February, 2009 - Ways to Reduce Your Medical Insurance Premiums
Health insurers continue to increase premiums on renewal.

Health Savings Accounts
By switching to a high deductible health plan, you can reduce premiums significantly and use the savings to contribute to a health savings account that belongs to you. Contribute up to $3,000 as an individual or $5,950 with family coverage. Add another $1,000 if you are between the ages of 55 -64. Unused funds rollover from year to year.

Investigate RAF Sales
Health plans are still very interested in growing enrollment. They offer incentives through discounts off their rate adjustment factors (RAFs) for you to change health plans. Instead of your medical rates increasing this year, we might be able to help you lower them.

5% Membership Discount
If you are currently insured with Blue Shield, or are considering them, your association membership can earn you a 5% premium reduction. Call us.

Mercer Select HRKnowHow
Do you play a role in your medical group’s health care and benefit plan decisions? If you do, you know that staying current on the issues is challenging, especially with today’s increasingly complex marketplace and regulatory conditions. Mercer Select HRKnowHow may be the perfect solution for you. Access to the following is included at no charge for all members who purchase group health insurance through Marsh:

• Mercer Alerts, Updates and Perspectives, which provide timely news and analysis of important benefit issues
• Compliance Link tool to assist with health care and group benefit plan administration on topics such as: Cafeteria Plans, ERISA, COBRA, FMLA, Domestic Partnership and HIPAA
• Notices and Forms Connection for the topics above to help you complete employer requirements
• California-specific news and analysis to keep you abreast of state compliance issues

Click here to download a census form. Complete it and fax it to Marsh at 213-346-5946 for a premium indication. Or call a Client Service Representative at 800-842-3761. (Requires Acrobat Reader.)

---

January, 2009 - Long Term Disability
Click here to download the latest Long Term Disability Insurance Enrollment Kit.