Discounted Health Insurance

The United Healthcare Level Funded Plan is a unique benefit plan offering medical, dental, and vision programs specifically for Iowa State Bar Association employer groups — with a special discount provided to ISBA members that is not available elsewhere. ISBA members will receive a 4% discount on posted insurance rates, plus the ability to obtain a rebate if group claims are lower than anticipated.

Why choose the United Healthcare Level Funded Plan through USI?

• Exclusive Discounts – 4% discount on posted insurance rates for ISBA members and potential rebates if group claims are lower than anticipated
• Flexibility – 60 different plan designs to meet your firm’s unique needs
• Additional Savings Options – When bundling dental, vision, and life coverage save up to $6 additional per month for each enrolled medical subscriber
• Built-in Health + Wellness Plan – Employees can earn cash back for wellness incentives
  Built-in Support – Human resources and compliance resources to help you manage administrative matters
• Monthly Claims Reporting – Analytics to help you better manage employees’ benefit usage
• Strength and Stability – Top quality providers from the UnitedHealthcare Choice Plus national network, which includes the Mayo Clinic

As part of the due diligence process when evaluating program options for members, ISBA used this plan to provide health insurance to its own employees. In the first year, the ISBA lowered premiums by 6%. After 15 months on the plan, the association received a rebate of approximately 7%, or $3,900, due to lower-than-expected claims. Depending on claim experience, member firms can experience similar savings.