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Medical Plans

In-network costs shown. We offer you three medical plans through Aetna and Kaiser.
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HSA-Eligible
FSA-Eligible
Aetna Manage POS (HDHP)
The “PPO Savings” Plan is a High Deductible Health Plan (HDHP). You may use a Health Savings Account (HSA) to set aside money pre-tax to pay for qualified medical expenses. The Firm contributes up to $1,000 per year to your HSA (excluding Partners and Of Counsel).
Deductible

$3,300 (I) / $6,600 (F)

Out-of-Pocket Maximum

$5,000 (I) / $10,000 (F)

Coinsurance

20%

Office Visit (Primary Care)

You pay 20% after deductible

Diagnotic (X-ray/Lab)

You pay 20% after deductible

Specialist Visit

$1,000/year (Excluding Partners and Of Counsel)

Urgent Care

You pay 20% after deductible

Preventive Care

$0 copay; deductible waived

Emergency Room

You pay 20% after deductible

Company HSA Contributions

$1,000/year (Excluding Partners and Of Counsel)

Prescription Drug

Tier 1: $10 copay after deductible

Tier 2: $30 copay after deductible

Tier 3: $50 copay after deductible

Specialty: $30 copay up to $250/prescription after deductible

Learn more

Click the "+" sign and then the "web" sign below to register as a new member for this benefit.

HSA-Eligible
FSA-Eligible
Aetna HMO
Health Maintenance Organization (HMO) plans provide benefits through a network of contracted health care providers. Your medical care will be coordinated by your chosen Primary Care Physician (PCP). Should you require the care of specialists, your PCP will refer you to specialists within the HMO network.
Deductible

None

Out-of-Pocket Maximum

$1,500 (I) / $3,200 (F)

Coinsurance

Office Visit (Primary Care)

$15 copay

Diagnotic (X-ray/Lab)

Specialist Visit

Urgent Care

$35 copay

Preventive Care

$0 copay

Emergency Room

$150 copay (waived if admitted)

Company HSA Contributions

Prescription Drug

Tier 1: $10 copay

Tier 2: $30 copay

Tier 3: $50 copay

Specialty: 30% copay up to $250/prescription

Learn more

Click the "+" sign and then the "web" sign below to register as a new member for this benefit.

HSA-Eligible
FSA-Eligible
Kaiser HMO MERP
With Kaiser, you have the benefit of receiving all your services under one roof. The Kaiser plan comes with a Medical Expense Reimbursement Plan (MERP). Kaiser members will receive a WEX payment card loaded with $2,500 per member up to $5,000 total.
Deductible

None

Out-of-Pocket Maximum

$2,500 (I) / $5,000 (F)

Coinsurance

Office Visit (Primary Care)

$20 copay

Diagnotic (X-ray/Lab)

$10 copay

Specialist Visit

Urgent Care

$20 copay

Preventive Care

$0 copay

Emergency Room

$100 copay

Company HSA Contributions

Prescription Drug

Generic: $10 copay

Brand: $30 copay

Specialty: 20% copay up to $250/prescription

Learn more

Click the "+" sign and then the "web" sign below to register as a new member for this benefit.

Dental Plans

In addition to protecting your smile, dental insurance helps pay for dental care and includes regular check ups and cleanings.

Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery.
DHMO
DHMO plans offer the highest level of coverage. There are no deductibles or annual benefit maximum and there are set copayments for services you receive. If you choose to enroll in this plan, you must select a primary dentist participating in the DHMO network.
Deductible

None

Calendar Year Maximum

Unlimited

Basic Services

Copays vary

Major Services

Copays vary

Orthodontic Services

Children: $2,000 copay | Adult: $2,000 copay

Orthodontic Maximum

Learn more

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DPPO
PPO plans provide you with the freedom to use a dentist of your choice or access the PPO network of dentists. If you use a dentist participating in the PPO network, your out-of-pocket expenses will be reduced, as fees are subject to a negotiated rate.
Deductible

$25 (I) / $75 (F)

Calendar Year Maximum

$2,000/person

Basic Services

You pay 0% after deductible

Major Services

You pay 30% after deductible

Orthodontic Services

You pay 50% after deductible up to $1,500/person maximum | Covers children only

Orthodontic Maximum

Learn more

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Vision Plan

Vision health is essential for maintaining overall well-being, as clear eyesight supports daily activities, productivity, and quality of life.
VSP Vision Plan
The Vision Plan is arranged through Vision Service Plan (VSP). When you see an in-network provider, you’ll receive the maximum level of benefits. The plan also allows the member the freedom to choose an out-of-network provider.
Eye Exam Copay

