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August 24, 2019

JHJ Magazine Benefits FAQ’s

What are the two levels of benefits available to JHJ Magazine Subscribers?  There are two levels of membership available to subscribers in the JHJ Magazine community.  Gold level memberships are available at $49.95 per year, and Diamond level membership are available at $159 per year.

What are the benefits that JHJ Gold subscriber members receive?  Gold members receive a 1-year magazine subscription, access to general website content, including the JHJ image library & JHJ vendor directory which will be launched in July of 2019,  access to the AAA membership discounts and the newly launched JHJ book club savings benefits.

Are JHJ Gold subscriber members eligible to participate in the JHJ Magazine subscribers health care insurance options study?  No.  Enhanced benefits, such as the opportunity to participate in the health care insurance options study are only available to JHJ Diamond subscriber members.

What are the benefits that JHJ Diamond subscriber members receive? JHJ Diamond Members receive a 1-year magazine subscription, access to general and premium website content, including the JHJ image library & JHJ vendor directory which will be launched in July of 2019, access to the AAA membership discounts and the newly launched JHJ book club savings benefits. In addition Diamond members also receive access for all family members to Blue Cross Blue Shield Health Plan benefits, access to the AAA Annuities program, access to discounted rates on vision care plans, and access to discounted life insurance policies from the Prudential Life Insurance company. We expect all of the Diamond member benefits programs listed above will be fully available in the 3rd quarter of 2019.

What level of subscriber membership do I need to have in order to maximize my benefits?  The JHJ Diamond Membership is the plan that offers subscribers the best opportunity to maximize their membership benefits.

Do I have to own a retail jewelry store to participate?  No.  We are designing a plane to provide access to affordable health insurance plans for every segment of the jewelry industry including retail, wholesale, sales representatives and service support vendors, watchmakers, bench jewelers, consultants, pawnshop owners, jewelry designers and specialty shops

What is the health care study and why is it beneficial for me to participate? The JHJ Health Care Benefit Plan Options Study is the initial step towards setting up a JHJ Magazine group health care plan.  We need to qualify the total number of people who are looking for coverage, and then understand why type of coverage options to make available for them.  Without your participation, we will never get this plan off the ground.  If receiving quality health care at an affordable group rate (generally 20 – 40% less than small group plans), signing up to be part of this first step toward creating a plan for JHJ Magazine group health coverage is the key!

What company are the health care benefits being coordinated through? There are several national health care insurance providers who are interested in bidding on our benefits plan.  The company that comes back with the best overall offering for the lowest rates is the company that we will end up partnering with.

I thought there weren’t any health care association plans available yet in the United States.   What legislative changes have taken place lately that allow for this to be possible?   After more than a year of working towards an opportunity to provide health care insurance options for the JHJ Community, our JHJ Magazine team has finally been able to achieve some movement.  Our program, which models one currently active and available to a group of churches based throughout the United States, is designed to offer quality health care insurance, with a choice of plan benefits and lower premiums for everyone in the jewelry industry.

JHJ Magazine has partnered with Blue Cross Blue Shield Independent Agent Jonathan Johnson made the process smoother.

Johnson, an Independent Blue Cross Blue Shield Agent licensed in Louisiana as well as Texas, Mississippi, Tennessee, Georgia and Florida  explained the changes by saying, “As you may be aware, some parts of the Association plans are in the very beginning stages of development.  However, with the assistance of a Third-Party Administrator and utilizing the current Federal ERISA laws already on the books (as they pertain to group health/across state lines/legal formation of groups for health insurance/significantly lower rates for members based on the self-funded nature of claims), we feel very confident that this is a model that will be able to be duplicated for the JHJ Magazine Community.”

Are there any other groups or associations set up in the United States to date that are offering health care under a similar plan?  Yes, currently there are a few other groups that have implemented a similar plan.  The plan we are looking to emulate models one currently active and available to a group of churches based throughout the United States.

Who collects the information for the study?  The health care portal is owned and operated by a third party health insurance agency.  Any personally-identifiable information you share will be used only to provide the product, service or information you have requested, such as a quote from one of the Blue companies, or to support the programs for which you registered.

Will any of the information I provide affect my current health care plan status?  No.  The information you share will only be used to provide the product, service or information you have requested, such as information about a JHJ Magazine Community health care based plan, or any other products or programs you may indicate interest in.

Is the health care plan being proposed under the JHJ health care options study portable?  Yes.  If you register for the health care plan as an individual, it belongs to you.  If you register your family for the health care plan, it becomes your family health care plan.  This plan is not tied to any company or business.  It belongs solely to the person or persons who purchase it.

Will pre-existing conditions be covered under this plan?  Yes.  The plan will cover pre-existing conditions, beginning at the time of coverage.

Is automatic acceptance guaranteed?  Yes. If you enroll in the health care plan offered under the JHJ Magazine Community when benefits become available, you are guaranteed acceptance.

What level of savings are anticipated to be offered on average under the options within this plan, as compared to a small group, or individual plan?  We are anticipating anywhere between 20% and 40% in savings as compared to small group plans that are currently available.  The savings could be substantially more compared to individual plans.