Introduction: The Home Page introduced you to how CHC can benefit you and your Association. This page presents more details. In specific, we are offering you two Proposals. One, to help your members and receive a Financial Reimbursement from CHC. Two, to help your Staff have an affordable Healthcare Plan.
Financial Reimbursement Proposal: Offer the CHC Healthcare plan to your members. Then, have CHC pay your expenses.
Your first reaction may be "Why?" We have some novel thoughts for you. Please read on.
Affordable Healthcare Proposal: 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 the "Contact" HUG at the bottom of this page.
Your Purpose: Most Unions and Trade Associations are formed to provide services for its members. The Chamber of Commerce promotes business. The United Auto Workers is a union supporting workers.
Regardless of the type of Organization, two facts are clear. Affordable healthcare is a prime subject and raising money is an on-going activity.
We have a business model and proposal for you that meets both of these objectives.
Your Financial Reimbursement Proposal: We are proposing you offer the CHC Membership and Healthcare Plan along with your other Association's products and services. We will pay you a Financial Reimbursement for each Member and Member Company you sponsor who join CHC and purchase a CHC Healthcare Plan.
The Benefit to You: The money you save them makes your Association more valuable and lowers their cost to join and to use your other Association's 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 remain or join your Association.
Your "Talking Point": You could say, "Because of the money I can save you, you might use some of that money to join our Association".
Your ARP Reimbursement: We will reimburse you 10% of the monthly CHC Membership & Healthcare Plan amount paid by any Member or the Member Company you Sponsor. Your Reimbursement will continue month-after-month, year-after-year as long as you and your Member or Member Company remain affiliated with CHC. Sponsor several Members and Member Companies and you could receive "Free" healthcare for your company.
An additional Benefit: E ven if your prospect doesn't join your Association, 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. There's always another day!
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 Their Prescription Medications are 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
Proposal 2: You are paid a Reimbursement Compensation for each of your Members 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 prospects and Members. For those Members who have health insurance, ask them if they would like to have a “free”, no obligation review of their healthcare insurance plan.
For those Members 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 Member who answers “Yes”. Your Referral Reimbursement amount will be shown in your Proposal.
Option 2 - Counseling: Have a staff person, or your salesperson, perform the CHC Healthcare Affordability Review (the Quote). This would normally be done at the time the salesperson meets with their prospect or Member. The time to do a Quote is about 5 minutes or less.
Next, the salesperson would review the results with the prospect or Member. The review process takes on average about 10 minutes. Then, if the Member wants to join CHC and purchase a CHC Healthcare Plan, the salesperson would help the Member 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 Member remains a CHC Member and you remain with CHC.
Recommendation: The Counseling Reimbursement option has the greatest Reimbursement amount and is the longest paying. The "Annuity-Style" Counseling Reimbursement is much better than the one-time, Referral Compensation. With either Option it will be another great service offered by your Association for the benefit of your Members.
Action: Request a Proposal. When you receive a proposal from us, you'll see that the CHC Affiliate Compensation Program can produce significant income for your Association and your sales staff.
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.
Your Membership Dues: Your Membership dues are a form of Annuity Income you are currently receiving. As you may already recognize, 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, other than paying their dues, your Members would be classified as “Non-Performing Assets”. Because you only receive compensation when your Member purchases a product or service your Association offers. Only then would your Members be classified as a “Performing Asset”.
Annuity Income turns you Members into full-time "Performing Assets. Even if you never sell them another product or service and even if they leave your Association. CHC will continue to pay your Financial Reimbursement.
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 Members are primarily Non-Performing Assets. Your current and previous Members offer you the opportunity to receive significant, non-dues, non-sales Annuity income.
The CHC Financial Subsidy Program turns your Members into full time, Performing Assets. The more Members who join CHC, the more Financial Reimbursements you receive.
Association Relations: The more your Members see you and your Association helping them, the more likely they will remain a Member or join your Association.
Your Client's Headache: Traditional healthcare insurance has become completely unaffordable for everyone, including your Member Companies. 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 Members 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.
Obviously, you should start by offering your Staff and other Affiliates an affordable healthcare plan. Your Staff are 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 you Community cannot afford traditional healthcare insurance. Your Association 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.
Your Staff are just like all other people in your Community: They have families and the same healthcare needs. They have a budget.
Consider this, lowering their healthcare cost is just like giving them a raise. Even better because "their raise" doesn't cost you anything.
What About their Cost: First, consider their monthly cost. We can lower this cost by about 50% compared to any Group or ACA plan. This makes CHC the most affordable healthcare plan they can get,
Next, consider a Group plan's Out-of-Pocket cost. The average is over $7,000. With CHC, each Staff person can limit their Out-of-Pocket cost to only $1,000. An amount that is much more affordable.
What About your Cost: If you are offering your Staff a healthcare plan, we can reduce your cost. Even eliminate any subsidy you are now paying. Because the CHC is so affordable, and likely less than what they would normally have to pay, the need for a subsidy is significantly reduced.
If you are not offering a healthcare plan, now is the time!
Suggestion: Take a few minutes to read "Learn More - For Employers". Also, take a close look at the monthly and Out-of-Pocket cost shown in your current Group plan policy agreement. We think you'll be surprised at the costs!
Let us do a quote for your Staff to see how beneficial CHC can be for them and you.
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 Association.
How can your Association use this Successful Model
Members join Your Association because they want the benefits you can provide:
What you may not have considered is most of your prospects and members have multiple issues. The cost of their healthcare is one of them. And this is not being addressed. Many may not even have or offer insurance because of the cost. How about offering all your prospects and Members an affordable healthcare plan?
Medical Financial Aid: Like Car Dealerships, offer CHC to all your prospects and Members. Offer to do an "Insurance Affordability Check". Run a CHC Quote. See how much money you can save them. Offer a complete Service; Your regular Association offerings plus an affordable Healthcare Plan.
Summary: Provide additional services to help your Members and receive Financial Reimbursements from CHC. All your Members need affordable healthcare. Your business model is excellent to offer all persons in your Community to join your Association and get an affordable CHC Healthcare Plan.
Action: Contact us to receive a proposal showing your potential Financial Reimbursement opportunity.
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 Group 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 Association's 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 Staff 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.