Health Insurance

New Partnership
Michigan Retailers Association has joined forces with the insurance subsidiary of Michigan Dental Association to provide our members with the highest level of knowledge and customer service on health benefits programs. We’re capitalizing on each membership organization’s strengths to deliver the best in expert, personalized service in the increasingly specialized and complicated health benefits arena.

We offer the full range of Blue Cross Blue Shield of Michigan health insurance options, including employer-sponsored group health plans, individual health plans, and Medicare-related coverage. You can choose from a variety of health plans and prescription copays.

With the complete Blue Cross menu available to you, MRA and MDA can tailor a health insurance plan to meet your specific needs and budget. For a no-obligation quote for a group health plan or individual plan, contact MRA at 800.366.3699 or

Small Employer Tax Credit
Employers who pay at least 50 percent of their employees’ single-person health care premiums may be eligible for a federal tax credit of up to 35 percent. The credit is available for tax years 2010 through 2013 and for any two years after that. Find out if your business is qualified for the tax credit by accessing this IRS calculator.

Federal Health Care Reform

The Patient Protection and Affordability Care Act was signed into law by President Obama on March 23, 2010. The companion bill, the Health Care and Education Reconciliation Act, was signed into law March 30, 2010. Together, these two laws constitute the new federal health care reform law. There is a high degree of uncertainty associated with the impact of reform legislation, as key regulatory guidance is still pending. Listed below are links to information explaining how Blue Cross Blue Shield of Michigan will be implementing the Patient Protection and Affordability Care Act. The information will help you understand the basics of its impact on health insurance groups. Navigating Health Care Reform (PDF: 836 KB)
Explaining "Grandfathered Status"

Explaining Dependent Coverage

Leave Behind Document for Group Customers (PDF: 283 KB)
Implementation Guidelines - Group Customers (PDF: 369 KB)
Implementation Guidelines - Individual Members
(PDF: 319 KB)
IRS Guidance on OTC Drug Reimbursements for FSA’s, HSA’s, and HRA’s

Frequently Ask Questions About Near-Term Benefit Changes
(PDF: 143 KB)
Q & A for Covering Dependents up to Age 26

Health Insurance

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Michigan Retailers Services, Inc. is a registered ISO/MSP of Synovus Bank, Columbus, Georgia