Affordable Health Coverage Designedby Manufacturers for Manufacturers.

IMA HEALTH PLAN

OFFERED BY BLUE CROSS AND BLUE SHIELD OF ILLINOIS

THE IMA HEALTH PLAN IS GAME CHANGING.

The IMA is proud to be working with Blue Cross and Blue Shield of Illinois to bring Illinois manufacturers the IMA Health Plan, a statewide solution for affordable, flexible, and customizable group health coverage.

By leveraging a combined 200+ years of partnership with Illinois job creators to attract and retain the best and brightest talent, the IMA Health Plan allows manufacturers and their employees to choose the right health care plan to meet their needs and budget.

OVERVIEW

IMA HEALTH PLAN

imahealthplan.com

MANUFACTURING IS THE ECONOMIC BACKBONE OF ILLINOIS

Every day, 592,000 men and women in Illinois help solidify the importance of the manufacturing sector in both the local and U.S. economies.

Shouldn’t these men and women who devote their lives to perpetuating the strength of the Illinois manufacturing community have access to health care benefits that are as strong as they are?

The Illinois Manufacturers’ Association (IMA) thinks so, which is why our leadership has spent the past two years working with the IMA’s health care advisory team to design an industry-leading health care benefits program for its member companies.

Choice, Trust, and Affordability. That’s the IMA Health Plan.

No Medical UnderwritingIndividual health statements are not required.

Statewide and Nationwide Access Coverage available in all 102 Illinois counties and in all 50 states.

Flexible Plan DesignsMultiple deductible and plan design features available.

Comprehensive Provider Networks*

Blue PPOSM, Blue Precision HMOSM, Blue Choice

Preferred PPOSM, and Blue OptionsSM.

Prescription Drug CoverageSix-tier drug card or deductible/coinsurance plans available.

Simplified AdministrationA robust and easy-to-implement benefits administration technology solution is automatically included.

IMA Health Plan Features

*Offered by Blue Cross and Blue Shield of Illinois.

The regulatory landscape overseeing group

health and welfare plans, particularly AHPs,

is complex. Along with your current broker

consultant, the IMA has assembled a team of

compliance experts to provide participating

member companies with comprehensive and,

in some cases, automated compliance solutions

that allow you to focus on what matters – your

manufacturing business and the wellbeing of

your employees.

Joining the IMA Health Plan

To participate in the IMA Health Plan, eligible member companies must satisfy the following criteria to

gain access to the program:

1. Be an IMA member in good standing.

2. Maintain a manufacturing industry focus (SIC code assignment of 2000 – 3999).

3. Employ between two and 50 total employees (on average) in the prior calendar year across all commonly owned worksite locations.

4. Be headquartered in Illinois.*

*While an Illinois headquarters is desired, non-Illinois worksite locations and their benefits-eligible

employees are also eligible to participate if the other criteria are satisfied.

More Questions?The IMA has developed a ‘Frequently Asked Questions (FAQ)’ resource guide to anticipate and address questions

that interested IMA member companies and their broker consultants may have regarding the IMA Health Plan.

Please refer to this document for guidance on many of the most commonly asked questions.

imahealthplan.com

In addition to the strength of Blue Cross and Blue

Shield of Illinois, the IMA Health Plan also delivers to

participating member companies an industry-leading

benefits administration technology solution to take the

headache out of managing your group health benefits.

Powered by Vimly Benefit Solutions*, this tool allows

participating member companies to automate their

benefits administration process with several clicks of a

button. Additionally, all invoices are consolidated into

one easy to manage portal, making monthly payments

and reconciliation a breeze.

Simplifying Compliance

Simplifying Administration

OVERVIEW

IMA HEALTH PLAN

*Vimly Benefit Solutions, Inc., an independent company, solely responsible for its products and services, administers the SIMON online benefits portal for Blue Cross and Blue Shield of Illinois.

For the latest updates and information, please visit imahealthplan.com.

FAQs

IMA HEALTH PLAN

imahealthplan.com

1. Who is eligible to participate in the IMA Health Plan?To participate in the IMA Health Plan, eligible member companies must satisfy the following criteria to gain access to the program:

1. Be an IMA member in good standing.2. Maintain a manufacturing industry focus (SIC code assignment of 2000 – 3999).3. Employ two to 50 total employees (on average) in the prior calendar year across all commonly owned

worksite locations.4. Be headquartered in Illinois.* *While an Illinois headquarters is required, non-Illinois worksite locations and their benefits-eligible employees are also eligible to participate if the other criteria above are satisfied.

2. Can I obtain a quote through my current insurance broker?Yes. The IMA Health Plan can only be quoted and sold through any properly licensed and appointed insuranceagent in Illinois. Interested insurance brokers may contact the IMA, visit imahealthplan.com, or submit an inquiry to brokers@imahealthplan.com for more information.

3. When will quotes for the IMA Health Plan be available?Quotes for the IMA Health Plan are now available for 2019 effective dates. The first effective dates for group coverage in the IMA Health Plan are scheduled for October 1, 2019. Groups are eligible to enroll with a 1st of the month effective date any time between October 1, 2019 and September 1, 2020. To request a quote, please visit imahealthplan.com for detailed instructions.

