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May 17, 2012

Health Insurance

Nothing about health care is simple - from understanding the effects of new legislation, to figuring out how to shuffle budget dollars to mitigate steadily rising costs. Our sponsored health insurance program is designed to help nonprofit HR professionals navigate this maze, and to select the plan option that provides the most value for their organization's staff.

Because of an important state law passed in the '90s (Small Group Market Reform), we are able to offer coverage to employer groups as small as one full-time employee. Plans offered include: Aetna, CareFirst, Coventry Health Care of Delaware, Kaiser Permanente, United Health Care, etc. Each company has an HMO and at least one alternative that offers individuals the ability to access care outside of the network. There are also employer contribution, deductible, prescription, and co-insurance options available with each plan.

For a free quote, please email the following information to Allison Albert:

Company contact information (address, phone, general email)
Number of employees that will be covered by insurance
Hours worked by each employee (must be at least 17.5+/week)
Dates of birth for each enrolling employee

Member Pricing

For groups with fewer than 50 employees:
Your rate is set by the State Insurance Commission, and is based on the age of enrolling individuals and the geographic location of your organization. It will not vary from provider to provider. Choosing to purchase your insurance through the Maryland Nonprofits program will afford you the added value of time-savings. There is one enrollment process for all insurance products; one invoice designed to make expense allocation easier; one telephone number to call for problem resolutions, benefit explanations, and supplies. You will never have to wait for the "Next available customer service representative."

In addition, by purchasing your benefits through the Maryland Nonprofits program, you help support the association. Maryland Nonprofits earns royalties on your premiums. These royalties support training, technical assistance, and other membership activities.

For groups with more than 50 employees:
Our administrator, Gorges & Company, Inc., will work with you to design a benefits program and obtain quotes from vendors. Once you decide on a vendor, you will get the same level of personal attention as is given to smaller organizations.