Introduction: The Home Page introduced you to how CHC can benefit you and your Company. This page presents more details. In specific, we are offering you two Proposals. One, to help people and companies that interact with your company. Two, to help your Staff have an affordable Healthcare Plan.
Financial Reimbursement Proposal: Offer the CHC Healthcare plan to your clients. Then, have CHC pay your expenses.
Your first reaction may be "Why?" We have some novel thoughts for you. Please read on.
Healthcare Quote: Offer the CHC Healthcare plan to your staff as your main healthcare plan or as an optional choice with your current "Group" plan. You can include volunteers and other non-employees.
To Receive Your Financial Reimbursement Proposal: Click the "Request a Proposal" HUG at the bottom of this page.
To Receive a Healthcare Quote: Click the "Request a Quote" HUG or use the Drop-Down Menu "Quotes & Proposals".
To Learn More: Click a Blue Bar. If you still have questions, go to the FAQs.
To Contact Us or to Ask Us to Contact You: Click a "Contact" HUG at the bottom of this page.
Proposal 1: We are proposing you offer the CHC Membership and Healthcare Plan along with your other products and services.
The Why: To save your clients money by reducing their current Healthcare Plan's cost.
The Benefits to You: The money you save them makes you and your Company more attractive and lowers their cost to purchase your other products and services.
The Rationale: Virtually every company either has a healthcare plan or wants one. If they have a healthcare plan, it is likely a "Group" plan that is expensive and most of their employees don't purchase it.
If they don't have a healthcare plan, and you show them how they can get one that is affordable, they are indebted to you. This makes them more likely to purchase your product or service.
Your "Talking Point": You could say, "Because of the money I can save you, you might use some of that money to purchase our (product or service)".
Your ARP Reimbursement: We will reimburse you 10% of the monthly CHC Membership & Healthcare Plan amount paid by the client you Sponsor. Your Reimbursement will continue month-after-month, year-after-year as long as you and your client remain affiliated with CHC. Sponsor several clients and you could receive "Free" healthcare for your company.
An additional Benefit: E ven if your client/prospect doesn't purchase your product or service, you still receive your Reimbursement if they join CHC and purchase a CHC Healthcare Plan. And, you have left them feeling good that you are interested in helping them.
You have two Options: You are paid a Reimbursement for each of your clients you sponsor and who join CHC. The amount of your Reimbursement is based on the type of services you perform. You Have Two Options:
Option 1 - Referral: Simply introduce CHC to your clients. For those clients who have health insurance, ask them if they would like to have a “free”, no obligation review of their healthcare insurance plan.
For those clients who do not have insurance, ask them if they would be interested in having healthcare insurance that is affordable.
Collect some basic information and forward to CHC. We will follow-up with a CHC Healthcare Affordability Review for each client who answers “Yes”. Your Reimbursement amount will be shown in your Proposal.
Option 2 - Counseling: Have a staff person, or the salesperson, perform the CHC Healthcare Affordability Review (the Quote). This would normally be done at the time the salesperson meets with their client. The time to do a Quote is about 5 minutes or less.
Next, the salesperson would review the results with their client. The review process takes on average about 10 minutes. Then, if the client wants to join CHC and purchase a CHC Healthcare Plan, the salesperson would help the client complete a short application and forward to CHC for processing. This takes about 10 minutes.
Your Counseling Reimbursement is an Annuity-Style payment. This means your Reimbursement will continue month-after-month, year-after-year as long as your client remains a CHC Member and you remain affiliated with CHC.
Recommendation: This Counseling Reimbursement option has the greatest Reimbursement amount and is the longest paying. The Annuity Reimbursement is much better than the one-time, Referral Reimbursement.
With either Option it will be another great service offered by your Company for the benefit of your clients.
Action: Request a Proposal. When you receive a proposal from us, you'll see that the CHC Financial Reimbursement Program can produce significant income for your Company and your sales staff. And can be used to get a "Free" Company CHC Healthcare Plan.
To Start: We're going to use some financial terms.
Transactional Income is what you receive when you sell a product or a service. You get paid once per transaction.
Annuity Income is when you receive income without doing anything. Of course, you must do something once. But after that one event, you would receive continuing income.
Annuity Income is much better than Transactional Income. Especially if you want to build a business, take time off, enjoy life and family, and not have your income suffer!
A Financial Model to Consider: In the financial world, your Clients would be classified as “Non-Performing Assets”. Because you only receive compensation when you perform a billable product or service.
Only when you bill and get paid are your Clients classified a “Performing Asset”.
Annuity Income turns you Clients into full-time "Performing Assets. Even if you never sell them another product or service.
