Employee Association Health Care

What is an Employee Association?
Employees group together to secure affordable health insurance through the Consumer Benefit Association.

What are the values of these plans?
Many employees prefer to control their own health plans and products. This is a unique opportunity for employees to receive basic health care with different options at an affordable price. In many ways, it mirrors the consumer driven plans that are currently being developed but the association pool allows the individual employee to make the choices in designing their plans for their specific needs and they can control costs.

What are these choices?
Two plans are available that are fully insured by an insurance carrier:

Plan A – Physician or Clinic Services Only
Plan B – Physician or Clinic Services and Hospital Services

The maximum annual and lifetime benefits are the key to controlling costs for the employee and/or family. Should you desire a higher maximum annual or lifetime benefit, you then have the choice of adding major catastrophic plans to raise the annual/lifetime benefit of the basic plan.

What’s the Employer role?
The employer is permitted to pay the association fee.
Because it is a reasonable fee, employers are eager to assist their employees in this way. Association members (the employee) receive a $10,000 Term Life Insurance Policy plus access to other attractive discounted products.

For more information, click on the following link.

csba@pacbell.net