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Insurance Trust

Created by physicians, for physicians and their employees

Helping physician owned practices provide employee benefits for over four decades!

The Medical Society Insurance Trust was established in Marion County nearly 40 years ago. Created by physician employers in the private practice of medicine as a way to provide comprehensive medical coverage to their employees and families.

Why should your organization join the
MCMS Insurance Trust?

Allows small groups access to large group benefits and rates

Large portfolio of plans with enhanced benefits to meet the needs of physicians and their employees
Opportunity for potential cost savings, increased choice and increased flexibility

Minimum Premium funding strategy helps reduce administrative costs


Employee Benefits Portfolio

Medical, dental/vision, life, disability, accident, critical illness, hospital indemnity.


Dedicated Service & Support

Dedicated to providing personalized, responsive service to each member, ensuring that their insurance needs are met with the utmost care and attention.


Stable Renewal Rates

Average statewide increase of 5% or less over the past 10 years.


Enrollment Education

Trained benefit advisors available to
answer questions and assist with


MCMS Trust Portal

Consolidated portal access for
adminstrators, employees, and
MCMS Trust billing.


Statewide Market Presence

Available in all 67 Florida counties for private physician practices.

Join The MCMS Insurance Trust

Our Services

Established in Marion County in 1981 by physician employers in the private practice of medicine, the MCMS, Inc. Insurance Trust provides organizations with comprehensive insurance coverage for employees and their families.

Medical Benefits

physician owner

Physician Owner Insurance

All plans are BlueOptions PPO network

Calendar Year Deductibles as
low as $1,000

1 copay plan & 2 HSA
compatible plans

Retiree / Survivorship Benefits Available after 10+ years enrolled in the Trust benefits

Doctor with patient

Employee Insurance

Large provider network available with
BlueOptions PPO & BlueCare HMO

Calendar Year Deductibles
as low as $750

5 copay plans & 1 HSA
compatible plan

Condition Care Rx on ALL plans

Ancillary Benefits

Dental work

Dental Insurance

Extensive provider network

2 plan options
(Up to $2,500 annual max benefit)

Orthodontia Benefit
(for children up to age 26)

No waiting periods
(including orthodontia)

Eye Doctor

Vision Insurance

National provider network
with VSP

Affordable co-pays

Expanded coverage limits

Annual exam, frames, and lenses
or contacts

Family Photo

Life Insurance

Employer Paid Life
– Physicians: $100,000 benefit
– Employees: $25,000 benefit
– Optional dependent life insurance

Additional Life
– Guarantee Issue – $150,000
– Dependent life available for spouse and children

Woman with broken leg

Disability Insurance

Long Term Disability
– Physicians: Up to $15,000 monthly benefit Own Occupation Sub Specialty Provision
– Employees: Up to $5,000 monthly benefit

Short Term Disability
– Physicians: Up to $2,500
weekly benefit
– Employees: Up to $1,000
weekly benefit

Worksite Benefits

Effective March 1, 2023, the MCMS, Inc. Insurance Trust is excited to announce that NEW Worksite Benefits are available to you and your employees!

workplace accident

Accident Insurance


Critical Illness Insurance

Hospital Recovery

Hospital Indemnity Insurance

Rates 10% to 20% less than comparable market plans
Benefits payable directly to members upon:
• occurance
• diagnosis of an injury
• diagnosis of covered disease/condition, or
• hospital admission
Includes benefits for wellness testing

MCMS, Inc. Logo

Request Proposal

“As a physician owned practice, keeping practice expenses manageable is a full time task.

The MCMS Insurance Trust (MCMST) is a great resource that has allowed our practice to offer health insurance as a benefit to all of our office staff members since the first day we started – 17 years ago!

Thank you MCMST!”

Dr. Gupta

Nirav Gupta, DO

Twin Palm Orthopedics

Dr. Farr

Derek Farr, DO

Twin Palm Orthopedics