SB/A Cooperative FAQs

A. 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 relationships for and between its members. The SB/A CoOp may legally aggregate small business employers together without becoming a Multiple Employer Welfare Association (MEWA) or acting as a Multiple Employer Trust (MET).

A. Business owner members pay $24 annually, which renews January 1 of each year.

A. The SB/A Cooperative sponsors a self-funded medical employee benefits program that is fully compliant with ERISA. ERISA supersedes the Affordable Care Act and grants an employer the ability to offer non-conforming ACA medical benefits that are more affordable, providing the employer meets specific ERISA mandated requirements – in writing, funding, and non-discriminating in-benefit levels and eligibility.

A. The SB/A Cooperative offers medical health benefit plans that also include the Minimum Essential Coverages (MEC) as was required under the original Affordable Care Act. This includes Preventative Care, Routine Well Care, Adult Preventative Services and Screenings, Woman Preventive Services and Screenings, Child Preventive Services and Screenings, and 100% of ACA Mandated Prescriptions such as birth control.

A. Zero deductibles, first dollar coverage, low out-of-pocket maximums, no pre-existing condition exclusions, no waiting periods*, Affordable Care Act Preventative (MEC- Minimum Essential Coverage) covered at 100%, pharmacy prescription, Virtual Clinic 24/7, dental and vision discount plan.

*Extended Inpatient and Outpatient Benefit Provision is effective 90 days after effective date of member; Maternity Inpatient and Outpatient services are effective 10 months after the effective date.

A. Major Medical plans combine the every day health care plan with a catastrophic plan, and usually include a high deductible that must be met. The SB/A Cooperative is a non-profit corporation which reduces premiums, and the plans have coverage “caps”, which further reduce the premiums, and offer zero deductibles with 50/50 coinsurance with first dollar coverage.