CHC is a “Must Have” for Unions & Trade Associations
Attn: Management & Board of Directors
We’d Like to Join Your Association
Our Introduction: To begin, please read the “Table of Contents” that follows the Action Buttons.
You can Click these “Action Buttons“ to contact us or make a request.
Thanks for Your Continued Interest
Table of Contents
Section 1 – “Why CHC is a Must Have for Your Association”
Section 2 – “Why CHC is a Must Have for Your Staff”
Section 3 – Learn More – See Sample Pricing; Learn About CHC and a Business Model You should Adopt; Plus More!
Thanks for Your Continued Interest!
Why CHC is a “Must Have” for Your Association
Your Mission: Most Unions and Trade Associations are formed to provide services to their individual Members and Member Companies. In turn, to the staff of the Member Companies.
The lifeblood of any Association is the ability to offer programs, services and products that appeal to their Members. We are offering you a Member Services program that can save your Members money and lower their medical and healthcare costs.
In addition, we are offering you a significant, funding Subsidy program worth thousands of dollars.
To Learn More, Navigate our site!
✓ To Learn About the CHC Healthcare Plan:
Read Below: “Why CHC is a “Must Have” for Your Staff”
Go To CHC Plans: “Singles & Families”
Go To CHC Plans: “Employers”
Go to FAQs
✓ To Learn About Your Affiliation Subsidy Program: Read below – “Learn More”
Thanks for Your Continued Interest
The most sought-after employer benefit is affordable healthcare.
The Issue: Traditional Group healthcare insurance is completely unaffordable for you and your Staff. Yet, employees believe and want their employer to offer an affordable healthcare plan.
Employers are all looking for an alternative to expensive Group insurance. Your Staff are looking for ways save money and to lower their healthcare medical costs.
The Solution: Offer all your Staff an affordable CHC Healthcare Plan. The CHC Healthcare Plan is 50% or more less expensive than any Group Plan. So much so there is no need for you to subsidize the monthly cost.
Give your Staff financial help that saves them money and lowers their medical and healthcare costs and you’ll have a satisfied Staff who will want to stay with you.
The more your Staff seeing you helping them, the more likely they will remain with your company.
For the first time you can use an employee benefit program to recruit new Staff Members without it costing you anything.
Take Look …..
✓ Any Staff Member can purchase a CHC Healthcare Plan. Part-timers, 1099s, volunteers and affiliates. If you want them on your CHC Plan, they can be included!
✓ Your Staff can easily add family members, even their pets. To add is affordable. Not so with a Group insurance plan.
✓ CHC Healthcare plans are 50% less expensive than any Group insurance plan. No need to subsidize!
✓ There are no Deductibles or Co-insurance costs. Just a single, affordable Co-Pay.
✓ Out-of-Pocket costs are limited to only $1,000 per medical claim. Not an $8,000 Annual Out-of-Pocket Cost like most Group plans.
Start Offering a New and Great Employee Benefits Program Today!
Introduction: Your Affiliation Subsidy is a cash payment sent to you from CHC. Depending on the Option you select, your cash payments could be several thousands of dollars and last for multiple years.
Your Annuity Subsidy is being paid to reimburse you for your efforts associated with offering CHC to your Members.
You receive an Annuity Subsidy for each Member you sponsor and who joins CHC. The amount of your Subsidy is based on the type of services you perform.
Explanation: First, we’re going to use some financial terms. Then give you some examples. You’ll see how the Affiliation Subsidy relates to your Association and to your CHC Affiliation Subsidy.
Types of Income:
Transactional Income is when a business receives payment when they sell a product or a service. With Transactional Income the business gets paid once per transaction. For example, a real estate broker’s commission is a form of Transactional Income.
For purposes of your Proposal, we’ll call this your “Transactional Subsidy”.
Annuity Income is when a business receives on-going income from a sale, usually without doing any additional activities. A monthly Membership Fee is a form of Annuity Income.
For purposes of your Proposal, we’ll call this your “Annuity Subsidy”.
Your Affiliation Subsidy has Two Options:
✓ Option 1 – Transactional Subsidy: Simply introduce CHC to your Members and staff. For those who have health insurance, ask them if they would like to have a “free”, no obligation review of their healthcare insurance plan.