The Model - Consider an airline. Until the airplane flies with paying customers, the plane is a cost, a Non-Performing Asset. Every empty seat is loss income. When the plane flies with paying customers, the plane is a revenue producer, a “Performing Asset”. More paying customers, more income. The same applies to your Association.
Moving Forward: Currently, your Clients are primarily Non-Performing Assets. Your current and previous Clients offer you the opportunity to receive significant, Annuity income.
The CHC Financial Subsidy Program turns your Clients into full time, Performing Assets. The more Clients who join CHC, the more Financial Reimbursements you receive.
Proposal 2: We are proposing that you offer the CHC Healthcare Plan as your main healthcare plan or along with your current healthcare plan. Let your Staff decide which plan they want.
v We can significantly lower your plan's monthly cost
v We can significantly lower your Staff's Out-of-Pocket costs
v CHC is for all full-time, part-time, 1099, and even volunteers: your "Staff"
v No Need to "Subsidize". Your cost is more affordable for you and your Staff
v Your Staff can select the Coverages and Benefits they want
v Prescription Medications reimbursed 100% with no Deductibles
v Your Staff can use any Medical Provider: No Network requirement
v Your Staff can use any Medical Service: Traditional, Non-Traditional & Holistic
v Your Staff can receive Discounts and Subsidies
v Your Staff can receive a "Free" CHC Healthcare Plan
Give your Staff another, more affordable healthcare plan option. Let them decide which healthcare plan they want.
In addition, your Company's Healthcare Plan becomes more valuable, and you will have more Staff Opting-In to your Company's Healthcare Plan.
Each Staff person can personalize their CHC Healthcare Plan: Unlike an ACA or Group plan, which is "one-size-fits-all", a CHC Plan is personalized by and for each Staff.
An 18 year-old, single person, has far different healthcare requirements than a 50 year-old with a family of 4.
These differences should be recognized by every healthcare plan. ACA and Group plans don't, CHC does!
The Financial Risk: With an ACA or Group plan, your Staff's financial risk is the in ability to pay the plan's Out-of-Pocket cost. Most of these plans have an annual Out-of-Pocket cost of $8,000 or more.
Think about this, how many of your Staff can afford to pay $8,000 when they need to use their insurance? We suppose, not many.
With CHC your Staff's Out-of-Pocket cost can be limited to only $1,000.Here's a few questions to consider:
ü Why are you offering a healthcare plan that the majority of your Staff can't afford to use?
ü If you have a Group plan, why is your Staff Participation rate so low? Cost is the usual reason!
No "In-Network" or "Out of Network" limitations: Your Staff can use any Medical Provider and any Medical Service they choose. Even "Holistic" and Non-traditional Medical Providers can be used.
Primary Care Physicians: We prefer PCPs for wellness, routine Medical Services.
Urgent Care Facilities: Use an Urgent Care facility for all non-routine Medical Services.
Hospitals and Stand-Alone ERs: Only use a hospital and ER for life-threatening situations. ER prices are 8 times or more higher than an Urgent Care.
Offer More Healthcare Options: Many Group plan's do not include important Coverages. Dental, Vision, Hearing usually must be purchased separately. Holistic and other types of wellness and medical treatments are not covered or even available.
All Medical Services can be included with a CHC Healthcare plan.
Use CHC to lower or eliminate your Staff's Out-of-Pocket costs: For example, if your ACA or Group plan has a $8,000 Max Out-of-Pocket cost, your Staff would want to purchase a CHC Healthcare Plan with a $1,000 Co-Pay Max and an $8,000 Medical Services Benefit.
When your Staff has a Medical Event, CHC would advance $8,000 to pay their ACA or Group plan's Deductible and Co-Insurance Out-of-Pocket costs. Your Staff would only pay CHC's $1,000 Co-Pay. CHC could save all your Staff from having a major financial crisis!
To Help Your Clients: The more your clients see you and your Company helping them, the more likely they will purchase your product or service.
Your Client's Headache: Traditional healthcare insurance has become completely unaffordable for everyone, including your clients. Consider that most employers that have a healthcare plan are subsidizing their employees' monthly cost.
Reports show that fewer companies offer a health plan. Yet, their employees believe and want their employer to offer an affordable healthcare plan.
You and your sales staff can help all companies get an affordable healthcare plan.
We can provide your clients with an affordable Healthcare Plan that will save them up to 50% on their monthly cost. More importantly, savings of up to 80% on their deductible and co-insurance costs. CHC also provides financial assistance, low-income subsidies, healthy and family discounts.
Take Care of Your Staff: Obviously, you should start by offering your Staff an affordable healthcare plan. Your Staff is like everyone else. Each needs an affordable healthcare plan that can be tailored to their needs and budget.
Helping Your Community: Many of the people in your Community cannot afford traditional healthcare insurance. Your Company can be a Community leader helping all Community residents get an affordable healthcare plan.
