NDA Health Insurance
May 14, 2025
This week we will be mailing out letters detailing the information required to be participating in the the NDA Health Insurance Alliance. Specificially:
- Alliance Member Letter – Membership Letter (2025);
- Employer Member Q-A (2025)
- NDA Alliance Membership Agreement (2025);
- HIPAA - Medica Privacy-Notice (2024);
- NDA ERISA Wrapper (2025);
- SPD Distribution - Electronic Notice (2025); and
- Member Assessment (included in the Membership Letter)
May 7, 2025
With the move to Medica, NDA offices participating in the health insurance plan must sign a NDA Alliance Membership Agreement. Noteably, Section 3 of the Agreement:
Section 3. Member Obligations. For and during the Term of this Agreement, the Member agrees as follows:
(iii) To maintain, and confirm using the form attached as Exhibit A, an active membership in good standing in The Nebraska Dental Association for at least fifty percent (50%) of the individuals (A) who hold a DDS, DMD, or equivalent degree, (B) who are eligible for membership in The Nebraska Dental Association, and (C) who have any ownership interest in the Member;
(iv) To maintain an active membership in good standing in The Nebraska Dental Association for each individual holding a DDS, DMD, or equivalent degree who is eligible for membership in The Nebraska Dental Association and who is covered by the Plan;
If your office is not currently participating and you would like to get quotes for your office, contact Lisa Daniels at North Risk Partners - NEDA@northriskpartners.com - 402-592-7777.
NDA members currently on the Board: Dr. Hoang-Oanh Le, Dr. Chris Foix, Dr. Steve Wirth, Dr. Liz Papineau and Dr. Andrew Hibbert.
November 2024
As your current health insurance plan comes up for renewal, make sure you are getting the greatest value and most competitive price for your firm by requesting a quote from the alliance!
WHAT ARE THE SAVINGS?
By pooling together, dental offices are better positioned to obtain more affordable health insurance coverage due to economies of scale, managing savings, and spreading risk. Many offices have obtained substantial savings. For example, we have saved a solo practitioner with one employee more than $7,000 a year. We have saved a medium-sized office more than $45,000 a year. Some are paying approximately the same rates but have drastically improved their coverage and reduced their deductible and out-of-pocket expenses. What can we do for you? Getting a quote does not obligate you to join but allows you to review all options.
UNIQUE ENROLLMENT OPPORTUNITIES
The association plan creates unique enrollment opportunities that do not exist in the usual group coverage market.
- A group plan can be put in place with only one enrolled employee as long as the participation requirements are met. (If you are a solo dentist, you must employ at least one other person working at least 17.5 hours a week to be eligible).
- Employers must contribute a minimum of 50% of the single premiums for all enrolled employees, but can move forward with enrollment with only 25% participation (as long as others eligible have qualified coverage).
- There are seven benefit packages to choose from through the Alliance (3 PPO and 4 HSA options). With two enrolling employees or more, you can offer two plans. If you are a practice with more than 50 employees enrolled, you can offer up to three plan options.
WHAT’S NEW IN 2025
The narrow networks offered by Medica through the NDA plan provide a 20% premium savings and provide extensive options across the state of Nebrasaka. The Medica full National network includes 100% of the hospitals in Nebraska. All of the networks include full coverage across the nation (Medica utilizes the UHC Choice Plus National network). Also, our plan offers an extensive list of preventative medications that are at no cost to you.
Additional Services Included with the NDA 2025 Medical plan
- Employee Assistance Program
- Virtual Care with Amwell
- 24 Hour Nurseline
- My Health Rewards Program
- Omada for healthy habits
- Ovia for Women’s Health
- Self Care by AbleTo
GET A QUOTE!
Getting a quote does not obligate you to join. To learn more or start the process of requesting a quote, you can contact North Risk Partners via email at neda@northriskpartners.com or via phone at (402) 592-7777. If you are currently working with a broker, they are able to provide a quote for the association plan as well.
