SEPTEMBER 2009 - Association of Marina Industries
SEPTEMBER 2009 - Association of Marina Industries SEPTEMBER 2009 - Association of Marina Industries
Need a Little Help Navigating Employee Benets Programs The Association of Marina Industries (AMI) can provide the guidance you need to help make informed buying decisions — smart buying decisions. Finding the right coverage for your employees Sorting through the myriad of coverage options available today can be time consuming and dicult, especially for AMI members, who are usually busy with other aspects of running a business. AMI members looking for employee benefit solutions now have the buying power of the association and the security of working with a trusted partner, Dynastar Benefits Group, an experienced employee benets brokerage. The AMI employee benefits program was developed to help members wade through the choices. The AMI employee benets program provides: • Direction for members looking to adopt an employee benefits program but don’t know where to start • Experienced employee benets consulting and planning to help AMI members recruit and maintain a talented workforce • Individualized attention to address the unique needs of employers • Guidance in the implementation of employee benefits programs AMI and Dynastar have developed a number of programs to help association member companies nd solutions that protect hard-working employees and oer reliable options from dependable carriers. Dynastar uses its industry expertise to help develop quality plan options that match the individual business owner's needs. Recently AMI and Dynastar established a relationship with HM Life Insurance Company to develop a Limited Benet Medical program that oers dierent plans and premium levels. Together, Dynastar and HM can help nd health coverage that is right for every group. This is just one example of how businesses like yours can take advantage of Dynastar's expertise in nding the right employee benets solution. Take a look at the Limited Benet Medical Plans on the reverse side of this sheet to see the options developed for AMI members. Interested in learning more Go to www.amiemployeebenets.com or call 719.313.9578 to speak to Shawn, your AMI benets specialist, who can address your particular needs. 20
Association of Marina Industries – HM Care Advantage Benet Summary Benet Schedule Value Standard Premium Oce Visits – Physician/ Licensed Practitioner Daily In-Hospital Additional Daily Benet for First Day of Hospital Connement Surgery Anesthesia Outpatient Diagnostic Testing Provider Network $60 per Visit 5 Visits $100 per Day 30 Days $100 First Day 1 Admission $500 Max. per Surgery Based on Schedule 2 Surgeries 20% of Scheduled Surgery Benet $100 per Testing Day 3 Days Reduces Fees from Network Providers $80 per Visit 5 Visits $200 per Day 30 Days $200 First Day 1 Admission $500 Max. per Surgery Based on Schedule 2 Surgeries 20% of Scheduled Surgery Benet $125 per Testing Day 3 Days Reduces Fees from Network Providers Hospital Emergency Room Not Included $250 per Visit 2 Visits Inpatient Visits – Physician Not Included $100 per Visit 3 Visits $100 per Visit 5 Visits $500 per Day 30 Days $500 First Day 1 Admission $1,000 Max. per Surgery Based on Schedule 3 Surgeries 20% of Scheduled Surgery Benet $300 per Testing Day 3 Days Reduces Fees from Network Providers $500 per Visit 3 Visits $100 per Visit 3 Visits Daily Intensive Care Unit Not Included Not Included $1,000 per Day Replaces In-Hospital Days Outpatient Hospital Services Not Included $200 per Treatment Day 2 Days Wellness Screening Test Wellness Service Outpatient Prescription Drug Insurance* (Dependent-only coverage is not available.) *Provided by Fidelity Security Life Insurance Company. $150 per Test 1 Test $75 per Service 1 Service Not Included (See Pharmacy Discount Card) $150 per Test 1 Test $75 per Service 1 Service $10 Co-pay Generic Formulary $15 Co-pay Generic Oral Formulary Contraceptives $50 Co-pay Brand Name Formulary $1,000 Max. Benet $250 per Treatment Day 2 Days $150 per Test 1 Test $75 per Service 1 Service $10 Co-pay Generic Formulary $15 Co-pay Generic Oral Formulary Contraceptives $50 Co-pay Brand Name Formulary $1,000 Max. Benet Indemnity Benefits shown are per calendar year per covered person. The calendar year is the employer-defined benefit cycle. This Benefit Summary is not intended to be a complete or legal description of the program of benefits. Certain exclusions and limitations apply and may vary by state. HM Care Advantage pays a fixed amount for medical services. It does not provide major medical or comprehensive medical coverage. Starting at less than $45 per month per employee, the plans at the left were developed for the Association of Marina Industries . About HM Care Advantage HM Care Advantage pays a xed amount for medical services. The benets can be paid directly to the provider or to the employee, whichever the employee prefers. Complementary discount and wellness programs round out the coverage offering, and a provider network helps reduce out-of-pocket expenses. Additional value-added benets include: • Health Information On-Call • Complementary Wellness Discount Program • Health Information On-Line • Pharmacy Discount Card** • Vision Discount ** Replaced by insured prescription drug coverage when insured coverage is offered Monthly Premium Costs Value Standard Premium Employee $44.11 $95.14 $114.70 Employee + Spouse $80.12 $167.65 $264.31 Employee + Children $81.16 $181.48 $278.14 Family $117.05 $253.83 $397.59 The rates