VMA Insurance Services
As a VMA member, you have exclusive access to the VMA Insurance Services program. The Insurance Services are highlighted by our Property and Casualty Insurance and Group Benefits Programs. Our overarching goal is to provide your company and employees with a robust benefits solution that offers a wide array of options to meet your company’s needs.
Property & Casualty
Medical
Dental
Vision
Life & Disability
Value-added
HSA/FSA
Property & Casualty Insurance
 
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Our Manufacturers Property and Casualty insurance coverage options are tailored to your needs:
We Offer:
- Buildings, Contents, Business Income
- Product Liability Insurance
- Product Recall
- Reputation Repair Coverage
- Inventory covered at selling price
- General Liability
- Commercial Auto
- Workers Compensation
- Employment Practices Liability Insurance
- Employee Benefits Liability
- Directors & Officers Liability
- And others
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Group Benefits
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Medical Benefits
Potential Benefits. Companies must submit a census and wait until December 2019 for potential Medical and Dental coverage.
- Offered Through Anthem Blue Cross Blue Shield (BCBS)
- BCBS is the largest insurer in the Commonwealth
- Comprehensive network coverage
- Choose from 8 plan options
- Comprehensive benefits allowing a wide range for you choose the right plan(s) for your organization
- Low copayments ($15 – $30) and competitive deductibles
- 3 High Deductible Health Plans (HDHPs) compliant to be paired with a Health Savings Account (HSAs)
- Choose up to three plan options to offer your employees
Other features:
- Virtual physician appointments 24/7 with LiveHealth Online
- Care advice and education through NurseLine
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Dental Benefits
Potential Benefits. Companies must submit a census and wait until July 2019 for potential Medical and Dental coverage.
- Offered through Anthem Blue Cross Blue Shield (BCBS)
- Utilizes the comprehensive Anthem Dental Network – one of the largest in the state
- 3 Plans to choose from: Basic, Middle, High
- Comprehensive access across the Commonwealth and nationwide
- Stability of providers in the network to minimize disruption to your employees
- White filling on all teeth
- Orthodontic coverage for dependent children (high plan only)
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Vision Benefits
- Offered through Anthem
- Standalone vision plan including:
- Affordable copayments for exams and vision materials
- Allowances for exams, lenses and frames
- Exams covered every 12 months
- Lenses covered every 12 months
- Frames covered every 24 months
- Additional discounts up to 35% for amount paid above the allowance (except Costco) for:
- Additional pairs of glasses
- Non-prescription sunglass
- 15% discount for Laser Vision Correction
- Utilizes the comprehensive Anthem Vision Network
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Life, Disability & Value-Added plans
Life Plans
- 3 plan options through Anthem Life
Group life insurance in sums of $15k up to $50k
- Travel Assistance Services
- Resource Advisor – help from a counselor, a lawyer or financial consultants
- Guaranteed issuance
- Accidental Death and Dismemberment benefit
Supplementary or employee paid life insurance
- Allows employees to purchase additional life insurance
- Coverage up to 5x annual salary
- Guarantee issue limit to $150,000
- Spousal/dependent coverage available
Short-Term Disability –
- Employee paid or employer paid options
- Up to 60% of pre-disability earnings for 24 weeks
- Maximum benefit of $1000 per week
- W-2 preparation and FICA match included
Long Term Disability –
- including voluntary and employer paid
- Up to 60% of pre-disability earnings
- Maximum benefit of $6000 per month
- Coverage to Social Security Normal Retirement Age
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Value-Added Benefits
- Three plans offered through Anthem:
- Accident plan – two plans options available
- Critical illness plan
- Hospital Indemity Plan
- Purpose of the coverage is to supplement higher out of pocket medical costs due to the market
- Replaces other consumer policies such as AFLAC and Colonial
- Based upon a group platform (guarantee issue with no pre-existing limitation) and employee selections
- Wellness benefit payable per person per year
- Reduces employees being sold on policies creating an “over insured” scenario
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HSA/FSA Accounts
- Health Savings Accounts/Flexible Spending Accounts managed by Stanley, Hunt, Dupree and Ryan (SHDR)
- Fully operational Third Party Administrator (TPA) with investment options for the Health Savings Accounts (HSAs)
- Mobile technology for both the FSA and HSA for management and activity tracking.
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