About Us
Let’s talk about great health care, simplicity, savings, and freedom. Let’s see how this works and introduce you to the SB/A Cooperative.
Today’s health benefits landscape is more challenging than ever before. Companies of all sizes and types, from 1099 contractors up to medium size corporations are making the switch to add affordability, flexibility, and customizable health benefit options for themselves and their employees.
The Freedom Plans are sponsored by the Small Business Agency Cooperative (SB/A CoOp). The SB/A CoOp is a Non-Profit “Agency” Cooperative Corporation that does not buy or sell products or services but acts as the “Legal Collective Agent” of all the Cooperative Members to facilitate advantageous contractual relationships for and between the members. The SB/A CoOp may legally “aggregate” self-employed individuals (working 16 hours or more per week) and small and large employers together without becoming a Multiple Employer Welfare Association (MEWA) or acting as a Multiple Employer Trust (MET).
There are components that allow the Small Business Agency Cooperative to develop and sponsor The Freedom Plans. ERISA is the Federal Law that sets the standards and regulates approximately 60% of private and public sector industry health care plans.
The Small Business Agency (SB/A) as defined above, is a specific marketplace where employers and their employees, sole proprietorships, 1099 contractors, LLC’s, and direct sales distributors can become members and access the marketplace which offers The Freedom Plans.
The plan administrator is the bedrock and handles premiums and adjudicates claims; the prescription pharmacy, and the dental/vision are also important parts that make your healthcare plan function smoothly.
SB/A CoOp has contracted the best partners. The plan administrator has negotiated low provider rates for hospitals, physicians, urgent care centers, and clinics throughout the USA.
Your pharmacy plan pre-negotiates up to 80% of prescription drugs and your Dental/Vision plan also negotiates its discounts on your behalf.