For those who do not have insurance, ask them if they would be interested in having an affordable healthcare plan.
Collect some basic information and forward to CHC. We will follow-up with each Member with a no cost CHC Healthcare Affordability Review.
CHC will pay you a $100 Transactional Subsidy for each Member you assist to purchase a CHC Healthcare Plan.
✓ Option 2 – Annuity Subsidy: With this Option, your staff person counsels your Members, does their Quote and takes their application to purchase their CHC Healthcare Plan. If you prefer, a CHC Staff Person will be assigned to your Association to perform these functions.
CHC Annuity Subsidy Example: Let’s take a typical 30 year old who has purchased a CHC Healthcare Plan. The monthly price is about $230. The monthly Annuity Subsidy would be $23.00, $276 per year.
Next, by only adding 10 new Members per month would produce an initial, annual Annuity Subsidy for you of about $18,000. In year 2, your annual compensation jumps to over $50,000. And this Annuity Subsidy could continue to multiply for many years.
Summary: The Annuity Subsidy has the greatest cash amount and is the longest paying. The Annuity Subsidy is much better than the one-time, Transactional Subsidy. The Annuity Subsidy is paid monthly.
With either Option it will be a great Service offered by your Association to all your Members and their staff.
Employees, Part-Timers, 1099s, Volunteers, Affiliates
✓ No Classification or Age Limitations: If they work for you, they can be included.
✓ Include Family Members: Adopted & Extended families, grandparents, aunts, uncles even pets can be included at an affordable price. Unlike Group plans.
✓ No “Open-Enrollment”: Your Staff can “Opt-In” or “Opt-Out” at any time.
✓ CHC Healthcare Plans are Portable: Each Staff Member can take their CHC Healthcare with them when they leave. No need for COBRA!
✓ CHC Healthcare Plans are Effective in 24 Hours
Everyone Needs an Affordable Healthcare Plan that can be tailored to their needs and budget!
Your Staff’s Dilemma: Traditional and Group healthcare insurance have become completely unaffordable for everyone, including your Staff.
Here’s How We Can Help: We can provide your Staff 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.
Take a Look
✓ Lower Your Staff’s Monthly Healthcare Plan Cost by 50%: Your Staff choose and pay only for the coverages they want. Each Medical Service is subsidized by CHC. Each Staff Member can receive discounts for being Healthy, having a Family, being a Senior, or having a Lower Income.
✓ Lower your Staff’s Out-of-Pocket Costs by 80%: A typical Group plan’s Out-of-Pocket cost is over $8,000. Likely, most of your Staff can’t pay this cost. This means you are offering, and they are buying, a healthcare plan they can’t afford to use.
With CHC, there are no Deductibles or Co-Insurance costs. Just one, affordable Co-Pay.
✓ Give Your Staff More Benefits & Coverages: 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 are included with CHC!
✓ Each Staff Member can personalize their own CHC Healthcare Plan: Not so with a Group plan. An 18 year-old, single person, has far different healthcare requirements than a 50 year-old with a family of 4. Unlike a Group plan, which is “one-size-fits-all”, a CHC Plan is personalized by each Staff Member to meet their needs and budget.
✓ Each Staff Member can receive Prescription Medications Reimbursed 100%: No so with a Group plan. With CHC, No Co-Pay, No Deductible, No Co-Insurance.
Suggestion: If you have a Group plan, take a few minutes to read it. Take a close look at the monthly and the annual Out-of-Pocket cost. We think you’ll be surprised at the costs! Then, compare to CHC.
CHC can provide your Staff with an affordable Healthcare Plan that will save them up to 50% on their monthly cost. More importantly, savings of 80% or more on their Out-of-Pocket costs.
To Learn More: See other areas of the Website. Use the “Header Selections” to Access
✓ Read About “For Singles & Families”
✓ Read About “For Employers”
✓ Go to “FAQs”
CHC is Giving Your Staff Discounts and Financial Subsidies So You Don’t Have To
Your Dilemma: If you are offering a healthcare plan, you are likely subsidizing your Staff’s monthly cost. Also, likely you have a low take-rate. This is usually because of your Group Plan’s cost is too expensive for your Staff.
