Small Employer Group

Small Employer Group  


At a Glance

Exclusively for Members who are owners or principals in firms with 2– 50 employees

This is a brief overview of coverage—plan availability may vary depending upon the state. To receive more information and an instant quote, visit.

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Plan Details


Dental Insurance

The freedom you want to choose the dentists you trust!

  • Available as a separate plan if your firm has two or more employees OR can be added to the health insurance plan as an additional benefit with five or more employees
  • Benefits vary, but a typical plan offers a low $50 deductible, 100% preventive care, 75% basic care, and 50% major care benefits up to an annual maximum of $1,000 per covered person per calendar year

Comprehensive Medical Care Options

Your choice of three coverage types:


Innovative "Open Access" HMO

Lower premiums than traditional coverage...fewer restrictions than HMO's

  • No primary care physician required
  • Access to a large local network of participating providers
  • No referral needed to see a specialist
  • Lower out-of-pocket costs for in-network services
  • Includes prescription drugs, preventive care, well-baby care, worldwide emergency room care, and optional non-network benefits

Point of Service

  • Primary care physician required
  • A large network of participating providers
  • Low co-pays for in-network services
  • Out-of-network benefits included

PPO and Managed Indemnity (Nationwide network)

  • No primary care physician required
  • Benefits with a network provider: lower out-of-pocket expenses, no balance billing, no complicated claim forms to complete or track

Term Life Insurance with Accidental Death & Dismemberment

  • Available with or without health insurance to groups of two or more employees
  • Up to $100,000 of coverage per employee ($50,000 if included on health insurance plan)
  • Dependent coverage also available

Short-Term Disability

Help prepare for accidents and the unexpected!

  • Benefits paid on the first day of an accident or the 8th day of an illness, for benefit period options of 13 or 26 weeks, with a maximum weekly benefit of $750
  • Available without health insurance to groups with two or more employees (not available with health insurance plan)

Long-Term Disability

To help protect one of your most valuable assets-your income

  • Available to groups with 10 or more employees
  • Benefits paid at 60% of salary up to a maximum of $6,000 a month to age 65
  • Features an "Own Occupation" disability option

Plan availability may vary depending upon the state.

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.


Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
 M-F 6a-7p PT