Group Insurance
To better serve our members, NASW Assurance Services selected a group insurance administrator, Association Group Insurance Administrators (AIGA), and group insurance company, The Hartford*.
One of the greatest benefits of having AIGA and The Hartford as our program partners is our ability to provide improved group insurance benefits without increasing premiums.
*The Hartford is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.
Following are the various enhancements to the ASI group insurance program:
- A Felonious Assault Benefit is added to our members’ term life and accidental death and dismemberment programs. At times, you’re inadvertently put in harms way as a social worker. If you’re a victim of an assault and are seriously injured or die, this new benefit provides you with an additional payment of up to $5,000;
- A 10% Guaranteed Acceptance Inflation Guard Benefit for you, available every year for 10 years with our term life insurance program. Now, our term life insurance participants have the opportunity to increase your current benefit amounts by another 10% each and every year for the next 10 years guaranteed with no medical questions or exam provided you take advantage of the offer at the time it’s made. (Coming soon!)
- A Guaranteed Minimum Disability Benefit for Specified Injuries for our long-term disability insurance participants that specifies a minimum amount of time you must be paid for these covered injuries. This gives you the comfort of a guaranteed starting point – no hassle, no arguments;
- Increased Term Life Maximum Coverage for your spouse/domestic partner from $220,000 to $407,000;
- And, best of all – these enhanced benefits are provided at no additional cost to you!
Our program includes even greater enhancements in NASW’s sponsored term life benefits for your spouse/domestic partner:
- Your spouse / domestic partner is able to keep his / her term life benefits even if you were to die or discontinue your protection;
- Your spouse / domestic partner may get NASW sponsored term life protection even if you have chosen not to take any yourself;
- Your spouse / domestic partner coverage does not automatically include coverage for children saving money for those without children or with ineligible children over age 25;
- And, we are working on improvements to your children’s term life benefits, as well.
Absolutely, simply review the insurance product information on our website. You will find links to get more information, how to enroll, or whom to call for any of our insurance products. If you have any questions about any of the group insurance plans offered to you, simply call 855-835-2160.
You can receive a separate bill for each of your insurance products so that:
- You can schedule each of your payments to be either monthly, quarterly, semi-annually, or annually;
- You can have one of your insurances paid out of a business account and another from your personal account;
- You can pay one quarterly and another, monthly, semi-annually, or annually;
- You can have one paid automatically out of your checking account and, with another, have a bill sent to you.
- And, if you prefer, you can receive a single billing statement. Simply call your Customer Care Center at 866-591-8267.
You can go completely green by choosing paperless billing and payment options. Your billing system provides both Electronic Fund Transfer (EFT) and automated credit card payment options.
By choosing either of the electronic payment options, you will not receive any bills in the mail at all, and our environment will benefit. Even better, so will you. You’ll save yourself time and money. No more writing checks, licking stamps, or mailing bills.
The Hartford* is a leading provider of life insurance and group benefits known for its financial strength and stability, and recently recognized as one of the world’s most ethical companies by The Ethisphere Institute. In business nearly 200 years, The Hartford supports programs that reflect values typically supported by social workers, for example, investing in communities that help those with disabilities and focusing on products for seniors as they age.
Association Group Insurance Administrator is a premier third-party administrator specializing in serving association members for 50 years. They offer you multiple flexible billing options, licensed insurance representatives to assist you, and a convenient, single point of contact for all your group insurance questions and needs.
*The Hartford is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.
For group insurance questions, simply call 866-591-8267 for billing, insurance quotes, requests for changes to existing coverages, requests for applications, or additional information. Or write to:
Association Group Insurance Administrators
P. O. Box 26450
Phoenix, AZ 85068
If you have group insurance claims questions or need to submit a claim, call 866-891-8267. Or, submit your group insurance claim to:
NASW Assurance Services
Group Insurance Administrators
P. O. Box 9060
Phoenix, AZ 85068-9060
All benefits are subject to the terms and conditions of the policy. Policies are underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued.
Health Choices
NASW Assurance Services is now offering a one-stop health insurance shopping service to connect you, your family members, and your clients with licensed health benefits consultants who can help you navigate the complicated and time-consuming process of finding and enrolling in medical insurance, dental or vision plan just right for you.
We’ve partnered with Augeo Benefits, formerly Benefit Protect, to bring NASW members timely and knowledgeable assistance in navigating both public and private health insurance options, including options newly available through the federal and state exchanges under the Affordable Care Act (ACA). When you call, you can also receive help to determine whether you are eligible for a government subsidy towards your health insurance premiums. And typically, you can enroll right over the phone.
Simply call (866) 206-8509 to speak with a licensed NASW Health Choices Program representative Monday- Friday, 9 am – 9 pm Eastern Time/ 6 am – 6 pm Pacific Standard Time.
Once enrolled, you will have individual coverage directly through the insurance carrier. You will not have group health insurance through NASW or NASW Assurance Services.
Following your enrollment, you will still have access to the Health Choices Program representatives who can assist you with questions, policy renewals, or plan changes
Costs will vary depending on your location, the level of benefits you select, and certain other factors. One of the benefits of this service is that it allows you to shop and compare rates for a variety of health insurance plans from a variety of carriers, and it gives you the ability to specify that your doctor is in your network, or for you to choose a higher or lower deductible depending on your needs.
The best thing to do is call 866-206-8509 to speak with a licensed representative through My NASW Health Choices Program who can give you a personalized quote (or quotes) based on your needs.
No, this is not a group health insurance plan, and there is no member discount. This is individual coverage between a major insurance carrier and you, the individual NASW member, and/or your family members. The coverage is not between you and NASW or NASW Assurance Services.