Solution: Give your Staff a more affordable healthcare plan option and you’ll see a higher Take-Rate AND you won’t need to subsidize their Group Plan’s cost.
CHC is Better Than a Raise: Consider this, lowering your Staff’s healthcare cost is just like giving them a raise, only better. CHC doesn’t cost you anything to offer an affordable Healthcare Plan to everyone. A raise does!
Your Opportunity: If you are not offering a healthcare plan, now is the time! With CHC you can offer a great healthcare plan without it costing you any money.
How to Proceed: Offer the CHC Healthcare Plan as a Stand-Alone healthcare plan or along with a Group healthcare plan. Let your Staff decide which plan they want.
CHC Healthcare Plans are Affordable for You and All Your Staff !
Get out of the Healthcare Hassle and Back to Running Your Business.
Your Dilemma: When offering a healthcare plan, your staff have many questions. How does it work? What’s my options? What medical providers can I use? Where do I send my bills? These are just a few.
My guess is you can add to this list.
Your Response: You either have an HR person answer the questions or you have to do it yourself. Now is the time to add another option that gets rid of the previous issues.
Your CHC Option: Have us manage your entire healthcare plan for you.
How? Each of your Staff Members has access to their own personal CHC Healthcare Concierge.
The CHC Concierge will:
✓ Manages your and their entire healthcare program. So You don’t have to!
✓ Helps your Staff with general healthcare questions. That’s our business. Not likely yours!
✓ Reviews your Staff’s medical bills for possible billing errors. Most medical bills have Billing errors and missing discounts.
✓ Reviews to see if your Staff Member is getting medical service discounts. Lowers their Medical Services cost.
✓ Negotiates payment terms with Medical Providers. Another method to lower medical service costs.
✓ Helps your Staff locate cost effective Medical Providers. We have suggestions on which Medical Providers will give good discounts.
CHC is Your HR Healthcare Service
To Learn More: To see other areas of the Website, Navigate using the “Header Selections”. Visit “FAQs” to get answers to many common questions.
To Contact CHC: Have questions? Want to talk about CHC? Click the Action Button “Contact CHC Concierge Services”.
To Get a Healthcare Quote Now For Yourself, Click the Acton Button “Request Your Healthcare Quote ”.
To Request a Healthcare Quote For Your Company: Click the Action Button “Contact CHC Concierge Services“. Use the “How We can Help” drop-down to select “Request Your Group Healthcare Quote“. Include any questions or requests. Then “Submit”. We’ll be back to shortly.
To Request Your Subsidy Proposal: Click the Acton Button “Request Your Subsidy Proposal”. Like the above, make your selection on the Contact CHC screen.
Thanks for your Continued Interest
Why CHC is a “Must Have” for Your Staff
✓ No “In-Network” Requirement or Limitations
✓ Use any Medical Provider: Even Specialists and “Holistic” Medical Providers.
✓ Included Popular Coverages: Dental, Vision, Hearing, Holistic, Acupuncture & Chiropractic.
✓ Prescription Medications are Reimbursed 100%: Buy Anywhere. No Co-Pay or Deductible.
✓ Coverage anywhere in the World
✓ No Co-Pays
✓ No Co-Insurance
✓ No Deductible
✓ Reimbursements up to $1,000 per year: Buy Anywhere.
From Medical Providers
For CHC Members and other people who pay on day of service.
✓ Primary Care and Urgent Care facilities: 5% to 30%.
✓ Medical Specialists: To 50%.
✓ Hospitals: To 90%.
From CHC
✓ Healthy Discount: For persons in good health.
✓ Family Discount: For Families. The larger the family, the greater the Discount.
✓ Senior Discount: For persons over 55.
✓ Income Subsidy: For persons with a lower income.
✓ Loss of Income Subsidy: If and when the CHC Member loses their income due to a medical event, CHC will pay their CHC Healthcare Plan’s monthly price.
✓ ACA Or Group Plan Subsidy: If and when the CHC Member purchases an ACA or Group insurance plan due to a significant medical condition.
CHC Eliminated Deductibles & Co-Insurance costs
Replaced with a Single, Affordable Co-Pay
Most Group insurance plans have an annual Out-of-Pocket cost of $8,000 or more.
