Products – Virginia State Bar Members’ Insurance Center (VSBMIC)

Health Insurance

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

The popular VSB program protects nearly 6,000 lawyers, family members and staff. PPO, HMO and HSA options are available.

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

Dental and Vision Insurance

The VSBMIC can assist an individual or an entire firm with dental and vision 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.

Questions?

Please call the Plan Agent, Debbie Stocks, VSBMIC, at 804-565-3540 or email debbie.stocks@onedigital.com.

Member Term Life Insurance

The ones you care about most deserve the future of their dreams.

What would happen to your family’s future, if the unexpected happens to you? While we can’t predict the future, we can plan for it… and VSB Member Term Life Plan can help you do that. Coverage issued by The Prudential Company of America (Prudential), can help protect the life you worked so hard to build for those you love. Coverage is yours to keep even if you change jobs, as long as you remain an active member of the Virginia State Bar.

Apply online today for Member Term Life coverage to protect your family’s future they deserve.

Plan Features

Up to $1 million in coverage to help protect your loved ones’ future.
Group rates that help make coverage affordable.
Quick and convenient application, complete and return a request form or apply online.
Early access to benefits included at no additional cost. Receive up to 50% of your coverage amount, (up to $250,000) prior to your death if you’re diagnosed with a terminal illness and have a life expectancy of 12 months or less.
NEW! A max of $125,000 or up to 25% of the amount in force can be paid to the member-only if diagnosed as chronically ill and incapable of performing at least 2 Activities of Daily Living for at least 90 days or a severe cognitive impairment.

Family Coverage Available

Spouse Coverage: You may request coverage for your eligible spouse, up to $1,000,000 (cannot exceed member’s coverage amount).

Dependent Child Coverage: For $12 a year, you can insure your eligible dependent children. The cost is added to your premium. Eligible dependent children from live birth to age 26 can be insured for $10,000.

To apply for Spouse or Dependent Child coverage, complete and return the request form.

Group Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. CA COA #1179, NAIC #68241. Contract Series: 83500.

This site may contain marketing language on products issued by The Prudential Insurance Company of America that have not yet been approved in all states.

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Questions?

Please call the Plan Agent, Debbie Stocks, VSBMIC, at 804-565-3540 or email debbie.stocks@onedigital.com.

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.

Plan Features

Up to $10,000 of coverage per month available to help protect your income
Protect your loved ones and keep the lifestyle you’ve worked hard to create
Reliable and affordable coverage issued by Prudential

Questions?

Please call the Plan Agent, Debbie Stocks, VSBMIC, at 804-565-3540 or email debbie.stocks@onedigital.com.

Critical Illness

Critical Illness Insurance is now available as a valuable benefit of your VSB membership, and acceptance is guaranteed.

If you become seriously ill, Critical Illness Insurance may help pay for covered out-of-pocket medical and non-medical expenses to alleviate some of the financial strain so you can focus on what’s most important—your recovery.

Plan Features

Guaranteed acceptance with no medical exams or health questions
Fast access to a lump-sum benefit upon proof of diagnosis or treatment for a covered condition
Competitive group rates–with coverage available for your spouse/partner and dependent children
Benefit can be used for costs like deductibles, co-pays, over-the-counter medications, and home accommodations

Questions?

Please call the Plan Agent, Debbie Stocks, VSBMIC, at 804-565-3540 or email debbie.stocks@onedigital.com.

Accidental Death and Dismemberment (AD&D)

Help prepare for the unexpected. Members who are under the age of 65 may choose up to $500,000 of coverage to help protect your loved ones from the financial drain of accidental, death, and dismemberment. You can choose member only, member and spouse, member and child, or member and family coverage.

Plan Features

Guaranteed acceptance with no medical exams or health questions
Up to $500,000 in coverage available to help face unexpected challenges.
Coverage available for your spouse/domestic partner and dependent children to help protect the whole family.