About the AHP

About the AHP  

Association Health Plan

The Kentucky Bar Association is committed to the highest standards of excellence and inclusion within the legal profession and strives to provide valued resources to its members. Now, thanks to the collaboration between the Kentucky Bar Association and the administration of Mercer, you now have the opportunity to provide more affordable health care to your firm. Firms employing at least one owner, and one full-time, W-2 employee are eligible. If you are currently enrolled in a small or large group non-AHP plan, you are eligible to participate in the KY Bar AHP. If you are currently participating in another Anthem KY AHP, you must enroll in coverage that is not an Anthem-AHP for at lease one month prior to being eligible to participate in the KY Bar AHP.

 

This Association Health Plan (AHP) offers Kentucky Bar Association member employers the ability to take greater control over their health care costs while improving the health care solutions for their employees. This exclusive, member-only offering allows you to select among more than 15 medical plan designs, comprehensive dental and vision plans and group life and disability options.

 

You can work with your current health insurance broker to obtain coverage through the Kentucky Bar Association Health Plan. Please note that you must work with a broker to obtain a quote. Direct submissions to the carriers will not be accepted. If you need a broker, please click here to find a broker.

 

 

ALREADY OFFER COVERAGE? THESE PLANS MAY SAVE YOU ON YOUR HEALTH CARE PREMIUMS

 

 

Onboarding Solution

Our web-based onboarding process will provide the information most important to your firm, such as benefits available, your cost, and how to roll out benefits to your firm.
Using the onboarding solution, you can:

  • Learn about the competitive and flexible medical coverage options available through the Kentucky Bar Association.
  • Request and review quotes online, and purchase competitive benefit plans and network options.
  • Select plan designs with access to employee contributions tools to help develop acceptable net costs for you and your employees.

 

It's easy to get a quote for Kentucky Bar Association member clients.

 

Enrollment and Engagement

Once you have signed up, our technology-based enrollment system will provide a streamlined, easy-to-use shopping experience for your employees. Eligible employees will receive an email notifying them that it is time to go online and enroll in coverage. They will be able to review the plan(s) you chose for your firm and select their plan for the upcoming plan year. In addition to clearly explaining the benefits available, the site provides guided shopping tools to help individuals select the most appropriate plans and benefits to fit their family needs. The online enrollment system also allows you to easily manage eligibility including adding newly eligible employees and terminating employees’ coverage as needed. In addition, a dedicated customer support staff is available to assist both you and your employees with their enrollment and ongoing administrative questions.

 

Kentucky Bar Association Health Plan Advantages for You

  • Customized plans built for your firm
  • Potentially lower costs and better plan options
  • Unique product offerings available only through the Kentucky Bar Association

 

Kentucky Bar Association Health Plan Advantages for Your Firm

  • Competitive premiums
  • Choice, flexibility and efficiency in plans
  • Best-in-class carriers

FAQs

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  • What is an AHP?
    An Association Health Plan (AHP) is a health plan offered by a group of employers within an association. The Kentucky Bar Association Health Plan is a bona fide pre-rule industry-based Association Health Plan (AHP). Being an AHP allows member firms to band together to manage and purchase coverages at a manageable price.

  • Who is eligible?
    The AHP is available to employer-members of the KBA.  Due to the laws regulating AHPs, your law firm must be a minimum of an owner and one W-2 employee. The law firm also must be domiciled in Kentucky. Available to full-time attorneys, staff and family members. Seasonal and temporary employees are not eligible.

  • Are there any specific plan rules you should know?

    Plan Waiting Period New Hire Coverage Effective Date New Hire Coverage Termination
    Medical 30 days 1st of month following Last Day of the Month of Termination

    For medical coverage, the minimum participation requirement is 50% of net eligible employees (net of

    valid waivers). Valid health benefit waivers include:

    • Spousal group coverage
    • Medicare/Medicaid
    • Coverage through other employer
    • Federal Employee Health Benefit Program (FEHB)
    • State low-income plan
    • Coverage under a parent’s plan (up to age 26)
    • Railroad workers in a government sponsored plan
    • Any recognized religion that opposes health insurance
    • Individual coverage

    A minimum of one employee must be enrolled.

    For example, if a group has 14 total eligible employees and 4 of them have spousal group coverage and waive their employer’s coverage, that leaves 10 net eligible employees. 50% of net eligible employees (5) are required to participate. Therefore, a minimum of 5 employees must enroll to meet minimum participation.

  • For how long is my quote valid?
    90 days from when quote is provided.

  • How long are my rates guaranteed?
    The AHP's plan year is January 1 - December 31. If you begin coverage on January 1, your rates are set through that 12-month plan year. If you begin coverage during the year, your rates are set from when coverage begins and through December 31. You will then receive new rates for January 1 - December 31.

  • Can I offer this AHP in addition to current coverage?
    No, this is required to be an exclusive product offering. This plan is exclusive for medical coverage, but you are able to offer other benefits such as dental and vision.

  • Who is Mercer?
    Mercer delivers advice and technology-driven solutions that help organizations meet the health, wealth and career needs of a changing workforce. Mercer is a wholly owned subsidiary of Marsh & McLennan Companies (NYSE: MMC), the leading global professional services firm in the areas of risk, strategy and people. Through its market-leading companies including Marsh, Guy Carpenter and Oliver Wyman, Marsh & McLennan helps clients navigate an increasingly dynamic and complex environment. For more information, visit www.mercer.com. Follow Mercer on Twitter @Mercer.

  • I already have a broker, can I obtain a quote?
    If you already have a broker, your broker may work directly with each carrier to obtain a quote. See carriers.

  • Who will operate the plans?

    The plan’s Governing Committee will manage KBA’s fully insured medical plans with the support of Mercer and the carriers.

  • How do we administer COBRA?

    The Kentucky Bar Association Health Plan is considered a large group health plan and therefore subject to the COBRA rules and regulations for continuation coverage. The Plan selected McGregor & Associates as the COBRA vendor partner. You will receive an email with information about how you can work with McGregor to ensure continuation coverage is offered to any qualified beneficiaries. You are free to choose your own COBRA vendor if preferred; however, a waiver must be provided to MultipleEmployerSolutionSupport@mercer.com.

     

    McGregor