About Health Plans

About Health Plans  

How NAM Health Care started

Not long ago, the National Association of Manufacturers observed the problem that their small to medium-sized member organizations did not have access to quality, cost-effective health plans. So, they teamed up with Mercer to develop NAM Health Care then worked with RSI to offer this to you. They wanted to offer the best possible package to small companies and manufacturers, and allow them access to the same types of coverage as Fortune-500-sized corporations. How did they make this happen? Check out, "What is an AHP?" and "What is an ASG?" below.
 

What is an AHP?

An AHP, or association health plan, is a type of group health insurance that allows smaller companies to band together to receive access to the same benefits as larger companies. NAM Health Care also allows you to work with your current broker.*

 

What is an ASG?

An ASG, or affinity small group health plan, will be offered in states where the AHP is not permitted. These are small group plans available for employers between 2-50 employees (2-99 employees in some states). You are not able to use your current broker with the ASG plan.

 

No-cost extras

Online HR Support

Online HR Support

Flex Spending

Flex Spending

Web-Based Onboarding

Web-Based Onboarding

 

 

NAM Health Care

 

 

 

UnitedHealthcare

 

 

Web-based onboarding solution

Mercer’s web-based onboarding solution can help you easily roll out new benefits to your employees while taking into account what is most important to them and you.
Using the onboarding solution, you are able to:

  • Work directly with US-based customer service agents that can assist you with all of your benefits questions.
  • Learn about the competitive and flexible Fortune 500-type product suite, including medical, dental, vision and life options.
  • Request a quote for your selected benefits.
  • Review quotes and purchase competitive benefit plans.
  • Select plan designs with access to employee contributions tools to help develop acceptable net costs for you and them. 

 

Employee enrollment and engagement

Once you have signed up, Mercer’s technology-based enrollment system will provide a streamlined, easy-to-use shopping experience. The site clearly explains the benefits available and provides a guided shopping experience, complete with tools to help employees select plans that will work best for them and their dependents.

 

Advantages for you

  • Customize plans for your company
  • One-stop plan administration and issue resolution
  • Reduce your administrative costs
  • Easy and simple web-based solution 

 

Advantages for your employees

  • Competitive premiums
  • Flexible product options
  • Easy-to-use, technology-based shopping experience
  • Agents dedicated to them
  • Access to a large preferred provider organization network

 

 

If your company is not yet a member of the NAM, or one of their affiliate associations, you can still get a quote!**

FAQs

  • Who is eligible to participate in these plans?

    All NAM and NAM affiliate members may participate if they have the required number of eligible employees.

     

    If your business is located in an AHP state, in order to get a quote you need to have a minimum of 2 eligible employees and a maximum of 99 eligible employees, SIC codes (2,000-3,000) or NAICS codes (31, 32 ,33), can purchase a plan through NAM Health Care. Please note that in order to participate in the plan, you must have a minimum of two employees enrolled. You will need 50% of your eligible employees to participate in the plan.

     

    If your business is located in an Affinity Small Group state, the minimum participation requirements will vary. In order to be eligible for the Affinity Small Group plans, you need to have a minimum of either 2 or 5 enrolled employees. Please see the map to determine what the minimum is for your state. The Affinity Small Group plans are only available to employers with a maximum of 50 employees, except for California which allows up to a maximum of 100 employees. Many states require a minimum of 50% of your eligible employees to enroll in medical coverage, however, some states do have higher requirements. Please reach out if you have questions.

  • Can NAM Health Care help my business save money?

    The NAM Health Care plans may save you money on annual health insurance costs. To keep costs down for you and your employees, Mercer and the plan providers constantly monitor health care trends to take advantage of the latest innovations. The amount you elect is based on your unique business and your employees’ needs. The benefits to your employees remain the same regardless of how much you wish to contribute.
  • Do I have to be a member to get a quote?

    Membership is not required to obtain a quote. For more information on the list of current participating affiliate manufacturing associations, please visit: www.namhealthcare.com.
  • What coverage will be available?

    You will be able to offer any combination of Medical, Dental, Vision and Life insurance coverage. Your employees can use our guided shopping tools to select the most appropriate plans and benefits to fit their family needs. To explore the plans, click above on each product.
  • When will the plan be available to my business?

    If your state indicates a later effective date, a quote will not be available to you right now. You’ll be contacted by representative with timeline information. If your state is currently TBD or out of scope, state regulations governing health insurance are beyond our control.
  • How do I roll out these plans to my employees?

    Click the GET A QUOTE FOR YOUR BUSINESS button above or contact your broker. Enter your company’s employee census and other required documents. Within 5 business days, Mercer will contact you with your customized quote, known as the preliminary quote. After you accept your quote, you will be notified when your employees can sign up for coverage through Mercer’s secure web-based platform. Mercer’s support team will assist you with onboarding.
  • Who will operate the plans?

    NAM Health Care will be operated by the plan’s Governing Committee made up of mostly small and medium-size manufacturers. This committee will manage NAM’s fully insured medical, dental, vision and life coverage with the support of Mercer and the plan providers.
  • Who underwrites coverage?

    Coverage is underwritten by the plan providers and their affiliates. The plan providers also maintain fiduciary responsibility.
  • Can I offer NAM Health Care in addition to existing health insurance?

    The NAM Health Care offering is required to be an exclusive product offering.
  • How long are my rates guaranteed?

    When benefits go into effect, rates are set through their 12-month plan year.
  • What if I am not the employer, but an employee of a member organization?

    As an employee, you should contact your HR department for access to benefits information.
  • What is an AHP?

    An AHP, or association health plan, is a type of group health insurance that allows smaller companies to band together to receive access to the same benefits as larger companies. NAM Health Care also allows you to work with your current broker* (AHP only).
  • What is an ASG?

    An ASG, or affinity small group health plan, will be offered in states where the AHP is not permitted. These are small group plans available for employers between 2-50 employees (2-99 employees in some states). You are not able to use your current broker with the ASG plan.
  • Who is Mercer?

    Mercer delivers advice and technology-driven solutions that help organizations meet the health, wealth and career needs of a changing workforce. Mercer is a wholly owned subsidiary of Marsh & McLennan Companies (NYSE: MMC), the leading global professional services firm in the areas of risk, strategy and people. Through its market-leading companies including Marsh, Guy Carpenter and Oliver Wyman, Marsh & McLennan helps clients navigate an increasingly dynamic and complex environment. For more information, visit www.mercer.com. Follow Mercer on Twitter @Mercer.
  • I already have a broker, can I obtain a quote?

    If you already have a broker, your broker may work directly with their UnitedHealthcare sales representative to obtain a quote.

*Your health insurance broker must be licensed in Michigan and appointed with UnitedHealthcare in order to obtain a quote. Alternatively, you can work with a Mercer broker to obtain a quote. Simply click the "Get a Quote" button above.

**Your company must join NAM, or one of their affiliates, prior to enrolling in a plan. 

NAM Health Care is fully ACA-compliant, administered by Mercer and sponsored by the National Association of Manufacturers (NAM). Medical, Dental, Vision and Life insurance are underwritten by the selected carriers. Plans are not available to member employers in all states. All licensed and appointed agents with the selected carriers have the ability to sell the NAM Health Care offering through an open-distribution model.