health insurance or plan begins to pay 100 percent of the allowed amount for covered healthcare services for the rest of the year. The deductible, coinsurance, copays and prescription drug copays are included in the out-of-pocket maximum.
  • Preventive Care: Rather than waiting for a patient to become sick, preventive care aims to keep people healthy, or at least catch illnesses at their earliest and most treatable stages. Preventive care includes preventive services performed by providers, such as annual physicals or mammograms. Under the provisions of the Affordable Care Act (ACA), policies must cover various preventive services for men, women, and children without sharing the cost for these services through coinsurance, deductibles or copayments. Certain Preventive care services are subject to frequency limitations.
  • Annual Limit and Lifetime Limit: In the past, health insurance carriers imposed Annual and Lifetime limits on the benefits you receive. You are no longer subject to these limitations and there is no maximum to the benefits you may receive.

Asking For Help

Our team of licensed Benefits Counselors are here to help! Schedule an appointment so you can get your questions answered —And don’t forget, Open Enrollment only runs through December 15th for the 2018 season!

family in white smiling and happy about ancillary benefits

Beyond Health: The Ancillary Benefits Your Association Needs

We’ve all heard of Health Insurance, but it’s not uncommon to hear the term “Ancillary Benefits” in the same sentence. But while everyone is familiar with health insurance, not everyone is equally familiar with ancillary benefits. So, what exactly are they and should you be offering them to your employees?

First and foremost, while health insurance is just health insurance, ancillary benefits can be made up of a variety of different insurance and benefits offerings made available to your employees. Oftentimes, instead of listing out each and every benefit and insurance offering a company may offer, the term “ancillary” may be used instead.

Potential Ancillary Benefits Offerings

But despite the unfamiliarity of the term, the types of insurance benefit offerings it can refer to are all too common. Offerings such as Dental and Vision insurance, Term Life insurance, Long-Term Disability Insurance, LifeLock, Pet Insurance, among many others are among the most popular ancillary benefit offerings companies and associations can offer their employees.

inside of dental office with toolsDental and Vision Insurance

Providing your employees with dental insurance can benefit you as much as them. According to the Mayo Clinic, regular dental check-ups can improve an individual’s personal health and having dental insurance can help save your employees from additional costly expenses should more serious treatments be needed. As is the case with anything health related, regular check-ups are the key to catching any potential problems early and avoiding costly procedures later on.

Like dental check-ups, regular eye exams not only diagnose vision problems but can also provide early detection of serious health problems. Vision insurance is frequently offered alongside dental insurance and can be every bit as beneficial for employees to have as poor vision can result in everything from migraines, to blindness, and more.

Term-Life Insurance

Life insurance provides crucial financial protection for your family if something were to ever happen to you. An offering like this would help to give your employees peace of mind and let them know that you are looking out for their family’s financial future. It is not uncommon for Accidental Death & Dismemberment (AD&D) insurance to be included as well.

man in a wheelchair rolling down street next to carLong-Term Disability Insurance

Long-Term Disability insurance has been designed to help protect your employee’s financial well-being in the event an accident or illness occurs outside of the workplace. It is estimated that just over one in four of today’s 20-year-olds will become disabled before they retire. Long-Term Disability insurance helps your employees replace their lost income if they have an accident or illness that prevents them from working. Leading Long-Term Disability Insurance provider Guardian, can provide your employees with up to $10,000 in monthly disability coverage.


In today’s internet age, you can never be too careful when it comes to protecting your identity. According to the 2017 Identity Fraud Study, conducted by Javelin Strategy & Research over $16 billion was stolen from 15.4 million consumers in the U.S. in 2016—up 700 million from the previous year. With cyber criminals showing no sign of slowing down, it falls on individuals to protect their identity with smart banking practices and services offered by companies such as LifeLock.

LifeLock is a great ancillary benefit for employers to offer to their employees and is becoming arguably as important as health insurance to have.

Pet Insurance

Nothing will show your employees that you value them and their happiness more than by offering pet insurance for their four-legged friends. Just like the health costs for your employees, vet bills can be every bit as expensive. But by offering your employees pet insurance, they will be able to make sure that their pets stay as healthy as possible and be reimbursed for their vet visits via their pet insurance company.

Why Your Association Should Offer Ancillary Benefits

When benefit programs meet employees’ needs, employers enjoy a significant competitive advantage in attracting and retaining valuable employees. In addition, employees are more satisfied and become more willing to stay with your company. When you go through your association program, you get access to rate and participation concessions on Dental, Vision, Life, Disability, and more!

To see the insurance benefits we currently offer, please visit your association page

Visit a Dentist— ANY Dentist

You chose a dental plan that can help you save1 and get the care you need.

No matter who your dentist may be, with the MetLife Preferred Dentist Program, the power to choose and save is yours.

Here are the facts:

  • You can go to any licensed dentist, in or out of the network.
  • Reimbursement for your out-of-network dental care is based on the 90th percentile of “reasonable and customary” charges1. We look at what dentists in your area actually charge for services, and we calculate reimbursement based on the 90th percentile of those charges.
  • The way we determine allowable charges for the 90th R&C means your eligible benefit amount for out-of-network care is high relative to average dental charges in the community. This helps you pay less out of pocket.
  • Sometimes when you visit an out-of-network dentist you may have to pay part of the bill. This is called balance billing. But with a 90th percentile R&C plan, in most cases you won’t be balance billed above your typical out-of-pocket costs – your deductible, coinsurance amount and your plan maximum.

