Virginia State Bar Members' Insurance Center - VSBMIC - Products

Products

Courthouse

Health Insurance  •  Member Term Life Insurance  •  Disability Income Insurance

Health Insurance

It is important to note that the VSBMIC is not wedded to any particular health insurance company. Serving as a broker or agent, VSBMIC routinely performs a market comparison of all major health insurance companies for a law firm or group. Our comparisons show concrete rates for a variety of products from all major health insurance companies.

The popular Anthem/VSB program protects nearly 6,000 lawyers, family members and staff. PPO, HMO and HSA options are available. Thanks to the Virginia State Bar’s endorsement, groups receive Value-Added Benefits, or extra benefits at no additional cost. These benefits apply to all Anthem/VSB products. To be eligible for this coverage, the firm must be located in the Anthem Blue Cross Blue Shield service area. Anthem’s service area is Virginia, excluding the city of Fairfax, the Town of Vienna and the area east of State Route 123.

The VSBMIC also guides individual VSB members, staff members, and family members in getting individual health insurance. Individuals do not pay a nickel extra by allowing VSBMIC to be their agent than if they contact the insurance companies directly and go through the health insurance maze alone.

Dental Insurance

The Virginia State Bar Members’ Insurance Center can assist an individual or an entire firm with dental insurance.

Medicare Supplements

Should anyone in your group be approaching age 65 sometime in the next year, please call us and we will assist in getting these people a Medicare supplement. Please note they won’t pay a nickel more for the Medicare supplement to receive our assistance than if they were to contact Anthem directly. Also, we can see that a spouse remains in the Anthem/VSB program if the attorney selects an Anthem Medicare supplement.

Coverage for Dependents After Age 26

Anthem and most insurance companies require dependents to come off their parent’s group plan by the end of the month when they reach age 26. At no additional cost, we can assist in securing other coverage for their dependents.

Member Term Life Insurance

After a thorough review of the marketplace, the VSB Life Plan changed its life insurance company to The Prudential Insurance Company of America (Prudential) effective May 1, 2010. A letter to plan participants announces this change. Click to open Life Letter – March 2010 (PDF). This transition resulted in a rate reduction for all plan participants.

VSB members and their spouses may apply for this Member Term Life plan at group rates. The coverage is issued by The Prudential Insurance Company of America. Each application will be accepted or declined by Prudential. One can apply for a little or a lot; the maximum is $1 million. For enrollment information and rates, please see the brochure and application. Discounts are available to non-smokers and to those applying for $300,000 or more of coverage.

Please complete the application form and fax or mail to:

Virginia State Bar Members’ Insurance Center
9954 Mayland Drive, Suite 2200
Richmond, Virginia 23233
Tel (877) 214-5239 • Fax (855) 862-8452

Click to open:  Life Brochure (PDF)  •  Life Application (PDF)
Life Application - NC (PDF)

Member Term Life coverage is issued by The Prudential Insurance Company of America, Newark, NJ. Please refer to the Booklet -Certificate, which is made a part of the Group contract, for all plan details, including any exclusions, limitations and restrictions which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by Prudential, the terms of the Group Contract will govern. COA#1179, NAIC#68241. Contract series 83500.
0288776     0288776-00001-00

Disability Income Insurance

Group rates and an own occupation definition make this program exceptional.

This plan allows only Virginia State Bar members to apply for disability income insurance. It offers the attorney the best of both worlds. First, it uses an “own occupation” definition of disability rather than “any occupation”. Second, it has very competitive rates”. For enrollment information and rates, please see the brochure and application. This plan is fully insured by Union Security Insurance Company (an Assurant Company). Coverage may be applied for in limits up to $10,000 per month.

Please complete the application form and fax or mail to us.

Virginia State Bar Members’ Insurance Center
9954 Mayland Drive, Suite 2200
Richmond, Virginia 23233
Tel (877) 214-5239 • Fax (855) 862-8452

Click to open:  Disability Brochure (PDF)  •  Disability Application (PDF)

Please submit a completed HIPAA Privacy Form along with your completed Disability Income Insurance Application.
Click to open: HIPAA Privacy Form (PDF)