Through a unique arrangement with Blue Shield of California, groups of 2 – 50 members and employees have access to Blue Shield’s small group medical plans with a special 5% discount due to their CMA membership. This saving is also included on the high deductible health plans for Health Savings Accounts. In addition, in order to facilitate the enrollment process, no medical questions need to be answered to enroll. However, you can qualify for even greater savings if your group answers a few medical questions on a Probable Action Form. This discount is only available if your application is submitted through Marsh Affinity.

For a quote, please call a Marsh Client Service Representative at 800-842-3761.

Preferred Provider Program

• $50 Calendar Year Deductible ($100 per family)
• $2,000 Calendar Year Benefit In-Network / $1,500 Calendar Year Benefit Out-of-Network
• No Deductible for Preventive Services
• Choose Your Dentist from a Network of Providers and Receive a Higher Benefit
• Orthodontia Benefits ($500 per Calendar Year Maximum)

Underwritten by: The Guardian (rated "A+" by A.M. Best and Company)

• Merit Rating Discount Program – With a claims free history, you are eligible for a lower rate. Available to members not large enough to qualify for their own experience modification factor.

• Dividend Eligible Program – This means with favorable program experience over time, members may receive a portion of their premiums back as dividends.*

• iCustomer Series® Portal – Access to Fireman’s Fund exclusive online claims reporting system plus access to free loss prevention tools to help reduce your risk of employee injury.

• Premium Discounts – Based on the size of your premium, additional premium discounts may be applied.

• New Ventures – New physician practices will not be surcharged as they may be with other companies during the first two or three years.

* Payment of future dividends cannot be promised or guaranteed. Past dividend performance is no guarantee of an insurer’s future dividend performance.

Underwritten by Fireman's Fund Insurance Company (rated "A" by A.M. Best and Company)

Examples of Covered Expenses Include:

• Rent
• Deposits to Health Savings Accounts
• Employee Salaries
• Utilities
• Association Dues
• Professional Liability Premiums

Members under age 60, working full-time, are eligible to apply for benefits of up to $10,000 per month. Medical specialty definition of disability is included. Benefits are payable as long as you remain disabled up to a maximum of 15 months. In a group practice, it pays your share of fixed expenses.

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

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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

For more information or to enroll on-line:

Go to www.MetLife.com/MyBenefits and enter "CMA" in the Company Name field.

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

Coverages included:

• Replacement cost for buildings and business personal property
• Automatic inflation protection
• Building ordinance/law – $100,000 limit*
• Automatic seasonal increase
• Glass - interior/exterior
• Signs – interior/exterior
• Theft
• Money and securities – $10,000 in/$2,500 out limit
• Accounts receivable – $15,000 limit*
• Valuable papers – $15,000 limit
• Computer equipment/software – $15,000 limit*
• Off-premises(including Transit) – $15,000 limit*
• Income support properties
• Loss of business income and extra expense
• Tenants legal liability – $100,000 limit*
• High limit business liability protection
• Medical payments - $10,000 limit
• $2 million/$4 million liability limit
• Umbrella limits up to $5 million
• Business Owners' Extension Endorsement – provides increased limits for additional coverages (computer equipment, accounts receivable, etc., subject to a $250,000 blanket limit of insurance.

* Higher limits may be available.

Underwritten by Fireman's Fund 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)

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)

Highlights Include:

• $25,000 Deductible (all cause)
• 3 year Accumulation Period
• Benefit Period of 5 Years
• Maximum Benefit of $2,000,000 (per Benefit Period, per person)
• Convalescent Home Benefit of $500 per week (up to 3 years)

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