4. Do I need to be an IMA member to request a quote? Any Illinois-based manufacturer that employed between two and 50 total employees (on average) in the prior calendar year across all commonly owned worksite locations can obtain an IMA Health Plan quote through their licensed agent/broker.

5. Will my participating employees and their covered dependents (if applicable) need to complete a medical questionnaire or health statement to enroll?No. The IMA Health Plan is not medically underwritten. Your employees will not need to complete a medical questionnaire or health statement to receive a quote or enroll in the IMA Health Plan.

6. How does the IMA Health Plan pricing compare to the open market?Every group is rated separately based on their geographic location and demographics of their covered members.The IMA and Blue Cross and Blue Shield of Illinois have worked to develop a portfolio of health plan products and pricing that is as competitive as possible given the unique composition of each participating employer group. Member companies are encouraged to work with their broker consultant to obtain and compare pricing.

FREQUENTLY ASKED QUESTIONS

FAQs

IMA HEALTH PLAN

imahealthplan.com

7. Can the IMA Health Plan be offered with other group health program options?No. You may only offer one group health carrier/program to your employees.

8. Our standalone group benefits program just renewed. Can we still join the IMA Health Plan?Generally, eligible IMA member companies may join the IMA health plan at any time throughout the year. Once launched, the IMA Health Plan will maintain a common effective/renewal date of October 1st. If your business does not join in conjunction with the common effective/renewal date, then your first year of participation will be considered a “short plan year” until the plan renews. We encourage interested member companies to consult with their broker consultant to evaluate the right time to join the IMA Health Plan.

9. How long are the IMA Health Plan rates guaranteed?The IMA Health Plan’s rates will be established once a year and guaranteed for a twelve (12) month cycle coinciding with the common effective/renewal date.

10. Is the IMA Health Plan considered ACA compliant?Yes. The health plans and rating structure of the IMA Health Plan meets all coverage mandates and compliance requirements of the Affordable Care Act (ACA).

11. Will other non-medical ancillary insurance products be offered on a group basis through the IMA Health Plan? If so, which ones?Yes. The IMA is finalizing its ancillary insurance carrier partnership, which is expected to be complete in early 2020. Once finalized, additional information will be available on imahealthplan.com. Currently, the following ancillary products are slated to be offered to participating member companies:*

*Please note: Eligible IMA member companies must participate in the IMA Health Plan in order to access and offer the ancillary product portfolio and rates.

12. Our company’s SIC code falls outside the eligible range of 2000 –3999. What options are available for our business and our employees?Due to the regulatory requirements governing the IMA Health Plan, only businesses operating in the manufacturing sector with an SIC code of 2000 – 3999 are eligible to participate at this time. That said, any member company is welcome to contact the IMA for consultative guidance on innovative health care cost containment strategies and referrals to certified consultants in that space.

FREQUENTLY ASKED QUESTIONS

• Dental• Vision• Group Life/AD&D• Supplemental Life/AD&D• Short-Term & Long-Term Disability

• Worksite (Accident, Critical Illness, Hospital Indemnity)• Pharmacy Discount Services• Consumer Product Discounts

FAQs

IMA HEALTH PLAN

imahealthplan.com

13. Our business is headquartered in Illinois with several worksite locations in other states. While each location employs less than 50 employees, we employ more than 50 total employees on a collective basis. Can we participate? Generally, no. Only employer groups that employ between two and 50 total employees (on average) in the prior calendar year across all commonly owned worksite locations are eligible to participate. Interested member companies must employ at least two common law employees to participate.

Please note: Employees of “Controlled Groups” and/or “Affiliated Service Groups” must be aggregated. If your organization is part of “controlled group” of commonly owned businesses or is part of an “affiliated service group” with other businesses, as those terms are defined under Section 414 of the Internal Revenue Code, employees of those related employers must be aggregated in determining whether the group is eligible to

participate in the IMA Health Plan.

The controlled group and affiliated service group rules are complicated and technical. If you are unsure whether your organization needs be aggregated with one or more other entities for reporting purposes, please consult with your insurance broker, attorney, and/or tax advisor.

14. Is the IMA Health Plan a “Captive” program?No. The IMA Health Plan is a fully-insured Association Health Plan (AHP) that has been established under the Department of Labor’s “old rule” (“Pathway 1”) precedent.

15. How is the IMA Health Plan impacted by the Federal Court ruling against AHPs?While the recent rejection of the DOL’s “new rule” for AHPs by a federal court was noteworthy, it does not impact the IMA Health Plan. The IMA Health Plan has been established as an AHP under the DOL’s “old rule” (“Pathway 1”) precedent, which is not impacted by the recent federal court ruling.

16. Is the IMA Health Plan different than the IMA’s previous Health Care Trust?Some IMA members may remember the IMA’s Health Care Trust program that operated successfully and profitably for nearly 50 years and was discontinued in the early 2000’s. While the IMA’s focus on an AHP is a different strategy than our legacy approach to providing health care for our members, we are confident that it will yield the same value-rich results that all of our member-centric initiatives are designed to produce.

FREQUENTLY ASKED QUESTIONS

For the latest updates and information, please visit imahealthplan.com.