FAQs

• Who is eligible to participate in these plans?

  All NAM and NAM affiliate members may participate if they have the required number of eligible employees.

   

  If your business is located in an AHP state, in order to get a quote you need to have a minimum of 2 eligible employees and a maximum of 99 eligible employees, SIC codes (2,000-3,000) or NAICS codes (31, 32 ,33), can purchase a plan through NAM Health Care. Please note that in order to participate in the plan, you must have a minimum of two employees enrolled. You will need 50% of your eligible employees to participate in the plan.

   

  If your business is located in an Affinity Small Group state, the minimum participation requirements will vary. In order to be eligible for the Affinity Small Group plans, you need to have a minimum of either 2 or 5 enrolled employees. Please see the map to determine what the minimum is for your state. The Affinity Small Group plans are only available to employers with a maximum of 50 employees, except for California which allows up to a maximum of 100 employees. Many states require a minimum of 50% of your eligible employees to enroll in medical coverage, however, some states do have higher requirements. Please reach out if you have questions.

• Can NAM Health Care help my business save money?

  The NAM Health Care plans may save you money on annual health insurance costs. To keep costs down for you and your employees, Mercer and the plan providers constantly monitor health care trends to take advantage of the latest innovations. The amount you elect is based on your unique business and your employees’ needs. The benefits to your employees remain the same regardless of how much you wish to contribute.

• Do I have to be a member to get a quote?

  Membership is not required to obtain a quote. For more information on the list of current participating affiliate manufacturing associations, please visit: www.namhealthcare.com.

• What coverage will be available?

  You will be able to offer any combination of Medical, Dental, Vision and Life insurance coverage. Your employees can use our guided shopping tools to select the most appropriate plans and benefits to fit their family needs. To explore the plans, click above on each product.

• When will the plan be available to my business?

  If your state indicates a later effective date, a quote will not be available to you right now. You’ll be contacted by representative with timeline information. If your state is currently TBD or out of scope, state regulations governing health insurance are beyond our control.

• How do I roll out these plans to my employees?

  Click the GET A QUOTE FOR YOUR BUSINESS button above or contact your broker. Enter your company’s employee census and other required documents. Within 5 business days, Mercer will contact you with your customized quote, known as the preliminary quote. After you accept your quote, you will be notified when your employees can sign up for coverage through Mercer’s secure web-based platform. Mercer’s support team will assist you with onboarding.

• Who will operate the plans?

  NAM Health Care will be operated by the plan’s Governing Committee made up of mostly small and medium-size manufacturers. This committee will manage NAM’s fully insured medical, dental, vision and life coverage with the support of Mercer and the plan providers.

• Who underwrites coverage?

  Coverage is underwritten by the plan providers and their affiliates. The plan providers also maintain fiduciary responsibility.

• Can I offer NAM Health Care in addition to existing health insurance?

  The NAM Health Care offering is required to be an exclusive product offering.

• How long are my rates guaranteed?

  When benefits go into effect, rates are set through their 12-month plan year.

• What if I am not the employer, but an employee of a member organization?

  As an employee, you should contact your HR department for access to benefits information.

• What is an AHP?

  An AHP, or association health plan, is a type of group health insurance that allows smaller companies to band together to receive access to the same benefits as larger companies. NAM Health Care also allows you to work with your current broker* (AHP only).

• What is an ASG?

  An ASG, or affinity small group health plan, will be offered in states where the AHP is not permitted. These are small group plans available for employers between 2-50 employees (2-99 employees in some states). You are not able to use your current broker with the ASG plan.

• Who is Mercer?

  Mercer delivers advice and technology-driven solutions that help organizations meet the health, wealth and career needs of a changing workforce. Mercer is a wholly owned subsidiary of Marsh & McLennan Companies (NYSE: MMC), the leading global professional services firm in the areas of risk, strategy and people. Through its market-leading companies including Marsh, Guy Carpenter and Oliver Wyman, Marsh & McLennan helps clients navigate an increasingly dynamic and complex environment. For more information, visit www.mercer.com. Follow Mercer on Twitter @Mercer.

• I already have a broker, can I obtain a quote?

  If you already have a broker, your broker may work directly with their UnitedHealthcare sales representative to obtain a quote.