Montana Nonprofit Association

On this Page:
Major Medical 
Director & Officers Liability 
Limited Benefit Health Insurance
Unemployment Insurance Savings Program

 

Major Medical Health Insurance Program

The MNA Health Plan offers seven options. Each employer group will be initially rated on their own age demographic and health risk to determine the premium rate for that group. Going forward, risk - and therefore rate increases - will be shared across the entire pool of users - currently at 1000 lives. Any 501(c)(3) organization that is a member of MNA is eligible for our health insurance plan.

As an association plan, we now have a "plan year" that starts each July. Rates are available for employee only, employee plus spouse, employee + family and employee + child(ren). Some Plans are also available to groups with one eligible employee. In addition to health and prescription drug benefits, each plan also includes the following enhancements:

• 100% paid annual Vision exam benefit for all enrolled family members on the health plan
• $5,000 Life and AD&D insurance for the insured.
• 24/7 toll-free Health information hotline to registered nurses who can help you make the best, most informed choice for your healthcare needs

To learn more about our health insurance plan, visit our FAQ, or contact Mountain West Benefits - they can refer you to a qualified agent that can get you a quote. MNA employees cannot provide quotes for health insurance. Download BCBS application.

Questions?
For more information about the program, contact Brad Robinson, Member Services Director of the Montana Nonprofit Association at brobinson@mtnonprofit.org or 406-449-3717

Limited Benefit Health Insurance
Montana Nonprofit Association, Symetra, Insurance Coordinators of Montana, and Mountain West Benefit Solutions have partnered to offer a limited benefit health insurance policy to MNA members.

Select Benefits gives MNA members access to cost controlled health insurance and enables nonprofits to provide all eligible workers and their families with essential medical benefits. While Select Benefits is not designed to substitute for comprehensive medical coverage, the policy does provide eligible employees and their family members with coverage for such routine benefits such as doctor's office visits, hospital stays, and prescription drug benefits.

Program highlights:

• Coverage for groups of one eligible employee
• No preexisting condition limitations
• No deductibles
• No required networks

Eligibility

• Employers must be 501(c)(3) members of the Montana Nonprofit Association
• Full-time, part-time and seasonal employees may be deemed eligible
• Employee, spouse and dependents are covered under composite premium

For more information about the program, click here.

Select Benefits is not a replacement for major medical policy or other comprehensive policy. It is designed to provide a preselected fixed dollar amount for covered benefits used on a routine basis. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. Select Benefits is insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Select Benefit Administrators of America is a divisions of Employee Benefits Consulting, Inc., a Symetra Company.

  

Director & Officers Liability Insurance Program

The Montana Nonprofit Association (MNA) endorses Monitor Liability Managers, Inc. as MNA's preferred provider of Directors and Officers Liability Insurance.

Monitor is a wholly-owned subsidiary of W.R. Berkley Corporation operating nationally as an underwriting management company specializing in professional liability insurance. Monitor places coverage only through member companies of W.R. Berkley that are "A" (Excellent) or better by A.M. Best.

Overview
Protecting your organization from management and employment practices liability through Directors and Officers insurance is important for today's nonprofits. Montana’s Immunity Law does not protect your organization from legal action or from incurring expenses related to legal defense. Monitor provides among the broadest coverage available on the market and includes coverage for employment practices liability, personal injury, defense costs outside the policy limits, third party liability, and more. Coverage is available for most non-medical organizations. Premiums will vary depending on total assets, number of employees, and activities of the nonprofit.

Director’s and Officers Insurance Frequently Asked Questions

Program Highlights
A few of the many highlights of the program include:

• Preferential pricing for MNA members starting at $825;
• Multiple deductible options of $500, $1,000 and $2,500;
• $1,000,000 limit of liability (defense costs outside policy limits);
• Professional staff of in-house attorneys for claims;
• Simple application and quotation process

The MNA D&O Program is administered by in-state brokers at Payne Financial Group, Inc. To obtain a quote, download information and an application form (click here), complete, and fax it to Erik

Limited Benefit Health Insurance

Montana Nonprofit Association, Symetra, Insurance Coordinators of Montana, and Mountain West Benefit Solutions have partnered to offer a limited benefit health insurance policy to MNA members.

Select Benefits gives MNA members access to cost controlled health insurance and enables nonprofits to provide all eligible workers and their families with essential medical benefits. While Select Benefits is not designed to substitute for comprehensive medical coverage, the policy does provide eligible employees and their family members with coverage for such routine benefits such as doctor's office visits, hospital stays, and prescription drug benefits.

Program highlights:

• Coverage for groups of one eligible employee
• No preexisting condition limitations
• No deductibles
• No required networks

Eligibility

• Employers must be 501(c)(3) members of the Montana Nonprofit Association
• Full-time, part-time and seasonal employees may be deemed eligible
• Employee, spouse and dependents are covered under composite premium

For more information about the program, click here.

Select Benefits is not a replacement for major medical policy or other comprehensive policy. It is designed to provide a preselected fixed dollar amount for covered benefits used on a routine basis. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. Select Benefits is insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Select Benefit Administrators of America is a divisions of Employee Benefits Consulting, Inc., a Symetra Company.

Unemployment Insurance Savings Program

The Montana Nonprofit Association (MNA) endorses First Nonprofit Companies and their unemployment savings products.

Overview

Instead of paying the state unemployment tax, nonprofits can elect to opt out of the state system and reimburse the state for validated claims paid to former employees, dollar for dollar. This translates into savings of as much as 50% of your unemployment costs.

First Nonprofit Companies offers several programs for nonprofits which are designed to allow the organization to enjoy the reduced costs of reimbursing without exposing their budgets to unnecessary risk. Each program meets the needs of different size organizations with different budgetary goals. If your organization is a 501(c)(3) with at least 5 full-time employees, one of these programs can probably save you money.

Program Highlights

• A few of the many highlights of the program include:
• Unemployment insurance savings of as much as 50%,
• 20% discount on the one-time enrollment fee for MNA members,
• Stop loss insurance to support the agency in the event of catastrophic layoffs,
• Claims administration services including representation in unemployment hearings and audits
• Training opportunities on employer responsibilities and risk mitigation
• Free cost-savings evaluation conducted by First Nonprofit Companies

Enrolled Nonprofits

Currently, Fifty-three (53) nonprofits nonprofits in the State of Montana are enrolled in the program and enjoying savings and administrative benefits. Collectively, these nonprofits will save more than $243,000 annually. To find out how much your agency can save each year, complete the free cost savings evaluation and return it to First Nonprofit Companies.

Questions?
For more information about the program, contact Cecilia Piazza, Program Director, at 800-526-4352 (ext. 7729) or visit the First Nonprofit Companies website at www.firstnonprofitcompanies.com.