$10 copay

Materials Copay

$30 copay

Single Lenses

Plan pays 100%

Bifocals, Trifocals, Lenticulars

Plan pays 100%

Frames Allowance

Plan pays $130 then 20% of remaining balance

Elective Contacts

$130 allowance

Eye Exam Frequency

Lens Frequency

Frames Frequency

Learn more

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Important Documents

Savings & Spending Accounts

Savings and spending accounts help you manage healthcare costs by setting aside pre-tax dollars for qualified expenses.

These accounts offer a simple way to save money and plan for medical needs throughout the year.
Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-advantaged savings account designed to help you pay for eligible healthcare expenses.

Paired with a high-deductible health plan, it lets you contribute pre-tax dollars, reducing your taxable income, and the funds roll over year to year, so you can save for future healthcare needs. Plus, HSAs offer triple tax benefits: contributions, earnings, and withdrawals for qualified expenses are all tax-free.

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Annual IRS Maximum

$4,300 (I) / $8,550 (F)

Annual Company Contribution

$1,000/year (Excluding Partners and Of Counsel)

Important Documents
Healthcare Flexible Spending Account (HCFSA)

A HCFSA lets you set aside pre-tax dollars for medical, dental, and vision expenses, with funds that typically must be used within the plan year.

Please Note: Flexible Spending Account (FSA) plans are only available to Staff, Associates and Of Counsel. Partners are ineligible to enroll.

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Annual Contribution Limit (IRS)

$3,300

Important Documents
Limited-Purpose Flexible Spending Account (LPFSA)

An LPFSA is similar to an HCFSA but is limited to dental and vision expenses, often used alongside an HSA to maximize savings.

Please Note: Flexible Spending Account (FSA) plans are only available to Staff, Associates and Of Counsel. Partners are ineligible to enroll.

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Annual Contribution Limit (IRS)

$3,300

Important Documents
Dependent Care Flexible Spending Account (DCFSA)

A DCFSA allows you to save pre-tax dollars for eligible dependent care expenses, such as childcare or eldercare, throughout the year.

Please Note: Flexible Spending Account (FSA) plans are only available to Staff, Associates and Of Counsel. Partners are ineligible to enroll.

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Annual Contribution Limit (IRS)

$5,000

Important Documents

Life & Disability

"Protect your loved ones and your income with comprehensive life and disability coverage. These plans provide financial security and peace of mind when it matters most."
Company-Provided Basic Life and AD&D

We provide a Basic Life insurance policy at no cost to you, offering financial protection for your loved ones in the event of your passing.

This benefit includes a set coverage amount to help with essential expenses. It is provided to all employees at no cost.

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Partners and OC Coverage Amounts

Equity Partners: 1x annual salary + $200,000 | Contract Partners: $300,000 | Of Counsel: $250,000

All Other Employees Coverage Amount

Executive Chiefs: $250,000 | Associates & Other Chiefs: $200,000 | Paralegals & Exempt Staff: $125,000 | All Other Staff: $50,000

Important Documents
Basic Life Policy
Company-Provided Long-Term Disability

Long-Term Disability coverage provides income replacement if you face a prolonged illness or injury that prevents you from working.

This coverage ensures financial security for extended absences.

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Eligibility

All eligible employees are automatically enrolled on 1st of the month coinciding with or following hire date and working 30 hours per week. This benefit is provided at no cost to you.

Coverage Amounts

60% of monthly earnings up to $20,000 for Partners, $14,000 for All Other Employees, and $12,000 for Of Counsel

Important Documents
Class 1 Certificate (Partners)Class 2 Certificate (All Other Employees)Class 3 Certificate (Of Counsel)

Voluntary Benefits

Voluntary benefits provide extra layers of support, allowing you to customize your coverage to fit your unique needs. These options give you the flexibility to enhance your overall benefits package on your terms.
Accident Plan

Accident Insurance helps cover unexpected expenses from injuries like medical costs, transportation, and recovery needs. It provides financial relief when accidents disrupt your life, allowing you to focus on recovery.

This coverage ensures you're prepared for the unexpected with an extra layer of support.

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Important Documents
Benefit Summary
NEW! Voluntary Short-Term Disability

Protect your income with coverage that provides financial support if you're unable to work due to illness or injury.