Take charge of your dental care

Talk to your dentist

Before you get any major dental work, you should talk to your dentist about getting a pretreatment estimate2. That’s when your dentist sends the plan for your care to MetLife.

For most procedures, you and your dentists will receive the estimate – online or by fax – during your visit. The statement shows amounts for what your plan covers. Then  you and your dentist can talk about your care and costs before your treatment. It’s a great way to be prepared and plan ahead.

Get your plan information – fast!

Managing your dental benefits has never  been easier. You’ve got MyBenefits – your secure member website. Just log on at With the 24/7 website you can3:

  • Review your plan information, including what’s covered and coinsurance
  • Track your deductible and plan maximums
  • Find a dentist or view your claim history
  • Read up on the oral health information you need to make informed decisions about your care

Take a look at the charts below. They will give you a better idea of how your plan works when you visit a participating (in-network) or a non-participating (out-of-network) dentist.

The 90th bar

This chart shows how often plan members across the nation usually go to a participating or non-participating dentist. It also shows just how rare it is for you to pay more than your typical out-of-pocket costs.

Savings example

This hypothetical example shows that whether you get a cleaning from a participating or non-participating dentist, you can still save money4.

Visit any licensed dentist. The choice is all yours!

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations, and terms for keeping them in force. Please contact MetLife or your Plan Administrator for complete details.

Learn more about your dental plan.

1R&C fee refers to the Reasonable and Customary (R&C) charge, which is based on the lowest of 1) the dentist’s actual charge, 2) the dentist’s usual charge for the

same or similar services or the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife.

2Actual benefit determinations are made when services are rendered and are subject to the following as applicable on the date of service: patient eligibility; plan and frequency limitations; maximums and deductibles; and other coverages.

3With the exception of scheduled or unscheduled systems maintenance or interruptions, the MyBenefits website is typically available 24 hours a day, 7 days a week.

4Please note: This is a hypothetical example that reviews an adult teeth cleaning (D1110) in the Chicago area, zip 60601.  It assumes that the annual deductible has been met.

5This example excludes non-participating dentists who charge more than what 90% of what other dentists in the area charge. Please note that if you receive care from a dentist that falls into this category, your out-of-pocket costs may be higher.

6Negotiated Fee refers to the fees that in-network dentists have agreed to accept as payment in full, subject to any co-payments, deductibles, cost sharing and benefits maximums.

Young People Discussing Group Insurance Benefits with an agent

3 Benefits of Group Health Insurance For Employers

Group health insurance is usually provided by an employer and can cover just the employee or even the employee’s spouse and children.

Not providing group health coverage could be a major misstep for some companies regardless of size, as there are a number of benefits to providing Group Health Insurance coverage.

1. Lower Costs Than Individual Plans

There is no question that the term health care reform has been a hot-button topic and on the lips of nearly every politician regardless of political party over the course of the past 10 years. In light of the Affordable Care Act, it has now become more affordable to purchase Group Health Insurance than for your employees to purchase health insurance individually.

Level-funding insurance plan options have been growing in popularity over the past number years. Level-funded plans are ERISA compliant and may offer more flexibility for employers with virtually no risk and offered by several reputable insurance carriers with a nationwide network of hospitals and physicians to choose from.

What has many employers especially excited about these plans is the opportunity for 10%-15% in lower premium costs and the Return of Premium potential. Unlike other policies on the market, with level-funded options, if your employees don’t rack up a large number of claims throughout the year, your company may have a substantial amount of money (originally paid in premiums) returned.

Insurance Agent Explaining Group Insurance to employee2. Attraction and Retention

If looking at the cost of a group health insurance plan leaves you feeling queasy and the idea of paying the tax penalty sounds more appeal, you may want to think twice.

As job seekers now expect for their employers to at least partially cover their healthcare needs through group health insurance policies, walking into a job interview and being told that the company refuses to pay health care for full-time workers is a red flag. Even if a potential employee is in trouble financially, they may still take the job out of desperation but will jump ship as soon as they can afford to for greener pastures.

Providing Group Health Insurance for your employees shows a certain level of care and respect that new and existing employees will appreciate and keep in mind going further within your company.

3. Tax Benefits of Providing Group Health Insurance

In some cases, it’s possible that providing your employees with Group Health Insurance could give you a welcome tax write-off, not to mention added tax benefits for your employees.

Payments made to group health insurance premiums, reimbursement plans (HRAs), and Health Savings Accounts (HSAs) are generally all eligible for tax advantages as all of these payments can be made as pre-tax contributions.

As an added bonus, qualifying health insurance plans may also be eligible for HSAs for their employees. HSA’s are 100 percent owned by the individual employee and not tied to you in any way. In a 2015 study conducted by Devenir compiled data from the top twenty HSA providers in the U.S. and found a 1775% increase in assets between 2006 and 2015, showing that now more than ever, people are choosing to invest their money in HSA’s rather than insurance plans with more coverage.


Member Benefits has been in the insurance brokerage business for over 30 years and is the recommended broker of The State Bar of Missouri. To see the insurance benefits we provide to The State Bar of Missouri, visit

To see what Member Benefits can do for your business, visit

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