NASW Assurance Services is developing a Health and Wellness Corner for NASW members, under which the My NASW Health Choices Program is available. In addition, ASI offers Life Line Health Screening services for NASW members and their families at a discounted rate and is always looking to introduce new health and wellness products and services to benefit NASW members and their families.
Related insurance programs available to NASW members at https://www.naswmemberinsuranceprograms.org// include Term Life, Long Term Disability, 50+ Term Life, Long Term Care, Accident Insurance, and Medicare Supplement, to name just a few.
NASW Assurance Services has partnered with Augeo Benefits to bring you this one-stop health insurance shopping service. You can receive timely and knowledgeable assistance in understanding not only the private health insurance plans offered through the exchanges created under the ACA, but also private health insurance plans available outside of the exchanges and government programs that might be available, such as Medicaid or Children’s Health Insurance. You can also find out if you’re eligible for a government subsidy towards your health insurance premiums, as well as cost-sharing subsidies. And typically, you can enroll right over the phone.
The My NASW Health Choices Program has more than a ten-year track record of assisting NASW members with private options for major medical, dental, and vision insurance, and is now able to assist NASW members across the country in finding and applying for health insurance options available through the federal and state exchanges that opened October 1, 2013.
Hundreds of licensed benefits consultants will be available to help you navigate the often complicated and time-consuming process of finding and enrolling in medical insurance, dental or vision plan just right for you. You will not have to wait in line for someone to respond.
This program also comes with the additional support and advocacy of NASW Assurance Services, overseen by a Board of social workers like you, and whose staff are managing our program partnerships and can assist you.
Through the My NASW Health Choices Program, you will have access to major A or A-rated national insurance carriers, including Humana, Aetna, United Healthcare, and Assurant, and many others. The public and private major medical program options and carriers are changing frequently due to health reforms underway, and options will vary by state.
However, you should have access to the same options, and possibly more options, in the private market, at the same costs as those available to you through the federal and state insurance exchanges. My NASW Health Choices Program representatives can help you compare the options available both in and outside of the exchanges.
Hundreds of call representatives will be on hand, ready to assist you in a knowledgeable and timely manner with health insurance, dental and vision insurance options.
Simply call 866-206-8509 to speak with a licensed My NASW Health Choices Program representative Monday- Friday, 9 am – 9 pm Eastern Time/ 6 am – 6 pm Pacific Standard Time.
Members who have used the My NASW Health Choices Program service in the past have rated their satisfaction with customer service and product knowledge very highly.
Learn more, and calculate whether you are eligible for a subsidy, at www.mynaswhealthchoices.org.
Some individuals and/or families meeting certain income criteria may qualify for a federal government subsidy or tax credit on health insurance purchased through the health insurance exchanges, also called the marketplace.
To see if you are eligible for a subsidy, contact the My NASW Health Choices Program at 866-206-8509. You will be asked to provide income information during the enrollment process, and a licensed health benefits counselor will help determine whether you are eligible and if so, your subsidy or tax credit amount.
Learn more about health insurance subsidies, and calculate your eligibility, at the Henry Kaiser Family Foundation website at http://kff.org/interactive/subsidy-calculator/.
As of January 1, 2014, under ACA most individuals are required to have minimum essential health insurance, and with limited exceptions, you cannot be denied coverage. For those who have been uninsured or denied coverage in the past, you will have more options. For those who don’t obtain coverage, there may be penalties. Government subsidies will be available on health insurance premiums for those individuals or families who meet the government income criteria.
Important Dates and Deadlines:
- Open Enrollment begins October 1, 2013
- Coverage begins under ACA guidelines January 1, 2014
- Open Enrollment ends March 31, 2014
It is very important that you understand your options and responsibilities under ACA. For more information about the Affordable Care Act and how it impacts you, your family and clients, and what to do after the open enrollment ends March 31, please visit www.healthcare.gov.
NASW has developed a wealth of resources and information links that are also available to you that help answer this question in more depth at: http://www.socialworkers.org/advocacy/healthcarereform/default.asp.
Please also make sure to follow NASW and NASW Assurance Services on Facebook, Twitter and Linked In for periodic updates.
Yes, the My NASW Health Choices Program one-stop shopping service is available to you, your family members and your clients.
We’ve designed the My NASW Health Choices Program to make it a one-stop shopping experience. You will have access to knowledgeable and experienced licensed insurance professionals who already have a track record of providing NASW members quality customer service with private insurance options. Additionally, the benefits consultants will be able to assist you with private health insurance options as well as the mandated ACA options as they are available through the federal and state exchanges. You can also receive help in determining your eligibility for a government health insurance subsidy.
In addition to the personalized consultation and convenient shopping service it provides, another important benefit of going through the My NASW Health Choices Program is the advocacy and support of NASW Assurance Services for NASW members and social workers in a variety of ways.
Unlike most public corporations uniquely interested in the bottom line, NASW Assurance Services is a wholly-owned subsidiary of NASW that exists to serve NASW members by offering and managing programs and services to meet their needs, and advocating on your behalf for quality service, product, and pricing.
NASW Assurance Services reinvests funds it receives in connection with offering an insurance program or service, after program costs, in funding new initiatives and program enhancements to help NASW member policyholders.
NASW Assurance Services looks for ways to add value for you, for example, by enhancing NASW’s insurance programs with new benefits and increasing benefit levels while not passing those costs on to you in higher premiums. NASW Assurance Services also supports various other NASW programs that focus on supporting you, your community and our social work profession more broadly.