Insurance

Advantage Pricing on Prescription Drugs from Blue Cross Blue Shield of Michigan

As part of Blue's commitment to containing healthcare costs, all of their pharmacy plans feature a tiered benefit design with a focus on generic drug use.

Benefits:

• Maximize your savings when some of the most popular brand medications expire between now and 2012.
• Members better manage costs through financial incentives.
• Control the long-term pharmacy cost trend.
• Your Association-sponsored Blue Cross Blue Shield of Michigan Health Plans reward small businesses with Advantage Pricing which can provide an additional 3% savings on your medical premiums for Blue Cross Blue Shield of Michigan contracts that use prescription drug coverage.
• A Blue's prescription drug plan offers value, safety, effectiveness and convenience, perfect for growing a healthy work force and keeping costs low.
• Members have easy access to more than 98 percent of pharmacies in Michigan and more than 90 percent nationwide.

• Affordable premiums
• Basic, Supplemental or Voluntary plans
• Optional coverage for spouses and dependents
• Optional Accidental Death & Dismemberment coverage
  
  

Our Group Term Life product includes features and options designed to enhance a benefits portfolio such as:

• Conversion, which allows the insured to keep their valuable insurance protection should they leave the group;
• Accelerated Death Benefit, that pays a portion of the face amount to the insured if diagnosed with a terminal illness;
• Waiver of Premium, for employees disabled for at least nine months.
   
  
  Coverage Options:
• Term Life Insurance starting at $15,000 (groups under 10) - $10,000 (groups with 10 or more)  
• Accidental Death and Dismemberment Insurance (AD&D)
• Dependent Life Insurance

• Flexible elimination and benefit periods available
• Covers you for total disability due to a covered Accident or Illness
• Covers you at home or in the hospital

• Short Term and Long Term benefits available
• Several elimination periods available  
• Several benefit period options  
• Monthly Disability Benefits are paid beginning the day following satisfaction of elimination period  
• Optional benefit riders available on a group basis based upon the market selected

 
MLBMA’s partnership with Delta Dental's innovative individual plans allow your organization to give employees access to quality individual dental benefits-no matter where they live-at absolutely no cost or administrative burden to you. MLBMA enrolls all members, collects premium payments directly from policyholders and handles all inquiries through the MLBMA Agency, LLC customer service department.

Great Coverage

Delta Dental individual plans cover a wide range of services-from routine services like oral exams, cleaning, and X-rays to more complex (and expensive) services like bridges, crowns, and dentures.

Great Network

With these Delta Dental plans, enrolled can go to any licensed dentist, anywhere. However, they will save the most money by choosing one of the thousands of dentists who participate with Delta Dental in the largest network of dentists in the United States.

Dental Plan Options:

MLBMA 1000 Plan Information >>

MLBMA 2000 Plan Information >>

MLBMA 3000 Plan Information >>

Affordable Rates

Contact Jodi Barber, Michigan licensed insurance producer for health, life, and accident coverage at MLBMA 517-394-5225 x 106.

Property & Casualty Insurance - Safety Group Program
 
With over 100 years of experience in the specialty insurance industry.  ILM recognizes the short and long-term challenges that influence your business decisions and insurance needs. As a result, ILM offers products designed to meet the challenges inherent to the lumber and building materials industry and leads the way in property insurance protection with big savings through MLBMA.

MLBMA members are eligible for premium savings and the Safety Dividend Program. Creating a sound safety program and implementing loss prevention procedures by each safety group participant is a key component in the success of the MLBMA/ILM Property and Casualty Dividend Insurance Safety Group Program.

How the Property & Casualty Dividend Program Works
A safety group is a loss sensitive insurance program that enables employers in the same industry to combine their insurance premiums with the goal of reducing their insurance premiums. While it is possible that an individual safety group participant may have a substantial loss in any given year, most of the participants of the group will not.  The group program spread the risk from the individual policyholder to the entire group.  That often allows a portion of the premiums to be returned to the member in the form of a dividend, although dividends cannot be guaranteed.
 
"Insurance purchasing can be one of the most important purchases I make for my company on a yearly basis. We operate six different operations that requires, in some cases, different types of insurance.  I found the right fit for us in the Indiana Lumbermen's Mutual Insurance Company, the ILM Group. John Millerwise is our agent and he knows our business. John understands what is important to the building material dealer so that we have the right kind of insurance coverage for our different operations.  The ILM Group and John Millerwise was the right choice for us."  

Roy Schryer- Cheboygan Lumber Company

Let's Talk Property & Casualty Coverage

John Millerwise
Insurance Specialist

Phone 989-545-6300
Cell 989-280-9800
Fax 989-879-2356 
john@mlbma.org