FAQs2018-02-08T19:34:01+00:00

Frequently Asked Questions

Answers to your most frequently asked questions.

FAQs

What is the MHP?2018-02-09T15:24:23+00:00

The Members Health Plan (MHP) is a new way to cover both you and your employees’ health benefits with some great financial benefits for your company. It is a self-funded, health-benefit trust for Texas law firms. This plan was designed to help with the increasing cost of healthcare benefits while also giving you access to a broader choice of health care benefits.

How do I get more information about the plans and receive a quote?2018-02-09T15:25:30+00:00

For more information please contact the plan administrator, Texas Member Benefits at (800) 282-8626. You can also e-mail support@memberbenefits.com.

Or, Click here to get a quote.

Do these plans comply with the ACA?2018-02-09T15:27:44+00:00

These plans comply with all ACA mandates applicable to self-funded plans as well as certain state requirements. The MHP covers ACA-compliant Essential Health Benefits with the exception of pediatric dental coverage.

How will I be billed?2018-02-09T15:30:26+00:00

Payment of healthcare funding will be required monthly. In an effort to keep our administrative costs as low as possible, an automatic withdrawal from your bank account via an Automatic Clearing House (ACH) transaction is required. To set this up, you must complete the provided automatic withdrawal form and include it when turning in your application.

How is the MHP regulated and protected?2018-02-13T14:41:06+00:00

The MHP is regulated by the Texas Department of Insurance (TDI). These state regulators monitor the MHP to ensure appropriate surplus is available to cover unforeseen risk and protect its solvency. The MHP also maintains stop-loss insurance to provide additional protection to plan participants. You can feel confident about the stability of the MHP as it is closely monitored by the Internal Revenue Service, The Department of Labor, and the TDI.

How will group funding rates be determined?2018-02-13T14:30:08+00:00

Unlike ACA rates that are solely determined by age, location, family size, and smoker status, your group rates will be based on additional factors, such as gender and medical history. The expanded criteria of the MHP for pricing your benefits allows us to tailor the costs to the unique characteristics of your group, recognizing the preferred health status that you may have.

Your rates will also include fixed components such as administrative, and stop-loss fees (a form of protection against excessive claims for your group and the overall MHP), and will be billed on a monthly basis.

What are the advantages of the MHP?2018-02-13T14:38:57+00:00
  • The MHP offers rate stability, the flexibility of benefits options, and recognition of preferred health status.
  • Employees can choose from many health options, including Health Savings Accounts (HSAs) with varying deductibles and co-insurance.
  • There are multiple comprehensive pharmacy coverage options to choose from.
  • The MHP may be less expensive for your group than similar ACA plans because it considers
    criteria unique to your employees such as medical history.
What are the benefits of using the MHP for my group’s health coverage?2018-02-09T16:32:02+00:00

The MHP was designed to manage your healthcare costs, and provide benefit plans that may be a better fit for your firm’s group health benefits than your existing plan. Because the MHP is a self-funded plan, it has many benefits, including:

  • The ability to select a range of deductible options to help keep costs low.
  • The cost of the benefits better reflect the unique health of you and your employees, recognizing that a healthier team should create a better benefits cost outcome.
  • All MHP benefits options are tied to the Larger Cigna PPO network of doctors and hospitals.
  • With this plan, you and your employees receive access to a team of licensed Benefits Counselors to assist in making important health coverage decisions.
Who can apply?2018-02-09T16:33:03+00:00

To apply, you must be a law firm domiciled in Texas with at least one additional (non-spouse) full-time W-2 employee.

What other benefits are offered with the MHP?2018-02-09T16:34:27+00:00

Other non-medical related add-on benefits include:

  • Ancillary products such as dental and vision coverage
  • Health Savings Accounts
  • HR and Benefits Management Platform

Click here to learn more about these products.