MMIA Employee Benefits Program Membership 

Requesting Rates (Typically takes 2-3 weeks)

MMIA will provide custom rates based on your city/town’s prior 24-36 months of claims data or completed employee health questionnaires. Receiving your claims data will allow us to provide rates for the MMIA menu of standard plans more quickly. MMIA has very low administrative costs and rates reflect what your group will cost the program based on your specific utilization. 

There are two options to get a rate quote:

Option 1: 1-3 Employees – standard rates

Option 2: 4+ Employees – Provide MMIA with 24-36 months of claims data from your current TPA or insurer. It typically takes 2-3 weeks from when we receive your complete data to provide a quote.  If claims data is unavailable, each employee must fill out a health questionnaire. (Instructions found here.) Once MMIA receives all employee questionnaires it will take up to four weeks to process them and return a quote to the city/town.

Note: Rates will be given with a specific effective date in mind. Should your city/town decide to delay or join after that effective date, new rates may need to be calculated with updated data or new employee health questionnaires.

Joining the MMIA Employee Benefits Program

Should your city/town decide to join, you will need to:

1. Pass a resolution (sample resolutions linked below).

2. Sign the Program Agreement (PDF) and Large Claims Disclosure forms (PDF)

3. Complete the Group Election Form online.

The Group Electon Form indicates which options your city/town will offer eligible participants.

Medical – MMIA offers a menu of medical plans. 

Dental and Vision – MMIA offers the option to participate in our self-funded dental (with or without orthodontia) and/or vision coverages. If you choose to offer either of these, you must have at least 80% of your eligible employees enroll.

Basic Life and AD&D – Fully-insured life insurance through Mutual of Omaha. Employer-paid. 100% of eligible employees must enroll.

Voluntary Term Life and AD&D – Fully-insured life insurance through Mutual of Omaha. Employee-paid.

Some cities and towns allow elected officials to participate.  There is a separate resolution for that they have to complete. Sample resolutions can be found below:

Sample City Elected Official Resolution

Sample Town Elected Official Resolution

Implementation (Takes 90+ days)

Once we’ve received the resolution, Program Agreement, Large Claim Disclosure Form, and Group Election Form, we will begin the process of implementation. All employees will need to complete an online Enrollment Form. 

Depending on the complexity of your benefit selections, this process can take up to 90 days or more. During this process, we will coordinate with you to build out benefit selections, set up the participant enrollment process and get participants enrolled. This can include coming to your city/town for in-person or virtual education sessions with employees and retirees. These presentations are critical to helping incoming participants understand any changes in their coverages, who MMIA is, and what resources they now have available to them.