General FAQs

A. TheSB/A Cooperative uses First Health Provider Network, one of the largest network of Hospitals, Cliics, and Physicians in the USA.

A. Free Market Administrators (FMA) administers The Freedom Plans’ medical benefits on behalf of the SB/A Coop’s members. FMA is a Third-Party Administrator (TPA) headquartered in xxx, xxx. FA serves employer clients with members in the lower 48 states. FMA has teamed up with best-in-class business partners, from leading PPO networks in each geographic area, to care management companies, telemedicine providers, and transparency tools – all the components needed to manage costs and provide a great member experience.  FMA has been in business for over 25 years and is recognized nationally as a premier independent third-party health plan administrator and resides under the umbrella of Regional West Health Services, western Nebraska’s largest provider of health care services.

ProCare Rx administers The Freedom Plans’ pharmacy benefits. ProCare Rx has been in business for over 30 years and remains an independent, privately held, full-service Pharmacy Benefit Manager (PBM) with a nationwide network of over 66,000-member pharmacies. ProCare Rx’s services, technology, and pharmaceutical pricing contracts are considered the be the best in the industry.

A. The Freedom Plans reside inside of the Small Business Agency Cooperative non-profit corporation. Secondly, there are coverage caps and by purchasing only the amount of care you might anticipate over the year, you can save a lot of money on your health care coverage.

A. Enrollees evaluate the plans and select a coverage limit or “cap”. This cap represents the upper limit of care provided. Supplemental  benefits or catastrophic plans may be added for additional coverage.

A. There are no waiting periods on basic level benefits or preventative care benefits. However, extended (enhanced) inpatient/outpatient benefits have a 90 day waiting period or 10 month waiting period depending on condition.

A. There are no front-end deductibles.

A. Yes, members will have access to 24 Hr. Virtual Clinic which allows members to call and speak to a state board certified physician who will be able to triage the patient and if required, prescribe appropriate medications to be picked up at a member pharmacy.