State-Specific, Private-Independent School Group Health Care Consortiums

Take back control of your school’s health care costs

Rising costs, declining benefits, and new laws have forced many organizations to go to market each year or get creative with their benefit offerings.

The volatile landscape of health care also inspired ISM Insurance Advisers to look for creative solutions. We’ve created an approach to establishing state-specific Health Care Consortiums that is different from how most organizations are building group plans—you don’t have to be associated with ISM or a member of our organization to petition to join. And, each functioning Consortium is unique. These are not out-of-the-box templates designed by the carriers—each Consortium, is designed by a group of a private-independent school administrators.

Benefits of Group Health Consortiums:

  • Control cost and stabilize rates
  • Gain access to claims data
  • Monthly data for group on utilization
  • Direct access to management team and underwriter from carrier
  • Access an extensive local and national network of health care providers
  • Low annual average increase without plan changes
  • HSA and HRA options
  • Dedicated support team for client engagement
  • Work with an ISM Senior Field Advisor

Active State Group Health Care Consortiums:

Pennsylvania Independent School Insurance Consortium (PISIC)

Established 2007
Members Nine schools protecting 435 lives
Health Insurance Provider Aetna
Health Plans Five plans offered
Dental and Vision Options available
Petition Deadline March 1
Trustees’ Decision Deadline May 31
Open Enrollment July 1
Renewal Date September 1

Maryland Independent School Consortium (MISC)

Established 2013
Members 15 schools protecting 900 lives
Health Insurance Provider Aetna
Health Plans Seven plans offered
Dental and Vision Options available
Petition Deadline December 1
Trustees’ Decision Deadline March 1
Open Enrollment April 1
Renewal Date June 1

Lone Star Independent School Consortium (LSIC)

Established 2016
Members 10 schools protecting 500 lives
Health Insurance Provider Aetna
Health Plans Eight plans offered
Dental and Vision Options available
Petition Deadline April 1
Trustees’ Decision Deadline June 1
Open Enrollment October 1
Renewal Date January 1

Virginia Independent School Consortium (VISC)

Established 2014
Members 12 schools protecting 900 lives
Health Insurance Provider Aetna
Health Plans Seven plans offered in southern VA, 11 plans offered in northern VA
Dental and Vision Options available
Petition Deadline March 1
Trustees’ Decision Deadline April 1
Open Enrollment August 15
Renewal Date October 1

Ohio Health Care Consortium

Established 2017
Members 6 schools protecting 100 lives
Health Insurance Provider Aetna
Health Plans Nine plans offered
Dental and Vision Options available
Petition Deadline April 1
Trustees’ Decision Deadline June 1
Open Enrollment October 1
Renewal Date January 1

Virginia Independent School Consortium (VISC)

Established 2014
Members 12 schools protecting 900 lives
Health Insurance Provider Aetna
Health Plans Seven plans offered in southern VA, 11 plans offered in northern VA
Dental and Vision Options available
Petition Deadline March 1
Trustees’ Decision Deadline April 1
Open Enrollment August 15
Renewal Date October 1

Garden State (NJ) Non-Public School Consortium (GSNPSC)

Established 2017
Members 9 schools protecting 652 lives
Health Insurance Provider Aetna
Health Plans Eleven plans offered
Dental and Vision Options available
Petition Deadline February 1
Trustees’ Decision Deadline March 15
Open Enrollment May 1
Renewal Date July 1

Arizona Independent School Consortium (AISC)

Established 2017
Members 6 schools protecting 176 lives
Health Insurance Provider Aetna
Health Plans Eleven plans offered
Dental and Vision Options available
Petition Deadline June 30
Trustees’ Decision Deadline August 15
Open Enrollment October 1
Renewal Date January 1

Petitioning for Membership:

Each state has its own unique petitioning date and process. For more information on how to petition for membership, contact ISM’s Health Consortium Coordinator Alicia Clingan.

Group Health Consortium History

ISM’s first Group Health Care Consortium began in October 2007 when Administrators from several private schools around Pennsylvania began meeting with an ISM Insurance Advisor to address the serious issues surrounding health insurance. It was the mission of the group to develop a program designed to take control of their school’s single largest budget item after salaries—health insurance. Less than a year later, on September 1, 2008, The Pennsylvania Independent School Health Insurance Consortium began operating. Since 2007, ISM has worked with groups in several other states—Maryland, Virginia, Tennessee, Texas, and Florida—to create Health Care Consortiums.

Building a Group Health Consortium

Consortiums start with a series of meetings with interested schools and an ISM Insurance Advisor to develop the trust agreement. With a trust agreement drawn, ISM will then;

  • Reach out the various providers to determine interest
  • Have documentation reviewed by legal counsel at the insurance carrier as well as ISM counsel
  • Assist in the selection of plans
  • Negotiate aggressively the pricing and the features of the plans available

At inception, ISM will partner with schools to:

  • Assist with enrollment of medical, dental and vision as appropriate
  • Review the programs for integrity and complexity of benefits
  • Implement COBRA administration for all member schools
  • Set up and facilitate monthly communications/trustee meetings

Join us for lunch and learn more! Check our event calendar to see if there is a Lunch & Learn in your neighborhood.

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