American Recovery and Reinvestment Act (ARRA) and COBRA
Summary of the COBRA Premium Reduction Provisions under ARRA  

Children’s Health Insurance Program Reauthorization Act of 2009 (CHIPRA)
CHIPRA Special Enrollment Requirements

HIPAA
HIPAA Notice of Special Enrollment
HIPAA Privacy Notice - for print or viewing

EEO is the Law
including the Genetic Information Nondiscrimination Act (GINA)
EEO is the Law Poster - November 2009

Contact Paula Hansen or Seth Lindenbusch at 1-800-234-4939 to find out more about any of the insurance plans offered below.

MBA VEBA (Voluntary Employees Beneficiary Association) offers a full range of employee benefits, provided by the only banker-owned, nonprofit trust in Missouri. MBA VEBA is dedicated to giving banks control over benefit costs. MBA VEBA uses Great West, PHCS, HealthLink, Midlands Choice and Novasys networks. The pharmacy network is Medco.

Click here for a comparison of MBA VEBA's health plans.

Click here for the Fact Finder for MBA VEBA's health plans.

Premier Plan - click here for detailed information
This plan has 85 percent in-network coinsurance, 70 percent out-of-network coinsurance, $400 individual deductible, and $800 family deductible.

PPO Plan - click here for detailed information
This plan has $20 encounter fee for primary care physicans and $40 encounter fee for specialists, 80 percent in-network coinsurance, 60 percent out-of-network coinsurance, $700 individual deductible, and $1400 family deductible.

PPO Plan One - click here for detailed information
This plan has $20 encounter fee for primary care physicans and $40 encounter fee for specialists, 80 percent in-network coinsurance, 60 percent out-of-network coinsurance, $1100 individual deductible, and $2200 family deductible.

PPO Plan Two - click here for detailed information
This plan has $20 encounter fee for primary care physicans and $40 encounter fee for specialists, 80 percent in-network coinsurance, 60 percent out-of-network coinsurance, $2200 individual deductible, and $4400 family deductible.

PPO Plan Three - click here for detailed information
This plan has $20 encounter fee for primary care physicans and $40 encounter fee for specialists, 80 percent in-network coinsurance, 60 percent out-of-network coinsurance, $3300 individual deductible, and $6600 family deductible.

Super Saver Plan - click here for detailed information
This plan has 85 percent in-network coinsurance, 70 percent out-of-network coinsurance, $700 individual deductible, and $1400 family deductible.

Super Saver Plan One - click here for detailed information
This plan has 85 percent in-network coinsurance, 70 percent out-of-network coinsurance, $1100 individual deductible, and $2200 family deductible.

Super Saver Plan Two - click here for detailed information
This plan has 85 percent in-network coinsurance, 70 percent out-of-network coinsurance, $2200 individual deductible, and $4400 family deductible.

Super Saver Plan Three - click here for detailed information
This plan has 85 percent in-network coinsurance, 70 percent out-of-network coinsurance, $3300 individual deductible, and $6600 family deductible.

Medical 850 Plan - click here for detailed information
This plan has a $850 individual deductible, $1700 family deductible, 80% coinsurance in-network and 60% coinsurance out-of-network.

Economy Plan - click here for detailed information
This plan has a $1750 individual deductible, $3500 family deductible, $20 encounter fee for primary care physicans and $40 encounter fee for specialists, 75% coinsurance in-network and 60% coinsurance out-of-network. This plan has coinsurance for prescription coverage. Mental/Nervous claims are not covered.

Economy Plan Plus One - click here for detailed information
This plan has a $1750 individual deductible, $3500 family deductible, $20 encounter fee for primary care physicans and $40 encounter fee for specialists, 75% coinsurance in-network and 60% coinsurance out-of-network. This plan has copays for prescription coverage. Mental/Nervous claims are not covered.

Economy Plan Plus Two - click here for detailed information
This plan has a $1750 individual deductible, $3500 family deductible, $20 encounter fee for primary care physicans and $40 encounter fee for specialists, 75% coinsurance in-network and 60% coinsurance out-of-network. This plan has copays for prescription coverage. Mental/Nervous claims are covered on this plan.

High-Deductible Health Plan - click here for detailed information
This plan has a $2,000 single coverage deductible, $4,000 family coverage deductible, 80% coinsurance in-network and 60% coinsurance out-of-network.  This plan has coinsurance for prescription coverage. Mental/Nervous claims are not covered.

Group Dental Plan - click here for detailed information
This plan has 100 percent coinsurance with no deductible for preventive care, 80 percent coinsurance along with $25 individual deductible and $75 family deductible for non-preventive dental care, and $1500 lifetime orthodontic benefit per person.  VEBA offers two plans - a $1000 maximum benefit coverage per person per year or a $2000 maximum benefit coverage per person per year.

Group Vision Plan - click here for detailed information
This plan has a $10 copay for comprehensive vision exam once every 12 months, a $25 materials copay for eyeglass lenses once every 12 months and frames once every 24 months or contact lenses in lieu of eyeglasses once every 12 months - see details.

Other Group and Individual Plans

The following are other group and individual plans available through VEBA, MBA Insurance Group and their association with other insurance carriers:

Life Insurance Plans - MBA VEBA and Minnesota Life Insurance Company offer seven unique life insurance plans allowing each bank to choose the best plan for its group of employees. Bonuses can be included at the option of the bank to Plan II, III, or IV. Click here for more information.

Additional Life Plan - MBA Insurance Group and The Standard Insurance Company offer this additional life coverage to those banks that are currently on MBA VEBA's life insurance, allowing your employees to supplement the life insurance they currently carry through you. Click here for more information.

Long Term Disability - MBA VEBA and UNUM Life Insurance Company provide a long-term disability plan with three elimination period options making it possible to tailor the plan to each bank's situation. Bonuses can be included in the coverage at the option of the bank. LTD coverage also includes UNUM's employee assistance and world-wide emergency travel assistance programs. Click here for more information.

Felonious Assault Plan - MBA VEBA and the Zurich-American Insurance Group provide felonious assault coverage that covers employee deaths and dismemberments occurring during a felonious assault. Click here for more information.

Group Accident Plan - MBA VEBA and the Zurich-American Insurance Group offer a group accident plan available to employees that provides coverage for accidental death and dismemberment. Click here for more information.

Annual Group Accident - MBA Insurance Group and the Zurich-American Insurance Group offer an individual accident plan available to individual employees and directors that provides coverage for accidental death and dismemberment. Click here for more information.

Cancer Insurance - MBA Insurance Group offers coverage designed to provide cash for the indirect costs associated with cancer or lump sum coverage for first occurence cancer.  We offer a variety of policies through Allstate, Central United Life and United Teachers Association.  Click here for more information.

Long Term Care Insurance - MBA Insurance Group and UNUM offer Long Term Care coverage for your employees, their spouses, parents, grandparents, and siblings. Coverage can be designed by each person to meet their specific needs.

MBA Staff Contact Person: Paula Hansen or Seth Lindenbusch, Insurance Representatives

If you have any questions, please call the MBA Insurance Helpline at 800-234-4939 or e-mail Missouri Bankers Association.