Plans

The NAW Health Insurance Program includes group medical, dental, life/AD&D and tax–advantaged solutions. These exclusive plans combine flexibility, security and savings.

Medical Plans

• PPO Plans – Member companies can choose from numerous plan designs — including traditional and high-deductible plans with varying deductible and coinsurance levels.
  
  The PPO plans offer a wide network of physicians, specialists and hospitals. Employees have the freedom to choose any doctor or hospital they prefer, but receive greater benefits and lower out-of-pocket costs when they visit an in–network provider.
  
  Additionally, if a member company has at least 200 employees electing medical coverage, there are opportunities to further customize the plan with alternate funding arrangements and plan designs.
  
  For a list of the list of managed care networks associated with these medical plans, click here.

Ancillary Plans

• Dental – Choose from three different dental plans, covering both basic and major dental services, while allowing employees to visit the dentist of their choice.
• Life/AD&D – Provide financial protection and security to employees and their families with group term life/Accidental Death and Dismemberment (AD&D) insurance. This coverage complements group medical plans and allows employers to offer a comprehensive benefit package to attract and retain employees.

Tax-Advantaged Plans
Member companies can choose from a wide range of consumer-driven, account-based programs to fit their unique needs and budgets.

• Health Savings Accounts (HSAs) – Allow employees to manage, control and pay for qualified healthcare expenses with tax&#-free dollars.
• Health Reimbursement Arrangements (HRAs) – Allow employers to define and control how their benefit plans are funded.
• Flexible Spending Accounts (FSAs) – Allow employees to plan ahead and set aside tax-free dollars for non-reimbursed healthcare expenses.
• Transit Reimbursement Accounts (TRAs) – Allow employees to pay tax-free for transportation and parking expenses for the purpose of commuting to and from work.
• COBRA Administration – A complex administrative function that ensures member companies remain in federal compliance.

Products sold or administered by Trustmark Affinity Markets are underwritten by Trustmark Life Insurance Company or Trustmark Insurance Company, Lake Forest, IL. Plan availability and/or benefits may vary by state. Tax-advantaged solutions are administered by Flexible Benefit Service Corporation (Flex), Rosemont, IL.