| About Archery & Bowhunting Industry Benefits |
Q: What is the Archery & Bowhunting Industry Benefits healthcare plan?
A:
Premier Club Benefits is a new employee healthcare benefit program designed exclusively for the private club industry. PCB is a fully insured employee benefit plan designed to meet all the federal regulations including ERISA, HIPAA and COBRA. Some of the major plan features include:
• Comprehensive medical and prescription drug coverage
• Benefits are fully guaranteed by qualified “A” rated insurers
• Dental, vision, group life and short term disability are also available
• Easy access to selected local, regional, and national PPO networks
• Benefits up to $1 million per covered person per year
• Benefits all fully guaranteed from the first eligible dollar to the Plan limits
• Plan deductibles starting at $250 per person per year
• H.S.A. and HRA options available
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Q: Is Archery & Bowhunting Industry Benefits categorized as insurance?
A:
The new Premier Club Benefits healthcare plan is not itself insurance. The plan however, purchases insurance direct from the world insurance market under one policy guaranteeing all of the eligible medical benefits from the first eligible dollar to the limits set forth in the Summary Plan Description. The benefits under the Premier Club program are guaranteed in full from the first eligible dollar to the limits of the plan by qualified “A” rated Underwriters at Lloyd’s, London.
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Q: Will Archery & Bowhunting Industry Benefits save my company money?
A:
The employer has the flexibility to design their own plan and all other things being equal, the cost of providing benefits under the new Plan has been reduced by 10% to 15% and in some cases as much as 20% or more when compared with other available commercially insured group benefit programs. The $500 dollar per year membership fee to join Premier Club Services is but a drop in the bucket compared with the projected savings to be generated under this new Premier Club employee medical benefit plan.
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Q: I have looked at a variety of healthcare programs for my employees and nobody has been able to deliver 10% to 15% savings on our employee benefit costs. How do you do it?
A:
In order to deliver these cost reductions, we have, reduced acquisition costs, reduced insurance related costs and margins, reduced administration costs and other related expenses through volume purchasing without sacrificing financial security.
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Q: Do I need to be a ATA member in order to sign my company up for this program?
A:
In order to participate in the Premier Club Benefits program, a club must maintain a current PCS subscription and employ at least one CMAA member. For more information on the benefits of joining CMAA, please contact the Membership Department at (703)739-9500.
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Q: Is life insurance available under the plan?
A:
Yes. $15,000 employee life insurance is standard, although higher and lower limits are available.
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Q: Can Archery & Bowhunting Industry Benefits provide international coverage?
A:
Yes. The plan can provide seamless coverage for domestic and international employees. While abroad, special provider services are tailored to meet the international employee’s needs.
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Q: What are the maximum limits of the Plan?
A:
$1,000,000 per person annually and up to $2,000,000 per person lifetime.
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Q: What PPO´s are available?
A:
National PPO networks: Beech Street Corporation (Beechstreet.com) and PHCS (phcs.com). Many other PPO networks are available to supplement national network coverage.
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Q: "I am currently a subscriber to an HMO. Is this a better or worse option for me?"
A:
Archery & Bowhunting Industry Benefits can provide benefits not available to subscribers of many HMO plans. In some circumstances, HMO’s do not have the facilities to provide specialized services such as transplants. Both an HMO and Archery & Bowhunting Industry Benefits selected PPO have preferred medical providers. With Archery & Bowhunting Industry Benefits, however, your employees can use non network providers if they are willing to pay the differential in coinsurance and deductible. Individuals that travel may find themselves in an area where they have no HMO coverage. This will not be the case with Archery & Bowhunting Industry Benefits because there is a National PPO. When plan participants are out of their own local PPO area, they will have access to a PPO. This provides the participants with maximum PPO access.
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Q: "If my doctor is not a part of the PPO, will I need to change doctors?"
A:
No benefit program or insurer has preferred access to all medical providers. Most insurers have a PPO network that they own (or partially own) and insist on that network. Archery & Bowhunting Industry Benefits will have access to most PPO providers and the administrator will work with the individual employer in the selection of their local PPO. Therefore, the chances are good that your doctor will be a part of the selected PPO. If not, the plan still pays the out of network fees. This would, in most cases, relate only to the doctor and not to a hospital.
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Q: Can Archery & Bowhunting Industry Benefits be tailored to the needs of my specific company?
A:
Yes. The summary plan description can be amended to include or exclude certain coverage, limits, varying co-payments, co-insurance and out-of-pocket maximums. Additional coverage is also available for vision, dental, group life, and short-term disability.
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| About Administrator |
Q: Who is Dayspring Management LLC?
A:
Dayspring Management LLC is a national management, consulting and administrative firm providing services for national trade associations. Dayspring is owned and managed by actuary Leonard Koloms, FSA, MAAA, CLU, FLMI, RHU and Ronald J. Wilson, DBM, CLU & ChFC. Dayspring Management has been engaged by ATA as the Plan Manager and Administrator of Archery & Bowhunting Industry Benefits. Dayspring Management LLC currently provides services for several national employer associations.
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Q: Who is Medical Benefits Administrators of MD (MBA)?
A:
MBA is a third party benefit administration firm affiliated with R. J. Wilson & Associates Ltd. the reinsurance intermediary providing the insurance for the Premier Club Benefit Plan. MBA provides the claims administration for the Premier Club Benefit Plan. MBA utilizes the state of the art Trizetto Quiclink System (formerly known as Resource Information Management or “RIMS”) in the management of benefit claims. MBA also employs Solucient Auto Audit and other similar systems as well as INGENIX (formerly Medicode) in the administration of claims.
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Q: How long has MBA, RJW and affiliated companies existed?
A:
R. J. Wilson & Associates Ltd. a Maryland corporation was founded in 1978 and currently has several affiliate firms providing both benefit and specialty insurance services. MBA is a Maryland based affiliate of RJW founded in 1992. ABS was recently formed to provide special design and enrollment services for client associations. Another affiliate Dayspring Management LLC provides management, consulting and actuarial services for 5 additional national trade associations. An early affiliate Canton Agency is currently a managing underwriter providing property and casualty insurance for the railroad industry since 1969.
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Q: What role does MBA have in Archery & Bowhunting Industry Benefits?
A:
MBA acts as the first party plan administrator for the Premier Club Benefits program, providing customer service, medical claims management, adjudication and payment, PPO network arrangements, and compliance services. In addition, RJW negotiates reinsurance, develops medical plans, provides administration, underwriting and actuarial services.
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Q: How are employee and dependent benefit rates established?
A:
The Administrator employs the Tillinghast HealthMaps System with specific assumptions reviewed by actuaries to establish contribution rates. The employee and dependent group rates are established based on fixed overhead cost; the cost of medical services in the specific geographic area; the age, sex, family status, and general medical condition of the specific employer group.
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Q: Who is Advance Benefit Services LLC (ABS)?
A:
Advance Benefit Services is an affiliate of MBA and RJW assists the member employers in the implementation, design, presentation, and enrollment of employees and dependents under national association benefit programs. ABS will be working with the various individual clubs across the United States that wish to participate in the Premier Club Benefit Plan.
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