shown above are contingent upon the employer contributing at least 100% of the premium for the lowest priced employee-only plan. About HM Life Insurance Company HM Life Insurance Company is a member of the HM Insurance Group, based in Pittsburgh, PA. HM Insurance Group, a Highmark Company, oers a product portfolio featuring HM Worksite Advantage — Critical Illness, Accident and Disability Income plans — and HM Care Advantage, a limited benet medical plan. HM is a recognized leader in excess loss and reinsurance including Employer Stop Loss, Provider Excess and HMO Reinsurance. HM Life Insurance Company has received “A-” (Excellent) ratings from A.M. Best Company, one of the country’s oldest and most respected rating agencies. Interested in learning more Visit AMI's benets site, www.amiemployeebenets.com, or call 719.313.9578 to speak to Shawn, your AMI benets specialist, who can address your particular needs. HM Care Advantage is an HM Life Insurance Company product administered by Key Benet Administrators (KBA). Based on the plan selected, Medical and Vision coverages are underwritten by HM Life Insurance Company, Pittsburgh, PA, under policy form series HM905, HL902 or similar. For other insured products when available: Dental and Outpatient Prescription Drug coverages are underwritten by Fidelity Security Life Insurance Company, Kansas City, MO, under policy form series M-9037 and M-9031/M-9022. Administrative and/or customer support services when available are provided: for Health Information On-Call – Health Dialog Services Corporation; for Complementary Wellness Discount Program – Healthways Whole-Health Networks, Inc; for Health Information On-Line – HealthMedia® Inc.; for Pharmacy Discount Card – Caremark, Inc; for Vision – Davis Vision; for Provider Network Discount – MultiPlan and Indiana Health Network. Other administrative and/or customer support services may be provided by HM Life Insurance Company and HM Benets Administrators. Certain exclusions and limitations may apply. See your certicate or other evidence of coverage for details. Coverage or service requested or the use of a specic association, franchise, trust or union may not be avail-able in all states. MTG - 1320 (08/14/09) 21
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- Page 3 and 4: 3 Industry News Study Tour Marinas
- Page 5 and 6: 5 Industry News Continued from Page
- Page 7 and 8: 7 Conference Corner Continued from
- Page 9 and 10: Technical Advice From Bob Adriance
- Page 11 and 12: 11 Legislation & By Wendy Larimer p
- Page 13 and 14: Clean Marina & Environmental News C
- Page 15 and 16: Clean Marina & Environmental News C
- Page 17 and 18: Around The World World First Certif
- Page 19: Training & Certification By Kayce C
- Page 23 and 24: News From Washington By Larry Innis
- Page 26: AMI Contact Information Merritt Alv
Need a Little Help Navigating<br />
Employee Benets Programs<br />
The <strong>Association</strong> <strong>of</strong> <strong>Marina</strong><br />
<strong>Industries</strong> (AMI) can provide<br />
the guidance you need to help<br />
make informed buying decisions<br />
— smart buying decisions.<br />
Finding the right coverage for your employees<br />
Sorting through the myriad <strong>of</strong> coverage options available today can be time<br />
consuming and dicult, especially for AMI members, who are usually busy<br />
with other aspects <strong>of</strong> running a business. AMI members looking for employee<br />
benefit solutions now have the buying power <strong>of</strong> the association and the security<br />
<strong>of</strong> working with a trusted partner, Dynastar Benefits Group, an experienced<br />
employee benets brokerage. The AMI employee benefits program was<br />
developed to help members wade through the choices.<br />
The AMI employee<br />
benets program<br />
provides:<br />
• Direction for members looking to<br />
adopt an employee benefits program<br />
but don’t know where to start<br />
• Experienced employee benets<br />
consulting and planning to help AMI<br />
members recruit and maintain a<br />
talented workforce<br />
• Individualized attention to address<br />
the unique needs <strong>of</strong> employers<br />
• Guidance in the implementation <strong>of</strong><br />
employee benefits programs<br />
AMI and Dynastar have developed a number <strong>of</strong> programs to help association<br />
member companies nd solutions that protect hard-working employees and<br />
oer reliable options from dependable carriers. Dynastar uses its industry<br />
expertise to help develop quality plan options that match the individual business<br />
owner's needs.<br />
Recently AMI and Dynastar established a relationship with HM Life Insurance<br />
Company to develop a Limited Benet Medical program that oers dierent<br />
plans and premium levels. Together, Dynastar and HM can help nd health<br />
coverage that is right for every group. This is just one example <strong>of</strong> how businesses<br />
like yours can take advantage <strong>of</strong> Dynastar's expertise in nding the right<br />
employee benets solution.<br />
Take a look at the Limited Benet Medical Plans on the reverse side <strong>of</strong> this sheet<br />
to see the options developed for AMI members.<br />
Interested in learning more<br />
Go to www.amiemployeebenets.com or call 719.313.9578 to<br />
speak to Shawn, your AMI benets specialist, who can address your<br />
particular needs.<br />
20
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