Following are brief outlines of various 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 (800) 775-2020 or e-mail us at COA.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.

• Professional Liability Program
• Workers' Compensation Program
• Business Owners Package Program
• Employment Practices Liability
• Medical Programs
• Dental Program
• Term Life Program

Open a Health Savings Account! Sign up online with HSABank.com

Professional Liability Insurance protects you against claims arising from real or alleged errors or omissions, including negligence, in the course of your professional duties. You pay only for the principals, employees or additional insureds, there is no extra premium for the coverage of your business. Additionally, there is no premium charge for coverage provided for opticians, technicians and assistants.

Select the coverage limits that suits your needs, up to $2,000,000 per incident, $4,000,000 annual aggregate.

Highlights Include:

• Legal fees and court costs paid for covered claims.
• Lost wages can be collected if you are required to appear in court due to a claim filed against you.
• You are covered for the performance of services as a member of a professional board or organization.

Underwritten by: The Chicago Insurance Company (rated "A" by A.M. Best and Company)

Workers' Compensation insurance is required by law and covers your employees in the event of a job-related injury. Coverage is standardized by state law and includes hospital and medical expenses, work-related disability income and a death benefit.

Underwritten by: Republic Indemnity Company of America (rated "A-" by A.M. Best and Company)

The Business Owners Package offers you insurance protection with these features:

• The Business Real Property You Own
• Business Personal Property
• Business Liability
• Premises Medical Payments
• Professional Liability Coverage also available as an endorsement on the BOP Policy

Underwritten by: Zurich Precision America (rated "A+" by A.M. Best and Company)

High Deductible Health Plans and Health Savings Accounts

Open a Health Savings Account if you already have a qualified high deductible health plan. Sign up online with HSABank.com

In order to open a Health Savings Account, you must satisfy these four eligibility guidelines: 1) you must be enrolled in a qualified high deductible health plan (not just a health plan with a high deductible), 2) you may not be covered under any health plan that is not a high deductible health plan, 3) not be enrolled in Medicare, and 4) not be claimed as a dependent on another person’s tax return.

Significant premium savings are available through a number of qualifying high deductible health plans (HDHP) on an individual or group basis. The following shows highlights of a few HDHP plans available to members. For more information or a quote on any of these plans, please call a Client Service Representative at 800-775-2020.

Blue Cross Programs
For Individuals and Small Groups (2 – 50)

You have a choice of health care programs for your family and your employees. Programs include: PPO, HMO and HSA.

HMO Plans:
• Low out-of-pocket costs and unlimited lifetime benefits for covered services.
• Minimal co-pays for office visits and self-referral for OB/GYN (women's health specialists).
• Specialty services include allergy, dermatology and ear, nose and throat.

PPO Plans:
• Direct access to the doctors, hospitals and specialists of your choice.
• Immediate (deductible-free) benefits on some plans for office visits and generic drugs.
• Low negotiated provider fees that substantially reduce your out-of-pocket costs.

This program lets you know exactly how much you're covered for in advance. A table of allowances will detail how much the program covers for each dental service. You are responsible for the difference between the allowed dollar amount and the dentist's filed fee, when using a Delta dentist (93% of California's dentists are Delta dentists.) If you are not using a Delta dentist, you are responsible for the portion of the fee not covered by the allowance, up to the billed amount.

Highlights Include:

• Calendar year deductible: $50 per insured/$150 per family
• No deductible on diagnostic and preventive services
• $1,000 maximum per calendar year for each insured

Underwritten by: Delta Dental (rated "A-" by A.M. Best and Company)

Highlights Include:

• At death, the face amount plus accrued cash values are paid
• No administrative fees or surrender charges
• You may skip payments to the cash account

Underwritten by: Metropolitan Life Insurance Company (rated "A+" by A.M. Best and Company)

Highlights Include:

• Loss of Use Benefit - 1% of Principal Sum Per Month
• Seat Belt Benefit - up to $10,000
• Spouse Retraining Benefit
• Private Pilots Coverage (20% of Face Amount to $250,000)
• Hospital Benefit

Underwritten by: Unum Life Insurance Company of America (rated "A-" by A.M. Best and Company)

Long Term Disability coverage helps protect your income in the event you become totally disabled.

Your Choice:

• Plan A – Medical Specialty Definition of Disability
You are protected in your medical specialty for the first 5 years of your total disability. The maximum benefit period is age 65 for both injury and sickness related disabilities. The plan includes Waiver of Premium and a choice of waiting periods (90, 120 or 180 days), Optional Benefits include Cost of Living Adjustment and more! Up to $10,000 per month is available after the selected waiting period for members under age 50. Members ages 50 - 54 may apply for up to $6,000 per month in benefits.

Underwritten by: Hartford Life Insurance Company (rated "A+" by A.M. Best and Company)
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• Plan B – Up to $6,000 per month is available after the selected waiting period. Choice of 5-Year Plan or Career Plan. The plans include Waiver of Premium and a choice of waiting periods (90 or 180 days). Additional benefits include Rehabilitation Benefit and Survivor Benefit.

Underwritten by: New York Life Insurance Company (rated "A++" by A.M. Best and Company)

Pays the normal and fixed expenses of running your office while you are disabled so you don't have to use your personal disability income.

Examples of Covered Expenses Include:

• Rent
• Utilities
• Professional Liability Premiums
• Employee Salaries
• Association Dues
• Leased Equipment

Apply for up to $15,000 per month in benefits. Benefits are payable as long as you remain disabled up to a maximum of 24 months. In a group practice, it pays your share of fixed expenses.

Underwritten by: Unum Life Insurance Company of America (rated "A-" by A.M. Best and Company)

Members receive a 5% premium discount through MetLife and John Hancock. Special plans (Carve-Outs) may be written to cover only physicians in a practice.

Long Term Care benefits are payable upon the loss of two of the six Activities of Daily Living (ADLs) or cognitive impairment.

There is an additional premium discount if both you and your spouse purchase coverage at the same time. Applicants in good health may receive further discounts.

Coverage is also available to employees of members, parents, parents-in-law and grandparents.

We can arrange to have a Long Term Care specialist meet with you to discuss your needs.

Underwritten by: Metropolitan Life Insurance Company (rated "A+" by A.M. Best and Company) and John Hancock Life Insurance Company (rated "A++" by A.M. Best and Company)

The new Group Savings Plus® Program provides special discounts on automobile and homeowners premiums for COA Members. There is an additional discount if both policies are purchased through Liberty Mutual. Non-members may also apply, but they will not be eligible for the discounts.

Highlights of the Group Savings Plus Program

• Covers automobiles, homes, personal articles, personal umbrella policies, valuable possessions, seasonal dwellings and recreation vehicles.
• 24-hour roadside assistance* and round-the-clock claims service
• Enroll over the phone or visit a local office.
• Contractor Network Referral Program

For an on-line quote, please go to Liberty Mutual's Quote Page at www.libertymutual.com/lm/coa. Or call Liberty Mutual at 1-800-524-9400.

* Service applies to auto policyholders and is provided by Cross Country Motor Club of Boston, Inc., Boston, MA or through Cross County Motor Club of California Inc., Boston, MA.

Underwritten by: Liberty Mutual (rated "A" by A.M. Best and Company)

Questions?
Call a Client Service Representative at (800) 775-2020 or e-mail us at COA.Insurance@marsh.com

To receive information on the sponsored programs complete an Interest Form