Group Products

Premium Saver (Group Supplemental)

If the Group Exchange is the broker’s golden toolbox, the Premium Saver is one of the best hammers an agent can have. The Premium Saver is a supplemental medical plan that works to reduce the group’s premium costs. For example, if you raise the group’s major medical out-of-pocket costs, the premiums will reduce. The Premium Saver uses the money saved to fill in the out-of-pocket expense which brings the group’s plan back to their current plan design. When you show this strategy to your groups, it should lower their premium while maintaining benefits.

  • Carriers: Standard Life & Accident Insurance Company, AmFirst Insurance Company, and Monitor Life Insurance Company
  • Gap plan without holes (only exclusion is professional fee in doctor’s offices and RX)
  • Group size: minimum of 5 lives
  • 100% participation required
  • Electronic enrollment, electronic claims process, consolidated billing, 834 file feeds to carrier at no charge, employee EOB portal

Fact:

Over 80% of groups with the Premium Saver Plan save money without reducing their benefits.


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Group Dental

One of the core benefits in a group’s health plan is dental insurance. MWG Broker Services has specialized in both group and individual dental for over 25 years.

  • Carriers: Delta Dental, Renaissance Dental, AmFirst Insurance Company, Standard Life & Accident Insurance Company
  • Shelf rates and custom plans
  • Annual max: Up to $3,000
  • Plans available in all 50 states
  • Electronic enrollment, consolidated billing, 834 file feeds to carrier at no charge

Fact:

Dental and Vision coverage can be one of the best ways to attract and retain employees. More than 70% of employers believe voluntary benefits improve worker morale and job satisfaction.


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Group Vision

Group vision insurance is another significant and inexpensive benefit for a group’s health plan.

  • Carriers: VSP and Davis Vision (two of the largest vision insurance providers in the United States)
  • Competitive plan designs (12/12/12 and 12/12/24)
  • Plans available in all 50 states
  • Electronic enrollment, consolidated billing, 834 file feeds to carrier at no charge

Fact:

Dental and Vision coverage can be one of the best ways to attract and retain employees. More than 70% of employers believe voluntary benefits improve worker morale and job satisfaction.


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Group Term Life & Voluntary Life

Group Term Life is 100% employer-paid, where voluntary life amounts are elected by the employees. Life insurance is standard across the industry, but MWG Broker Services has some additional benefits incorporated.

  • Carriers: OneAmerica and Cigna (two of the top carriers in this market)
  • Shelf rates for 2-99; Custom quotes for groups over 25 lives
  • $100k guaranteed issue with 51 or more employees
  • Voluntary life increasing benefits (OneAmerica only)
  • Plans available in all 50 states
  • Electronic enrollment, consolidated billing, 834 file feeds to carrier at no charge

Short & Long-Term Disability

Disability insurance can replace a portion of your regular income while you are not able to work due to childbirth, illness, or injury. MWG Broker Services offers employer-paid and voluntary options for disability insurance for as few as two lives.

  • Carrier: OneAmerica
  • Shelf plans for 2-99; Custom quotes for groups over 25 lives
  • Only two lives needed for groups up to 25
  • Guaranteed issue; Employer-paid or voluntary
  • Plans available in all 50 states
  • Electronic enrollment, consolidated billing, 834 file feeds to carrier at no charge

Fact:

Many workers lack information about how to protect themselves from an income-interrupting disability.

48% of employees say they lack enough information about purchasing disability insurance.

Only 38% of employees say they fully understand the key points of their employer’s disability plans.

Serious Accident
71%
Stroke
45%
Cancer
43%
Heart Disease
40%
Paralysis
32%
Injuries at Work
32%

Lump Sum Disability

Weekly or monthly disability checks to replace income are beneficial. But what about additional expenses like home and vehicle modifications, such as wheelchair ramps, walk-in tubs, and stairlifts? Add in medical bills, therapy, and other costs associated with a disability and the numbers begin to escalate quickly. Our Lump Sum Disability plan steps in at a time when it is needed most by providing a lump sum amount when you are deemed to have a total disability.

  • Carrier: OneAmerica
  • Employer-paid or voluntary (as few as two lives)
  • Guaranteed issue
  • 90 or 180 day elimination period
  • Plans available in all 50 states
  • Electronic enrollment, consolidated billing, 834 file feeds to carrier at no charge

Fact:

Nearly 10% of the world’s population, or roughly 650 million people, live with a disability.

2012 Disability Chart

Telemedicine

Life in today’s world is extremely busy and hectic; therefore, the value of telemedicine has increased greatly. The ability to visit a doctor via your phone, instead of sitting in a waiting room for hours, has become more of a necessity than a convenience. Morgan White Group (MWG) has partnered with MDLIVE, a leader in the telehealth industry. Their plans greatly benefit the employer and the individual with $0 copays and ease of access to medical care.

  • Two plan designs:
    • PLAN 1: $0 copay for doctor consult
    • PLAN 2: $0 copay for doctor consult; Copay for psychiatric and dermatologist consults
  • Employer-paid or voluntary
  • Low cost benefit
  • Electronic enrollment, consolidated billing, 834 file feeds to carrier at no charge

Fact:

Nearly 75% of all doctor, urgent care, and ER visits are “either unnecessary or could be handled safely and effectively over the phone or video,” according to the American Medical Association and Wellness Council of America.

Identity Theft Protection

With more data being entered across multiple personal devices and stored digitally than ever before, the chances of falling victim to online phishing scams, account hacks, and personal data breaches are increasing daily. The number of employers offering some type of identity theft protection is growing. Employers want their employees focused on their jobs, not stressing over financial losses or spending time on the phone undoing the damage of identity theft. Identity Guard offers a solution for protection against identity theft, account hacks, and personal data breaches — with most case alerts arriving in just three seconds.


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Fact:

The #1 voluntary benefit in 2018 was identity theft protection.

MWG Group Exchange Header

MWG Group Exchange

The Group Exchange, developed by Morgan White Group (MWG), is an all-in-one platform to handle quoting and enrollment for all group ancillary lines. To further simplify things, after implementation, groups will have the ability to handle all employee management, group billing, and plan documents in one place. Once enrollment is complete, your groups will go to one location for all their needs.

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