Let us do a Proposal for you and a Quote for your Staff to see how beneficial CHC can be for you and them.
Auto Dealerships: How People Buy Cars - How Dealerships Sell Cars
How People Buy Cars: They locate a reputable dealer. They go to the dealership. They probably look at some cars and the pricing before going inside to talk with a salesperson. Once inside, they'll be shown options. This is the fun part. They are choosing what they want. They are "building" their car.
Now it gets down to the business of buying the car. This is not fun. The salesperson and the sales manager are back and forth until finally everyone agrees on the price. But for the dealership, the process is not finished.
How Dealerships Sell Cars: Long ago car dealerships learned that just selling cars was not enough. They began offering insurance and financing, which allowed them to sell more cars and significantly increase their dealership's income.
Dealerships created the Finance and Insurance (F&I) person. After the "Sale was Made" the F&I person takes care of the "paperwork" and creates another major income stream for the dealership. In many cases, the income is greater from F&I then from the sale of the car. In addition, the F&I creates an "Annuity-Style income for the dealership.
Just Like CHC is proposing for you and your Company.
How Your Company can use this Successful Model:
Clients Come to Your Company to purchase a product or service: What may not be obvious to you is most of your Clients have multiple issues. The cost of their healthcare is one of them. And this is not being addressed. Many may not even have insurance because of the cost. How about offering your Clients an affordable healthcare plan?
Medical Financial Aid: Like Car Dealerships, offer CHC to all your Clients. Offer to do an "Insurance Affordability Check". Run a CHC Quote. See how much money you can save your Client. Offer a complete Service; Your regular services plus affordable healthcare.
Summary: Provide additional services to help your Clients and receive Reimbursements from CHC. All your Clients need affordable healthcare. Your relationship with your Clients, and your position in the Community, are excellent for you to offer all persons in your Community an affordable CHC Healthcare Plan.
Action: Contact us to receive a proposal showing your potential Financial Reimbursement opportunity.
ü The CHC Plan is about 50% less expensive than any ACA or Group insurance plan
ü Offer CHC to any person: Full/Part-time, 1099s, even volunteers; the "Affiliates"
ü Your Affiliates can include any person on their CHC Plan, even their pets
ü Your Affiliate's Medical Services cost less with CHC Medical Provider discounts
ü All Medical Services are available: dental, vision, hearing, holistic, and more.
ü Your Affiliate's Prescription Medications are Reimbursed 100%, No Co-Pays
ü Your Affiliates can receive Healthy and Family Discounts
ü Your Affiliates can receive qualifying low-income subsidies
ü Deductible and Co-Insurance Costs are eliminated
ü Your Affiliate's Out-of-Pocket Financial Risk can be reduced to only $1,000
ü Your Affiliate's select their own Co-Pays
ü Medical Provider “Network” Requirements are eliminated
ü Your Affiliates can use any Medical Provider
ü Each Affiliate receives a Community Healthcare Savings Account (CHSA)
ü CHC matches each Affiliate's CHSA contributions dollar-for-dollar + Pays 5%
ü Each Affiliate receives the CHC Concierge Service for billing reviews and advice
ü Each Affiliate can have Loss of Income protection for CHC, ACA and Group plans
ü Covid Coverage is included
ü World-Wide coverage is available
ü Variable contract term from 1 month to 3 years
ü Price Lock guaranty up to 3 years for all Benefits and Coverages
ü Your Affiliate's CHC Plan can be fully paid by CHC; Free Healthcare
ü A Dedicated Team that stands with you and each Affiliate as their Advocate
ü You and all your Affiliates are part of a Community-Wide Healthcare Initiative of People Insuring People.
The following Table shows three different CHC Healthcare Plan's compared to a traditional ACA Insurance plan.
The CHC prices include popular coverages such as wellness visits, tests and vaccines. Each column under the plan shows the Coverages and Benefits. Each CHC plan can be further personalized to meet your needs and budget.
You Have Two Choices
Design Your Own Plan: By Clicking the "Design Your Own Plan" graphic, a form will appear. Simply choose the Coverages and Benefits you want in your Company Plan. Then you will see your CHC Healthcare Plan's price.
When you finish, send us the form. We'll review, maybe offer some suggestions. Upon your approval, we'll design your Implementation Plan.
Remember, each of your Affiliates will still be able to personalize their plan.
Request a Quote: Have us Design a Plan for and with you by Clicking the "Request a Quote" graphic. A form will appear. Answer a few questions. Send the form to us and we'll get back to you with a Quote. Then, with our help, you can make changes to fit your needs and budget.
With your acceptance, we'll immediately start implementing your CHC Program.
If you want us to contact you or have questions
Click one of the "Contact" HUGs at the bottom of this page.