Introduction: These are questions generally asked by employers. Look at the questions in the Blue Bar. To see the answer, "Click" the Blue Bar. If you have a question that is not answered here on in another FAQ, Click the "Contact CHC" Hug at the bottom of this page.
v Other Options: To see other FAQs or to Learn More, use the Drop-Down menu options at the top of this page.
v For a Quote or Proposal: Select that option from the Drop-Down Menu.
v To See Testimonials: Choose "See Testimonials" from the Drop-Down list.
Answer: Yes. With CHC it does not matter the type of relationship you have with your workers. All can become CHC Members and get an affordable healthcare plan.
Enrollment is open to; Employees and their family members including Pets, 1099s, part-timers and volunteers. Together we refer to all persons affiliated with your company as your "Staff".
Answer: Yes. In fact, they can even include their pets on their personal CHC Healthcare Plan! With CHC, there are no age or relationship requirements. If they want any person to be on your CHC Healthcare Plan, they simply add that person. It's that easy. In addition, adding family members to a CHC Plan is far less expensive than adding family members to an ACA or Group plan.
Answer: Yes! Give all 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.
Answer: Yes. Unlike an ACA or Group plan, which is "one-size-fits-all", a CHC Plan is personalized by each Staff member. ACA and Group plans don't allow for personalization.
v Choices: A CHC Healthcare Plan lets each individual Staff member chose their Benefits and Coverages to meet their needs and budget.
v Meeting Needs: 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!
Answer: Yes. There are no "In-Network" or "Out of Network" limitations. Even "Holistic" and non-traditional Medical Providers can be used.
Answer: No. A CHC Plan is about 50% less expensive than Group plans. This lower cost makes the CHC Healthcare Plan more affordable and reduces the need to pay a subsidy.
Answer: The CHC Healthcare Plan is not a federal qualified plan that allows setting-up a traditional HSA with a bank. However, we can do one better.
Your Staff can get a Community Health Savings Account (CHSA) that has fewer restrictions, no deposit cap or medical limitations as with a traditional, federal HSA. Also, CHC Pays 5% interest on the Staff member's CHSA Account Balances.
Answer: Yes. CHC can be used for doctor visits, dental and vision, and many other medical services not covered by your "Group" plan. The most important reason for adding CHC to a Group plan is to lower your Staff's deductible and out-of-pocket costs.
v Example: If your ACA or Group plan has an $8,000 Max Out-of-Pocket cost, your Staff person would want to purchase a CHC Healthcare Plan with a $8,000 Benefit and a $1,000 Co-Pay Max.
Here's why. When your Staff member has a Medical Event, CHC would advance up to $8,000 to pay their ACA or Group plan's Deductible and Co-Insurance Out-of-Pocket costs. Your Staff member would only pay $1,000. With an ACA or Group plan your Staff member's cost could be $8,000. With CHC their cost could be only $1,000.
v Questions to Consider: How many of your Staff can afford to pay $8,000? Likely, not many, if any. Then, why are you offering a healthcare plan that the majority of your Staff can't afford to use?
Please give these two questions careful consideration!
CHC could save each Staff member from having a major financial crisis!
Answer: No. CHC is completely portable. There is also no need for COBRA and no lapse in coverage. Your Staff person would lose any subsidy you may provide, but not their CHC Healthcare Plan.
Answer: Two methods.
v Preferred Method: Have the CHC Healthcare Plan cost paid by your Staff member using a credit or debit card. Any subsidy could be added to the person's paycheck.
v Company Paid: The company pays CHC using a Group List-Bill and deducts the amount from the person's payroll.
Answer: No. Any Staff member can "Opt-In" or "Opt-Out" at any time.
Answer: Anywhere in the United States. World-wide coverage is available as an option.
Answer: CHC does not incur the costs or legal requirements insurance companies incur. Not to mention the staffing, expensive salaries and profits of insurance companies.
ü Your Healthcare Plan is about 50% less expensive than any ACA or Group plan
ü You can Include any person, regardless of age, even pets
ü Your Medical Services cost less because of CHC Medical Provider discounts
ü All Medical Services are available: dental, vision, hearing, holistic, and more.
ü Your Prescription Medications are Reimbursed 100%, No Co-Pays
ü You can receive Healthy and Family Discounts
ü You can receive qualifying low-income subsidies
ü Deductible and Co-Insurance Costs are eliminated
ü Your Out-of-Pocket Financial Risk is reduced because you select your Co-Pays
ü Medical Provider “Network” Requirements are eliminated
ü You can use any Medical Provider
ü You receive a Community Healthcare Savings Account (CHSA)
ü CHC matches your CHSA contributions dollar-for-dollar + Pays 5% interest
ü You receive the CHC Concierge Service for billing reviews and healthcare advice
ü You can have Loss of Income protection for CHC, ACA and Group insurance 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 CHC Healthcare Plan can be fully paid by CHC; Free Healthcare
ü A Dedicated Team that stands with you as your healthcare Advocate
ü You 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 and a typical Group Insurance plan.
The CHC prices include popular coverages such as wellness visits, test and vaccines. Each column under the plan shows the Coverages and Benefits. Each CHC plan can be further personalized to meet the needs of each Affiliate's needs and budget.
Answer: You have several options.
Request a Quote: To receive a healthcare Quote, Click the "Request a Quote" HUG. The RFQ Form will appear. Time to complete, less than 5 minutes. Then send the Form to us. We'll be back to you within 24 hours.
Design Your Own Healthcare Plan: Go to "Quotes & Proposals" and select "For Employers". A Design Form will appear. Follow the directions, make your selections. Then send the Form to us. We'll be back to you within 24 hours with our comments and suggestions. Then you can finalize your plan. Approval time is about 24 hours. Implementation can begin in about two weeks.
Learn More: We suggest you review some of the other FAQs. Particularly, the FAQs about the Community Healthcare Cooperative and the FAQs about CHC and Other Healthcare Plans.
Have Questions: Click the "Contact CHC" HUG.