Think about this: Can any Staff Member afford to pay a Group Plan’s $8,000 Deductible & Co-Insurance cost when they need to use their Group insurance plan? Likely not!
So why have a Group insurance plan they can’t afford to use?
That’s the question!
✓ Your CHC Healthcare Plan price will not increase
✓ The prices for Coverages & Benefits will not increase
✓ Your Staff can add additional Coverages & Benefits at any time at today’s price
CHC Plans are Portable
✓ No Loss of Coverage. Better than “Cobra”
✓ Each Plan is Personalized and Owned by Each Staff Member
✓ Helps your Staff manage their entire healthcare program. So You don’t have to!
✓ Helps your Staff with general healthcare questions. We’re in the Healthcare Business. You’re not!
✓ Reviews your Staff’s medical bills for possible billing errors. Most medical bills have Billing errors and missing discounts.
✓ Reviews to see if your Staff Member is getting medical service discounts. Lowers their Medical Services cost.
✓ Negotiates payment terms with Medical Providers. Another method to lower medical service costs.
✓ Helps your Staff locate cost effective Medical Providers. We have suggestions on which Medical Providers will give good discounts.
CHC is your HR Department for Healthcare !
✓ Include Any Family Member: Adopted & Extended families, grandparents, aunts, uncles all at an affordable price. Unlike Group plans.
✓ Include Their Pets: They are Family Too!
✓ No Age or Other Limitations: If they want someone on their CHC Plan, they can be included. No cost to you!
To Learn More
Reports show fewer companies offer an employee health insurance plan because of the cost. Many employers resort to subsidizing their Staff’s monthly insurance costs, but take-rates remain very low.
Further, not all staff members can purchase a Group insurance plan because they are part-timers or volunteers.
Here is the bigger problem. Staff subsidies are rarely provided to pay the Group plan’s most expensive cost; their Group plan’s Deductible and Co-Insurance costs.
In 2022/2023 these Out-of-Pocket costs average about $8,000 or more. Double this amount for a family.
Here’s the Question. “How many staff members can pay $8,000?” Likely none, maybe just a few.
So, the bottom-line is this. Even after the employer pays the subsidy cost, their staff still can’t afford to use their Group insurance plan. This doesn’t make sense. Does it?
You & CHC Can Fix All of the Above Problems with a CHC Healthcare Plan
How Car Dealerships Make More Money than Selling Cars
Their Business Model: 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) department. After the “Car Sale” the F&I person sells Finance and Insurance. F&I created a major income stream for the dealership.
In many cases, the FYI “Annuity Income” is greater than the “Transactional Income” from the sale of the car.
How Your Association can use this Successful Business Model
Create a “Member Services” Office: The same business model can be adopted by your Association. Offer the CHC Healthcare Plan to every Association Member. Add a dedicated staff person or have CHC provide the staff person.
Your Opportunity: Your Association has thousands, maybe even hundreds of thousands, of dollars of potential income you not receiving today.
Every resident in your Community needs affordable healthcare. Your position in the Community is excellent to offer everyone in your Community an affordable CHC Healthcare Plan.
We’ll show you how to turn this potential income into actual cash
✓ CHC Healthcare Plans are More Affordable than ACA and Group Plans: About 50% less expensive per month. Out-of-Pocket costs are about 80% or more less expensive.
✓ Each CHC Plan is Individually Designed by and for You: Not by an insurance company or the government.
✓ You can use any Medical Provider, Any Medical Service, Anywhere in the World: No “In-Network” requirement. No limitations!
Included Popular Coverages: Traditional Medical, Dental, Vision, Hearing. Plus Holistic, Acupuncture, Chiropractic, Labs, Tests & X-Rays, Vaccines, Medical Transportation and more.
✓ Prescription Medications are Reimbursed 100%: No Deductibles or Co-Pays.
✓ No Deductibles or Co-Insurance: Only a single, affordable Co-Pay.
✓ You Receive Plan Discounts From Medical Providers: For CHC Members and other people who pay on day of service. 5% to 30% from Primary Care and Urgent Care facilities. Specialists, more. To 90% for Hospitals.
✓ You Receive Plan Discounts from CHC: For Being Healthy, Having a Family, Being a Senior, Having a Low Income.
