Employees Love Our Healthcare Plans
Overview for Businesses
Amazing coverage, Amazing affordability, Amazing alternative. Business owner health insurance is expensive for the mid-size business employer and employees because healthcare premiums are skyrocketing more and more every year and deductibles are outrageous. We typically save businesses 20% - 40% compared to traditional insurance. How? Imagine: 0 deductibles / first dollar coverage, low monthly costs and a portion of the unused claims fund returned to employer at the end of the year which they can use to lower rates for all the following year. Although costs are lower, our plans have what you would expect in a robust, broad-ranging medical benefits program that uses the nation's largest private PPO network with thousands of primary hospitals and licensed board-certified physicians. Vision, Dental, Pharmacy are all included in the price. Your staff can purchase the amount of coverage that they believe best fits their needs and lifestyle. Also, as of 2020, our monthly rates haven't gone up in 3 years.
If you have been looking for Health Insurance Plans for Small or Medium-Sized Businesses that are affordable, you might find that the costs are usually outrageous. We have the midsize business healthcare alternative, we might be what you are looking for. More incredible features: no open enrollment constraints (sign up any time), no medical underwriting nor pre-existing condition exclusions on base plans and no waiting periods (with a few exclusions). The SB/A Freedom Protect Plans are a modern solution coordinated by the Small Business Agency Cooperative. Don't let that name confuse you- we work just as easily with midsize and large businesses- in fact, we are even more beneficial to larger businesses as they must provide benefit plans or face IRS tax penalties. Our plans are a partially self-funded, cost-share health care coverage program.
Regulated. Compliant. The SB/A Freedom Protect Plans are regulated and in compliance with Federal ERISA laws. They are compliant with the Affordable Care Act (ACA / Obamacare) and IRS rules. They are implemented on a contributory or non-contributory basis and fit easily into your 125 cafeteria plan to pay for certain benefits on a pre-tax basis. Re-insurance is purchased so if money goes above the claim fund the employer is not liable. If annual coverage needs are expected to exceed The SB/A Freedom Protect Plans’ annual limitations, employees should consider adding one of our catastrophic plans. Many find our Plan B, coupled with the ASH Catastrophic plan especially appealing- together it's still more affordable than traditional insurance. The SB/A Freedom Protect Plans provide a great solution for Employers to attract and retain valuable employees with a robust medical benefits program.
Do you have employees in multiple states? Our plans are available in all 50 states and U.S. territories. This is the perfect solution to simplify your health care plans. It eliminates the need to keep track of multiple state regulations and eliminates confusion and differing communications.
WE WORK WITH SMALL BUSINESSES, LARGE BUSINESSES - ANY BUSINESS OF 2 OR MORE
BUSINESS OWNER INFO:
EMPLOYEE / EMPLOYER MEMBER BENEFITS (not eligible 65 and older)
So come join us for a brief overview of The SB/A Freedom Protect Medium-sized Business Health Care Plans – the way you always wanted it to be!
If you have a business of 2 or more, click the buttons below to explore the plans.
Need Assistance with Enrolling a Group? Contact the SB/A CoOp at (303) 566-0353
(Reference DAC Agent: Shannon D. Smith, 101220379)
AFTER ENROLLMENT, YOU CAN USE THE BUTTONS BELOW
Brought to you by David Allen Capital (DAC)
How can a small or medium-sized business afford health care benefit plans for employees? This may be the best small or mid-size business health care alternative to insurance: Affordable, flexible, powerful.
Why is our website so simple? We believe in saving you money with fantastic benefit plans. Period. No flash. No hype. Just information. Our funds are spent wisely. We focus on better customer service.