MEDICAL INSURANCE AND LONG TERM CARE

ANTHEM BLUE CROSS AND BLUE SHIELD (over 65 only)
Anthem Blue Cross and Blue Shield Plan F is available to members and their spouses who wish to obtain Medicare eligibility with unlimited drug coverage. The Unlimited Prescription Rider is available to members through the NHCMA and is not available on a direct individual basis. For those who prefer, there is also coverage without the RX Rider.

CIGNA DENTAL
CIGNA offers two plans. Basic Dental Plan and CIGNA Dental Care (DMO) provide benefits for preventive and basic care. The managed dental plan offers orthodontia coverage and unlimited maximum benefits when using participating dentists.

LONG TERM CARE
Metlife's Long Term Care insurance pays expenses up to the daily maximum benefit for: nursing home care, home health care and personal care, assisted living facility and alternate care facility, and skilled care. Daily benefits can range from $50 to $350. The maximum benefit period can range from two years to lifetime and the waiting period can range from 0 days to 365 days depending on plan selection. Coverage is good worldwide, portable and guaranteed renewable. New Haven County doctors and employees receive a 22% premium discount.

DISABILITY

New England Disability
Coverage can be designed to meet your individual circumstances and specific needs. It is an individual noncancelable and guaranteed renewable policy. Rates are guaranteed not to change to age 65 and an "own occupation" definition is available. Various benefit durations, elimination periods, inflation protection, partial disability and Social Security offsets can be incorporated. New Haven County doctors and employees receive a 15% premium discount.

Massachusetts Casualty Insurance Company
The individual disability program under Massachusetts Casualty Insurance Co. has remained stable in its retention of members. Massachusetts Casualty was sold to Centre Solutions Group, a member of Zurich Financial Services Group by Sun Life of Canada last year. No new policies are being sold as a result of this transaction. No change in the terms and conditions of these policies will occur as a result of this transaction. These policies are noncancelable as long as policyholders continue to pay their premiums in accordance with the terms of their policies.

PROFESSIONAL LIABILITY

Connecticut Medical Insurance Company (CMIC)
The Company’s mission statement: "To provide competitively priced, service-oriented, financially strong, long-term sources of insurance products and services to CMIC members."

CMIC was organized and capitalized in 1984 by the physicians of Connecticut to provide a strong, stable source of professional liability insurance so that the state’s physicians would not be subject to the whims of outside commercial insurers. It is a tribute to physicians’ support and loyalty that CMIC has become the major physicians’ insurer in the state. While companies like CNA, St. Paul, PHICO, MIIX and AHI/SCPIE have come and gone, CMIC is as committed today as it was in 1984 to provide the best coverage available to the state’s medical care community.

CMIC is a mutual company-owned by its policyholders whose primary purpose is to serve the needs of its Connecticut physicians. CMIC sets rates that are necessary to pay losses, not to make a profit or pay dividends to stockholders. CMIC’s claims and policyholder services are unsurpassed. CMIC’s business focus is clear to meet the insurance needs of Connecticut physicians.