Affordable Healthcare has come to the window cleaning industry. Gone are the days when you need full employee participation, or a full census just to get a quote. Even if you were part of the lucky few who could offer health coverage to your people, the plans were usually high-deductible, which shifted most of the responsibility to the employee. To make matters worse is that these plans were still cost prohibitive to the business.
The Health Benefit Alliance (HBA), is designed to provide truly affordable, ACA-compliant, health insurance. It is built on copay plans, not high deductibles. There are customizable options with rates significantly lower compared to traditional health plans for IWCA member companies with 2 to 20K employees.
How is HBA different from Traditional Health Insurance?
|High deductibles||No deductible – $0|
|High co-insurance||Reasonable co-pays|
|1 or 2 choices||11 options, each customizable|
|75% participation requirement||25% or less required|
|Employee and dependent census collection||No census required|
|Variable rates based on age||Same flat rate for all|
|Limited doctor and hospital network||Access to the largest doctor network in the country and any hospital in the US|
|Expensive||Rates as much as 40% lower|
|Only for full-time employees||Open to ANY employee|
|50% minimum contribution||No mandatory contribution|
IWCA is passionate about providing solutions that help our members attract and retain employees. Visit IWCA Medical Benefits to learn more. You can also download this PPT to learn more as well. IWCA Medical (1)