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Following are brief outlines of sponsored insurance program features. To receive information on any of these programs, please complete an Interest Form.
If you have any questions regarding the sponsored insurance programs please contact a Marsh Client Service Representative at 888-882-2269 or e-mail us at NYCBar.Insurance@marsh.com. This web page is for illustrative purposes only, and is not a contract. It is intended to provide a general overview of the services described. Remember that only the policy can provide the actual description of services, terms, conditions and exclusions. |
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Open a Health Savings Account! Sign up online with ExanteBankHSA.com
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| Medical | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Members have an opportunity to lower premium costs, save on federal taxes, increase freedom of choice and utilize health care services more efficiently. Thanks to Health Savings Accounts (HSAs), members have a new way to help save for qualified medical and retiree health expenses on a tax-free basis. Among the HSA advantages are: | ![]() |
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In order to qualify for a health savings account, an individual must be covered under a qualifying high deductible health plan (HDHP). Oxford has arranged for members to open their Health Savings Accounts with Exante Bank. Click here to go to www.exantebankhsa.com and open your HSA today! Or, consider the most popular plan among City Bar members the Freedom Plan MetroSM, designed to reduce health insurance expenses for you, your dependents and your employees without having to sacrifice your choice of physicians. With the Freedom Plan Metro, you have access to Oxford’s extensive network of over 65,000 physicians. However, you pay for more of your care as you receive it, through higher co-payments rather than through higher premiums, regardless of whether or not you use medical services. Oxford also offers their traditional Point-of-Service programs that differ by deductible. All three plans cover most in-network benefits either with no charge or with a small copayment. Out-of-network benefits are covered subject to deductibles and coinsurance. In addition, you pay the difference between the provider's charges and Oxford's usual, customary and reasonable allowances. Premiums for all options are based on the New York borough or county your firm is located in. |
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* Including deductible
Brief Highlights of the High Deductible Health plans: |
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Underwritten by: Oxford Health Plans (rated "A-" by A.M. Best and Company)
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| Term Life | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Your family relies on you for financial protection. But what would happen to them if you were not there? Through the Association's Term Life program:
Members under age 45 may apply for up to $75,000 in coverage by completing a short application. |
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| Catastrophe | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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This high deductible ($25,000 per sickness or injury) program provides a supplement to your basic medical program. It is particularly attractive to members who are in HMO programs and would like the flexibility to receive out-of-network treatment for catastrophic illness. Also included is a convalescent home benefit of $300 per week for up to 3 years.
Underwritten by: The United States Life Insurance Company in the City of New York (rated "A+" by A.M. Best and Company). |
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| LTC | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Up to $10,000 per month available.
Members receive a 5% premium discount through MetLife and John Hancock. We can arrange to have a Long Term Care specialist meet with you to discuss your needs. |
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| BOE | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Overhead expenses don't stop just because you become disabled. Don't divert your Long Term Disability benefits to pay for business expenses.
Business Overhead Expense insurance is an economical way to pay many fixed business overhead expenses when you are totally disabled, such as:
Monthly Benefit Amount: Underwritten by: First Unum Life Insurance Company (rated "A-" by A.M. Best and Company) |
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| AD&D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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This insurance program covers you 24-hours a day, 365 days a year. Your acceptance is guaranteed to age 70! Unlike some plans, this plan is not limited to just certain accidents (car, plane, etc.). This insurance plan pays regardless of any other insurance you may have.
Benefit Amounts:
Underwritten by: First Unum Life Insurance Company (rated "A-" by A.M. Best and Company) |
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| Auto&Home | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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The Group Savings Plus® Program provides special discounts on automobile and homeowners premiums for members of the Association. There is an additional discount if both policies are purchased through Liberty Mutual.
Highlights of the Group Savings Plus Program
For more information, call Liberty Mutual at 1-800-524-9400. |
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| BOP | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| A Business Owners Package plan is now available through the Association. Call for more information: 888-882-2269. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Questions?
Call Marsh at 888-882-2269 or e-mail us at NYCBar.Insurance@marsh.com
© 2008 Seabury & Smith Insurance Program Management |
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