Associations and franchisors find it difficult, if not impossible, to find any major medical health insurance carrier willing to offer a health plan to their members and franchisees. The insurance carriers consider the franchisees and the franchisor as separate companies, and they don’t look upon the franchisees employees as employees of the franchisor. Because of this, franchisees are usually on their own when trying to provide health insurance to their employees or for themselves. A franchisee with only a handful of employees may find it prohibitively expensive to provide health insurance benefits to his or her employees.
Lehrman Group is a major medical health insurance broker doing business nationwide since 1988, and we have a solution for associations and franchisors/franchisees. Whether your franchise or association has a localized membership of only a few individuals or many thousands nationwide, Lehrman Group can provide you with the health insurance benefits you require. We can offer your members high quality, major medical health insurance plans from United HealthCare, Assurant and Humana, three of the largest health insurance companies in the United States. Several types of plans are available, including PPO and HSA plans, and we make it very simple for your membership to receive quotes and apply for a plan. We will create a custom website where your membership can instantly view personalized rates and apply. We also provide your organization with a toll free number, answered in your group’s name, where your members can get rates, talk one on one with an agent, and apply for a policy.
There are a few companies in the USA that claim they can offer guaranteed health insurance benefits to associations and franchise companies, but these plans are not major medical plans. These plans are called “defined benefit” plans, and they offer very limited benefits – they’ll pay a set dollar amount for each day an insured is in a hospital, and they’ll pay up to a certain amount for surgical procedures. Usually what they pay is nowhere near what the bills actually total, and if you are covered under one of these types of plans and end up in the hospital, you’ll probably be in for a very large surprise when you find out what you’ll actually end up having to pay. The plans are very expensive when you consider what you have to pay for the monthly premium versus what the carrier will pay when you are hospitalized.
If you are a franchisor or a director of an association looking for a health plan to offer your members, contact Lehrman Group at (800) 600-9663, ext 11 for more information, or click here and complete the small form requesting us to contact you.