This benefit helps cover daily expenses, so you can focus on recovery without worrying about lost earnings. It offers peace of mind by ensuring stability during challenging times.

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Coverage

Covers 80% of your weekly income up to a maximum of $3,500 per week

Benefit Duration

The maximum number of weeks you can receive benefits while you’re disabled. You have a 25 week benefit duration.

Important Documents
Benefit Summary with Rates
Critical Illness Plan

Critical Illness (CI) insurance provides a lump-sum, tax-free payment upon diagnosis of a covered serious illness, such as cancer, heart attack, or stroke.

This financial support can be used at your discretion, helping to alleviate the financial burden during recovery.

Click the "+" sign and then the "web" sign below to register as a new member for this benefit.

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Important Documents
Benefit Summary
Hospital Indemnity

Hospital Indemnity coverage provides cash benefits for hospital stays to help with out-of-pocket costs like deductibles and copays.

It’s designed to give you extra financial support when you need it most. With this plan, you can focus on recovery, knowing unexpected expenses are covered.

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Important Documents
Benefit Summary
Employee Assistance Program (EAP)

The Employee Assistance Program (EAP) provides free, confidential support for personal and professional challenges.

It offers resources like counseling, financial and legal advice, and work-life balance tools to help you navigate life’s demands. This benefit ensures you and your family have access to the support you need, when you need it most.

Click the "+" sign and then the "web" sign below to register as a new member for this benefit.

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Login Username

LFGSupport

Login Password

LFGSupport1

Important Documents
EAP Brochure
Voluntary Life and AD&D

Ensure financial security for your loved ones with coverage that provides a benefit in case of death or accidental injury.

This plan helps protect your family's future by offering additional peace of mind beyond your basic coverage. With flexible options, you can tailor the support to fit your unique needs.

Click the "+" sign and then the "web" sign below to register as a new member for this benefit.

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Coverage Maximums

Employee: $500,000 (up to 5x annual earnings) | Spouse/DP: $500,000 (up to 100% of employee amount) | Child(ren): $10,000 (up to 50% of employee amount)

Important Documents
Voluntary Life Class 1 CertificateVoluntary Life Class 2 CertificateVoluntary Life Class 3 CertificateVoluntary Life Class 4 CertificateVoluntary Life Evidence of Insurability Form
Pet Insurance (Nationwide)

Members need to visit Nationwide Pet Insurance link to get a quote: http://benefits.petinsurance.com/jmbm

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Benefit Details

Option to choose from different levels of reimbursements for your Dog’s and Cat’s

Deductibles and Maximums

$250 annual deductible | $7,500 maximum benefit

Important Documents
Pet Insurance

Fetch the best health coverage for your pet this open enrollment. With two budget friendly options, there’s never been a better time to sign up for My Pet Protection., available only through your workplace benefits program.

Members should enroll at https://www.petbenefits.com/land/jmbm

Click the "+" sign and then the "web" sign below to register as a new member for this benefit.

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Benefit Details

Receive 25% discounts on all in house medical services | 24/7 telehealth for your pets | Receive a Pet Tag ID for lost pets

Using the Benefit

Must use In Network Veterinarians within the Pet Benefit Solutions Network

Important Documents

Medicare

Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as for some younger people with disabilities or specific conditions.

It offers coverage through different parts, including hospital stays (Part A), outpatient care (Part B), and prescription drugs (Part D). Additionally, Medicare Advantage plans (Part C) combine these benefits and may include extras like vision and dental coverage.
JMBM Medicare Notice

For more information on Medicare or to enroll, please contact:

Ted Porter, JMBM’s Medicare Consultant

Executive Vice President

CA License #0B07958

CA License #0L81076

3050 Citrus Circle, Suite #114

Walnut Creek, CA. 94598

925-934-1376 office

925-639-0709 mobile

tporter@sihis.com

You must make changes within 60 days of a Medicare/Medicaid event. You have the right to elect coverage during the plan year if you or your dependent's Medicaid/Children's Health Insurance Program (CHIP) coverage terminates due to discontinuation of eligibility under the program or if you become eligible for a Medicaid/CHIP premium assistance subsidy (if available in your state) providing you request enrollment within 60 days of the loss of
coverage or eligibility for premium subsidy.

Compliance Section

Your hub for compliance information, forms, and contacts you may not have found elsewhere.
Compliance

Medicare Part D Notices

Medicare Part D Notice
Compliance

Compliance Notices

Compliance & Surprise Billing Notice