The California Medical Association (CMA) is proud to offer savings on best-in-class products that provide safety, service and stability to members.
Your membership at work! CMA actively works on your behalf to keep your workers’ compensation costs low through legislation and aggregating your policies with other practices through the Sponsored insurance program.
GROUP HEALTH INSURANCE
Groups of 1 to 50 members and employees have access to Blue Shield of California, Anthem Blue Cross, Aetna, Kaiser, Health Net, California Choice and UnitedHealthcare. Participating members receive complimentary enrollment in H&R Knowhow, a special tool that provides guidance on many HR issues, such as cafeteria plans, ERISA, COBRA, FMLA, domestic partnership and HIPAA.
GROUP DENTAL INSURANCE
With the group dental program, you have options each time you need dental care. If you use an in-network dentist your out-of-pocket expenses will be lower. Or, you can visit any out-of-network licensed dentist and the plan will pay a percentage of allowable (usual and customary) charges.
BUSINESS OWNERS PACKAGE
This policy provides property and general liability protection (non-professional) for your practice. Coverage includes replacement cost for buildings and business personal property, theft, employee dishonesty, computer equipment/software, data compromise, loss of business income and extra expense, tenant's legal liability, and umbrella limits.
Cyber Liability Insurance helps businesses survive data breaches and cyber attacks by paying for recovery expenses. When cybercriminals infiltrate a network, hold data hostage, or acquire sensitive data, the company they steal from can be held liable for the incident. That's where Cyber Insurance comes in. It can often pay for customer notification, credit monitoring, legal fees, and fines after a business experiences a breach.
AUTO & HOME INSURANCE
CMA members receive a discount on top of Mercury’s already low rates for both home and automobile coverage. By combining auto and home coverage, CMA members can receive an even deeper discount.
Life insurance can be a strategic financial tool, and provides protection to loved ones and dependents. Association Member Benefits Advisors (AMBA) offers several types of coverage, and is a trusted partner.
LONG-TERM DISABILITY INSURANCE
Becoming totally disabled could stop your ability to earn an income in a split second. Make sure you have a reliable financial plan in place that includes long term disability income protection. Members under age 50 may apply for benefits up to $10,000 per month. Members age 50 to 59 may apply for up to $6,000 per month.
Please Note: AMBA and CMA do not render tax or legal advice. You should consult your advisors regarding applicable tax or legal consideration. The summary above is only provided as a general overview and should not be used to make decisions on coverage. In the event of any conflict between the information above and the policy, the policy will govern.