Merchants Benefit Administration Inc. (MBA) is a Third Party Administrator authorized by the Merchants Industry Fund Group Insurance Trust to administer, market and distribute products covered under their Trust Agreement. Currently, the Trust Agreement offers a Group Retiree Medical plan called Seniors Choice. MBA opened its doors in 1997 to handle the daily administration duties for the Trust.

MBA defines both an administration and a marketing model. The administration model provides traditional TPA services such as customer service, enrollment, premium billing and remittance processing in addition to Agent Services including commission processing. MBA partners with carriers for underwriting and claims administration. The marketing model is based on an independent agent network whose major building block is the General Agent. Additionally, emphasis is placed on special distribution channels such as National Marketing Organizations and consulting companies. At its simplest, MBA creates products that meet current and future marketplace demands and provides marketing support to brand the product and create market awareness within the marketplace and distribution channels. The distribution channels produce the contracts.

Distribution

Seniors Choice is filed as a Group Retiree Medical Plan and sold to qualifying groups through the agent network. Seniors Choice is distributed and sold through Managing General Agents, General Agents, Personal Producing General Agents and Agents. All Managing General Agents provide the necessary tools and training to their General Agents, Personal Producing General Agents and Agents to effectively market and sell Seniors Choice. All General Agents provide the necessary tools and training to their Personal Producing General Agents and Agents, to effectively market and sell Seniors Choice. This distribution model allows for much broader access to the prospective audience and provides the capability to quickly communicate opportunities.

Commitment

MBA partnered with Guaranteed Trust Life (GTL) to bring the highest standard and quality to our Group Retiree Medical members. MBA is confident that GTL fulfills this role as a true insurer of Group Retiree Medical Benefits, through their commitment and dedication as a professional organization.