Trustmark Affinity Markets — Health Plans for Associations and Their Member Firms

Are you a small to medium size manufacturer tackling a big insurance company for your employee benefits? Instead, realize the advantage of strength in numbers by joining with other TMA member firms in the TMT Group Insurance Trust Program.

Health insurance leads the list of service benefits that the Tooling and Manufacturing Association (TMA) members want most. Like everyone else, TMA member firms are searching for ways to control the growing costs of providing health insurance to their employees.

What Is the TMT Group Insurance Trust?

Through the TMT Group Insurance Trust program, TMA members can pool the claims experience of participating companies and their employees. By joining together, this collective membership creates a large risk pool to help lower costs for many TMA businesses that would otherwise have to buy insurance on their own. The TMT Group Insurance Trust not only covers day-to-day claim activity, but it also creates a Special Contingency Reserve (SCR) that is owned by the Trust. As the SCR fund grows, it earns interest, which helps it continue to grow. Risk charges and claim margins are significantly reduced which can also help lessen premium increases over the life of the plan. The Trust provides a unique alternative to other insurance plans and allows participating employer firms to take ownership and control of their premium dollars.

A board of trustees is elected to oversee the insurance Trust, made up of volunteers who are your peers. They are tooling and manufacturing company owners and executives just like yourself, and also members of TMA. The trustees are well qualified to represent your interests and work hard to provide you and your employees with attractive health insurance benefits at a reasonable cost.

Backed by Experience

Trustmark Affinity Markets, a division of Trustmark Life Insurance Company, underwrites and administers the TMT Group Insurance Trust. Trustmark has 2,400 employees, 2 million policyholders, and $2.0 billion in assets, and is headquartered in Lake Forest, Ill. Trustmark has over 90 years experience in the insurance industry and more than 50 years of continuous service to the Tooling and Manufacturing Association.

These plan features make the TMT Group Insurance Trust an attractive program to TMA participating member firms:

Group Buying Power. TMA's participating member firms take advantage of the combined buying power that comes from pooling premium dollars.

Flexible Plan Choices. Innovative product options — from PPOs with a choice of deductibles and coinsurance levels to Consumer-Directed Health Savings Accounts (HSAs), provide the right balance of cost and benefits for every firm.

Nationwide Access to Professional Services. Firms can select hospital and physician care from more than 50 national and regional networks, including PHCS, one of the nation's leading health care network management companies.

Prescription Drugs. Trustmark's selected pharmacy benefits management partner, WellPoint, has more than 57,000 network pharmacies nationwide, including both national chain stores and independent pharmacies. In addition, PrecisionRx mail service pharmacy delivers medication to over one million patients nationwide.

Ancillary Benefits. Additional coverages are available alongside the TMT medical plan. They include life, dental, accidental death and dismemberment, and short-term disability insurance.

Control Costs. Value is built into every plan: through medical, case and condition management services that help control costs without compromising care for participating employees, and through antifraud detection, reporting and recovery.

Plan Highlights

Choice of different deductible and coinsurance amounts, and multi-tier or multi-choice plans
Prescription drug coverage with drug co-pays and mail order savings
Medical office visit co-pay choices
Routine and well-child care, not subject to a deductible
Maternity-healthy baby program, at no extra cost
Employee online support tools to promote healthier living and reduce medical expenses
Network and non-network coverage
Prompt, personal service

Every plan includes coverage benefits for: physician and specialty office visits; hospitalization; ER; lab diagnostic testing; extended care; home health care; mental health/chemical abuse; organ transplant services and manipulation therapy.

This is just a brief summary of plan benefits. Plans may vary by state, and exclusions and limitations apply. For details, see the Certificate of Coverage.

Benefit from Strength in Numbers

What Is the TMT Group Insurance Trust?

Backed by Experience

These plan features make the TMT Group Insurance Trust an attractive program to TMA participating member firms:

Medical • Pharmacy • Dental • Disability • Life


Benefit from Strength in Numbers Are you a small to medium size manufacturer tackling a big insurance company for your employee benefits? Instead, realize the advantage of strength in numbers by joining with other TMA member firms in the TMT Group Insurance Trust Program. Health insurance leads the list of service benefits that the Tooling and Manufacturing Association (TMA) members want most. Like everyone else, TMA member firms are searching for ways to control the growing costs of providing health insurance to their employees. What Is the TMT Group Insurance Trust? Through the TMT Group Insurance Trust program, TMA members can pool the claims experience of participating companies and their employees. By joining together, this collective membership creates a large risk pool to help lower costs for many TMA businesses that would otherwise have to buy insurance on their own. The TMT Group Insurance Trust not only covers day-to-day claim activity, but it also creates a Special Contingency Reserve (SCR) that is owned by the Trust. As the SCR fund grows, it earns interest, which helps it continue to grow. Risk charges and claim margins are significantly reduced which can also help lessen premium increases over the life of the plan. The Trust provides a unique alternative to other insurance plans and allows participating employer firms to take ownership and control of their premium dollars. A board of trustees is elected to oversee the insurance Trust, made up of volunteers who are your peers. They are tooling and manufacturing company owners and executives just like yourself, and also members of TMA. The trustees are well qualified to represent your interests and work hard to provide you and your employees with attractive health insurance benefits at a reasonable cost. Backed by Experience Trustmark Affinity Markets, a division of Trustmark Life Insurance Company, underwrites and administers the TMT Group Insurance Trust. Trustmark has 2,400 employees, 2 million policyholders, and $2.0 billion in assets, and is headquartered in Lake Forest, Ill. Trustmark has over 90 years experience in the insurance industry and more than 50 years of continuous service to the Tooling and Manufacturing Association. These plan features make the TMT Group Insurance Trust an attractive program to TMA participating member firms: Group Buying Power. TMA's participating member firms take advantage of the combined buying power that comes from pooling premium dollars. Flexible Plan Choices. Innovative product options — from PPOs with a choice of deductibles and coinsurance levels to Consumer-Directed Health Savings Accounts (HSAs), provide the right balance of cost and benefits for every firm. Nationwide Access to Professional Services. Firms can select hospital and physician care from more than 50 national and regional networks, including PHCS, one of the nation's leading health care network management companies. Prescription Drugs. Trustmark's selected pharmacy benefits management partner, WellPoint, has more than 57,000 network pharmacies nationwide, including both national chain stores and independent pharmacies. In addition, PrecisionRx mail service pharmacy delivers medication to over one million patients nationwide. Ancillary Benefits. Additional coverages are available alongside the TMT medical plan. They include life, dental, accidental death and dismemberment, and short-term disability insurance. Control Costs. Value is built into every plan: through medical, case and condition management services that help control costs without compromising care for participating employees, and through antifraud detection, reporting and recovery. Plan Highlights Choice of different deductible and coinsurance amounts, and multi-tier or multi-choice plans Prescription drug coverage with drug co-pays and mail order savings Medical office visit co-pay choices Routine and well-child care, not subject to a deductible Maternity-healthy baby program, at no extra cost Employee online support tools to promote healthier living and reduce medical expenses Network and non-network coverage Prompt, personal service Every plan includes coverage benefits for: physician and specialty office visits; hospitalization; ER; lab diagnostic testing; extended care; home health care; mental health/chemical abuse; organ transplant services and manipulation therapy. This is just a brief summary of plan benefits. Plans may vary by state, and exclusions and limitations apply. For details, see the Certificate of Coverage. Medical • Pharmacy • Dental • Disability • Life
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