About the Program
As a member of The Florida Bar, you are part of a large group with buying power. Our mission is to maximize this potential by providing The Florida Bar members, their families, and employees with competitive insurance products, employee benefit plans, and services not usually obtained by individuals or small groups.
Member Group plans allow individual members (and in some plans, spouse plans, spouses, and employees) the opportunity to purchase insurance at group rates in plans designed exclusively for The Florida Bar. Member Group plans provide coverage and are rated based on the plan’s actual loss experience, therefore allowing for premium savings, enhanced benefits, underwriting concessions, dividend programs, and other exclusive benefits to be passed onto the group plan participants.
Also available are individual products, firm plans, and services that are available with pricing discounts, enhanced benefits, and underwriting concessions that are only available through these programs.
About the Administrator
Since 1987, Member Benefits has administered and strives to continually improve The Florida Bar Member Benefits Insurance & Retirement Programs. Member Benefits headquartered in Jacksonville, FL, is a full-service insurance and financial services organization specializing in the design, marketing, and administration of professional affinity group and association member benefit programs.
Member Benefits is a proud member of the American Institute of Professional Association Group Insurance Administrators (AIPAGIA), an association comprised of members who are regarded as the leading administrators of group insurance in the United States of America.
About Insurance Exchanges
The Affordable Care Act helps create a competitive private health insurance market through the creation of Health Insurance Marketplaces, also referred to as a Health Insurance Exchange. An Exchange is an online tool for the health insurance marketplace to help consumers shop for healthcare coverage. An Exchange may be operated by a government entity, or by a private entity such as an insurance agency or association. Both have the same core components, however, the government-run program requires that certain eligibility requirements be met.
To ensure all Americans have access to quality, affordable healthcare, the Federal Government offers a subsidized program that will offer individuals and families premium assistance towards all or a portion of the cost of a Qualified Health Plan. Eligibility for the subsidy is based on many factors including household size and income, residency and access to coverage through an employer. Eligibility guidelines also determine subsidy payment based on where individuals and families fall relative to the Federal Poverty Level (FPL). The Public Exchange allows eligible individuals to purchase Qualified Health Plans (QHP) coverage directly on the public exchange. Tax credit incentives are also available to those who qualify. Prior to purchasing coverage on a Private Exchange, consumers should check subsidy eligibility on the Public Exchange.
Private Exchange (i.e. The Florida Bar Private Health Exchange)
A Private Exchange offers a consumer-friendly approach to purchasing health insurance coverage. Individuals that do not qualify for a government subsidy may purchase a QHP on a Private Exchange. Plans available on the Public Exchange must also be available on a Private Exchange. Private Exchanges provide consumers with one-stop shopping for affordable medical coverage and additional coverages like dental, vision, life, disability, accident, and more. Consumers may view plans from a variety of insurance carriers, compare benefits and costs and make purchasing decisions based on their specific health needs and budget.