California restaurant owners are getting hit from all sides these days.
Then there's health insurance.
Many restaurant owners can barely afford to offer benefits or choose not to altogether.
We don't want to wait till we're big like Starbucks to offer benefits but there's also a reason Starbucks is big...
They offer benefits to their employees.
Okay...so what can a restaurant owner do?
We finally have some good news!
United Health is offering an Association plan for hospitality and restaurant employees.
Here's the main point (you're busy).
We just knocked a 1/3rd off your cost!
We still get access to the following:
If your interest was peaked at 30% discounting, you can run your quote right here:
Otherwise, let's look at the program for California restaurants:
Let's get started.
First, the broad strokes.
Basically, United was smart.
They took advantage of the big push nationwide to find options to bring down the cost of health insurance.
One such option is to carve out a specific market segment (restaurants and hospitality in this case).
You can then offer large group pricing and benefits to that giant segment.
What better partner than the California Restaurant Association in California and the National Restaurant Association nationwide.
We still get all the bells and whistles of United health (more below).
We also get the benefits of being a California Restaurant Association member.
More importantly, we can offer affordable health insurance to our best restaurant employees.
That's the real reason to investigate this at all.
No offense to United or the CRA...but if we can give our employees coverage in budget, that's all we need to focus on.
You can quickly check the rates for your company here:
Let's look at the two players.
We'll start with the health carrier.
United health is pretty well known to many people.
Especially if you have ever had health insurance through an employer.
They are very strong in the California group health market.
In fact, as the largest US carrier, that's their focus.
Employer based health plans for large and small companies.
We're not surprised they were the first to take advantage of the Association niche.
They came out with a similar program for Engineering firms a few years back.
Similar savings and we're happy to say, it's been a home run for the engineering firms we helped find this option.
They've now turned their attention to a much larger segment of the California economy.
Restaurant and Hospitality.
More importantly, this market segment is the most uninsured in the State!
That's a perfect storm.
United picked well.
As for United itself, here are some key metrics:
They're the real deal in health insurance.
They're also one of the most innovative.
Constantly...looking for new ways to fight back against the crazy inflation we've seen lately.
The Association plan for the California Restaurant Association is a perfect example.
You can quickly
the CRA United health plan.
What about the California Restaurant Association?
The National Restaurant Association is the big, nationwide entity but California's no slouch.
It could function as its own country...7th biggest in the world!
The CRA functions primarily has a community based lobbying group for the hospitality and restaurant segment in Sacramento and California.
They also offer a host of other services to their members.
One of these services is the newly created Association health plan through United.
It's available only to restaurant and hospitality companies in California.
Some quick stats on the California Restaurant Association:
You can quote the United CRA plan here to see what your rates would be:
Call 866-486-6551 or by email with any questions.
We keep seeing the word "Association health plan".
What does that mean?
Association plans are a special carve out against all the mandates of the ACA law (Obamacare).
It allows us to essentially offer plans similar to what we had before 2014.
Reason enough to investigate.
This particular association is based around the restaurant and hospitality market.
This leveraged buying solution has the impact of bring down costs by up to 30% in most cases.
It also allows the carrier to medically underwrite smaller companies (1-20 employees).
The net effect is lower pricing for those companies that are eligible.
Let's look at this eligibility piece.
First, the company must operate in one of the following 5 SIC codes:
They must also be members of the California Restaurant Association or the National Restaurant Association.
The size of company affects options as well.
Here are the basic parameters by company size:
We can help you figure out where you are in terms of eligibility with the various rules. There's no cost for our service. 100% free to you.
It's not just restaurants that can take advantage of the savings.
Basically, a company that serves food or beverage to the public.
Take a look at the SIC codes above which can participate.
We can help with specific questions on eligibility for hospitality companies.
This is a no-brainer.
Every carrier screams about how they support multi-lingual outreach but United has really delivered.
Spanish support both in terms of language but also with key outreach programs.
It's part of their Latino Solutions option and there's never been a better fit than with the California Restaurant Association health plan.
Some highlights of the PlanBien and Latino solutions free benefit:
PlanBienSM is currently available in Arizona, California, Colorado, Florida, Illinois, New Mexico, Texas and Utah.
This benefit does not cost extra but will be incredibly important for the CRA association plan.
The Latino community is key to making the California restaurant industry function!
Let's support their health insurance adoption and satisfaction.
Good news here.
No watered down or flimsy networks.
The full deal!
That's right...we're getting up to 30% discounts on the best network!
Some key metrics for California CRA plan:
Networks have never been an issue with United and the CRA plan has access to the premier network.
Here's a link here for the United provider network through the CRA.
There are a few specific rules for eligibility but it's very similar to any group health plan.
Here are the main requirements for CRA/United plan:
Those are the big ones.
Every company is completely different.
That's where we come in.
Seriously, we know all the angles to help make this happen if it's affordable to you.
Just run your quote and we'll figure out the rest if you need help:
Get ready to save up to 30% off group coverage if eligible!
With total assistance and hand holding.
You're really busy...the restaurant business is 24/7 brutal.
We'll do the heavy lifting on this side and there's no cost for our assistance.
Here's the general process for enrolling in the United CRA plan:
If you have a question or issue, you shoot it our way and get back to your business.
That's what we're here for and there's no cost for our assistance.
How can we help!
You own or run a restaurant.
Maybe a group of restaurants.
You either offer group coverage that's getting more expensive every year
You want to give employees some option to keep the good ones!
It's getting competitive out there now in the labor market.
Deep down you know it...
Long term members of your business!
Unless you love constant churn and hiring/training, health coverage is essential.
The United association plan with the CRA is probably the best thing we've seen in this space in decades.
Up to 30% savings.
The only other savings we see restaurants take advantage of with better savings are food service GPO's here.
Let's at least see what the rates look like and go from there.
Run your CRA United quote here.
How can we help!
No tip required. Our services are free to you!
Again, there is absolutely no cost to you for our services. Call 866-486-6551 Today!
Savings up to
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20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
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