✓ Financial Subsidies:
Loss of Income Subsidy – If and when you lose your income due to a medical event, CHC will pay your CHC Healthcare Plan’s monthly price.
ACA & Group Plan Financial Subsidy – CHC will pay your ACA or Group plan’s costs when you are diagnosed with a major medical illness and an ACA or Group plan is recommended.
✓ Receive your personal CHC Healthcare Concierge: Helps you manage your entire Healthcare Program. Reviews your bills for possible billing errors. Locates medical service discounts and cost-effective Medical Providers. Answers your healthcare questions.
✓ Get a Community Healthcare Savings Account (CHSA): Our CHSA is similar to a federal HSA with greater benefits. Here’s a key difference. CHC matches your CHSA Contributions and pays you 5% interest on your CHSA balances.
✓ Get Sponsorship Bonuses: You can receive $100 for each person or family you Sponsor who join and purchase a CHC Healthcare Plan.
✓ Price-Lock Guarantee: No price increase options for up to 3 years.
✓ ✓ Plus More… Contact CHC!
The Following are Representative Prices: One CHC Healthcare Plan, which can be customized by choosing may different options. The CHC prices include popular coverages such as Wellness visits, Dental, Vision, Hearing plus Holistic, Chiropractic, and Acupuncture Medical Services.
ACA & Group Plans only include Wellness visits until the Plan’s Out-of-Pocket costs are met. Dental, Vision, Hearing are extra costs that need to be purchased from other insurance companies. Holistic, Chiropractic, Acupuncture are usually not covered.
Out-of-Pocket Costs: CHC has no Deductible or Co-Insurance Cost. Only a single, affordable Co-Pay with a Maximum of $1,000 Out-of-Pocket cost per Medical Claim.
ACA & Group Plans: The annual Deductible and Co-Insurance Cost is about $8,000. This cost must be paid before the ACA pays any Medical costs. The only exception is an annual Wellness exam. Not Very Affordable!
Note: Because a CHC Healthcare Plan has more coverages than an ACA or Group plan, this is not a true “Apples to Apples” comparison.
The Community Healthcare Cooperative “CHC” is a community-focused, member-funded organization, providing affordable healthcare solutions for individuals, families and employers.
CHC Is similar to an Agricultural Cooperative, which provides a “One-Stop” community service for farmers. CHC is a “One-Stop” healthcare service for you and everyone in your community.
Our Mission: To make healthcare affordable, less financially risky and easier to manage.
Corporate Headquarters: We’re located in Colorado and offer our CHC Membership & CHC Healthcare Plan anywhere in the U.S. and the World. We’ve been around for over eight years.
People Insuring People is Who We Are
If you are offering a healthcare plan:
✓ Why are you offering a healthcare plan that the majority of your Staff can’t afford to use? How many of your Staff can pay an $8,000 Out-of-Pocket cost?
✓ If you have a Group plan, why is your Staff Participation rate so low? Cost is the usual reason !
If you are not offering a healthcare plan:
✓ If you have not offered a Company Healthcare plan, why not? With CHC you now can because you don’t need to subsidize the plan.
✓ If you offered an affordable healthcare plan do you believe you could retain and recruit top-notch staff ? Likely !
✓ If you could eliminate the need to subsidize your healthcare plan, would you ? Increase your income. Use for other purposes.
✓ Reports show that fewer companies offer a health plan. Yet, their employees believe and want their employer to offer an affordable healthcare plan.
What do you want to do?
To Learn More: To see other areas of the Website, Navigate using the “Header Selections”. Visit “FAQs” to get answers to many common questions.
To Contact CHC: Have questions? Want to talk about CHC? Click the Action Button “Contact CHC Concierge Services”.
To Get a Healthcare Quote Now For Yourself, Click the Acton Button “Request Your Healthcare Quote ”.
To Request a Healthcare Quote For Your Association: Click the Action Button “Contact CHC Concierge Services“. Use the “How We can Help” drop-down to select “Request Your Group Healthcare Quote“. Include any questions or requests. Then “Submit”. We’ll be back to shortly.
To Request Your Affiliation Subsidy Proposal: Click the Acton Button “Request Your Subsidy Proposal”. Like above, make your selection on the Contact CHC screen.
Thanks for your Continued Interest !
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