For over 215 years, HCMA has represented the voice of Hartford County physicians and their patients. We offer not just a wealth of benefits, like networking events, discounts, action alerts and workshops, we also give you and your patients a way to get involved in the fight for the future of health care.
Don't be left behind! Find out the latest news, whether it's a policy change, a contract change, billing and coding news and alerts or anything else that affects the way you practice medicine.
HCMA's Event Calendar includes a variety of valuable seminars and events. Our goal is to offer our physician members and their staffs the knowledge and resources necessary to manage a successful practice.
Looking for a doctor who supports quality patient care? Search our directory of HCMA members for a physician in your community. You can search by speciality or geographic location.
• Legislative Oversight and Key Contact Program
• Health, Disability and Professional Liability Insurance Programs
• HAVEN (Health Assistance InterVention Education Network)
Program for the identification and rehabilitation of health care professionals suffering impairment
• Peer Review Programs
• Media Campaign
• Patient Advocacy
• Responses to Regulatory and Ethical Questions and Practice Management Inquiries
• Health System Reform
• Community Health Programs
• Educational Seminars for Physicians and Their Staff
• HCMA Foundation - Established for Charitable and Educational Purposes
• Distinguished Service Award
• Community Service Award
• MedNotes - circulation 2,200
The HCMA currently endorses Anthem Blue Cross
& Blue Shield
carrier for its endorsed programs of health insurance for the Medicare
members and their spouses. There are three plans in place:
1. The High Option Plan 81 with Major Medical is currently frozen and not accepting new members. This plan is deemed to be “CREDITABLE” coverage.
2. Medicare Supplement Plan F with an Unlimited Prescription Drug Rider and No Donut Hole otherwise not available to members on a stand alone basis. This plan is deemed to be “CREDITABLE” coverage.
3. Medicare Supplement Plan F without Prescription Drug Coverage. This plan is NOT deemed to be “CREDITABLE” coverage.
The HCMA currently endorses two carriers and plans
for members, their
families and staff. Both are VOLUNTARY and not subject to normal
and participation requirements.
1. The CIGNA DMO requires utilization of their providers with no deductibles or annual caps at extremely competitive rates.
2. The MetLife plan is a more traditional plan with deductibles, co-pays and a cap on spending. It does, however, allow for the utilization of any licensed provider.
The HCMA currently endorses MetLife. All member physicians and staff are eligible for one and one half times their salary subject to a maximum of $300,000. Guaranteed issue for some of the coverage is available for new entrants to the plan who apply within sixty days of becoming eligible. Current rates are being reduced by 25%, making the plan extremely competitive, especially at the earlier ages.
The HCMA once endorsed CNA for LTC. We have a
policies in force and continue to service the policies without problems.
For new applicants we are currently writing with Genworth, MetLife, John Hancock, Prudential and Massachusetts Mutual while we search for a new endorsed carrier that will either provide some underwriting advantages or premium discounts. With nursing home costs in Connecticut already in excess of $100,000 a year and increasing yearly, protecting the assets you accumulate from a long term illness not covered by your health insurance or Medicare is becoming an increasingly important consideration.
1. The HCMA once endorsed Massachusetts Casualty
disability insurance. The Company was sold but a number of policies are
and continue to be serviced.
2. MetLife - up to $17,000 per month benefits available at a 10% Association discount. Optional riders include residual disability, your occupation, cost of living adjustment, and automatic increase benefit.
3. The HCMA also continues to endorse the following coverage through The Hartford:
a. Weekly Disability - 15% benefit increase due to positive experience. Some Guarantee issue for new
b. Office Overhead Insurance
c. Both utilize banded rates and have short elimination periods and long benefit durations which are not the norm in today’s marketplace.
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.
To learn more, visit CMIC's website at www.cmic.biz.
The HCMA offers up to $100,000 of AD&D through
For information regarding any of your insurance needs or the endorsed products, please contact our agent, Richard A. Heimgartner, CLU, ChFC, of Heimgartner Insurance Services, Inc. at 860.436.3991