Finally some good news for restaurants.
In the face of lots of bad news.
New rules on minimum wage.
Food prices going up.
Don't even bring up insurance costs!
Just when you're about to throw in the apron (bad pun, we know), there's some good news.
On the health insurance for restaurant employee front anyway.
Already offering coverage to your restaurant employees or want to as a way to keep the good ones in a tight labor market...we finally have an option.
If you need to get back to the 24-7 business, here's the main takeaway.
United is offering an Association plan to restaurant employees.
Even against United's standard plans.
That's a big number.
You can always request your quote right here:
Otherwise, let's dig a little deeper in the National Restaurant Association option.
We'll cover these areas for offering restaurant employee health insurance:
Lots to cover.
Lots to save...so let's get started.
First the broad strokes.
This is probably the first big use of the expansion of Association health plans.
Association health plans allow carriers to offer special pricing to select groups of people.
In this case, it's restaurant and hospitality workers.
Why does this matter?
We're seeing discounts up to 30% versus the lowest priced plans on the market.
That's a huge deal for restaurants, bars, hotels...any company that serves food to the public.
This matters for one important reason.
The restaurant and hospitality sector has the highest rate of uninsured.
The market is incredibly price-sensitive.
It's just been to expensive till now for them to offer group benefits to employees.
Maybe not anymore.
You can quickly request a quote for the National Restaurant Association health plan here:
In a nutshell, we can get access to the following:
This is a big deal in health insurance.
Let's look at the players.
United is the largest single owned carrier in the United States.
They're generally top 3 in health insurance across all metrics.
Here are some of their key advantages:
It's not surprising that the National Restaurant Association picked United.
United is the currently the biggest and best for Nationwide coverage.
Maybe more importantly, they've been willing to try new things in order to bring down the cost of health insurance.
First we had the health insurance plans for engineering firms from United.
Now we have specialized options for restaurant and hospitality employees.
This is a much bigger deal though.
We're talking about millions of employees!
Speaking of which, who is the National Restaurant Association?
The other part of this, the NRA is one of the largest associations in the nation if not the world!
A few measurements:
They're a big deal.
Representing a lot of workers.
The United health plan partnership with the NRA and CRA is a perfect fit.
A need for affordable coverage and a specially priced option tailor made for hospitality employees.
NRA/CRA membership is required in order to enroll in the new United health plan.
They also have a host of insight, benefits, and support to help restaurants function better and more profitably.
Don't worry...California's not left out.
The same discounts up to 30% apply for California restaurants.
You can quickly run your quote here to see what the rates and plans look like.
There's no cost for this service.
If you already have United, you can even move to the new NRA/CRA health plan if eligible.
More detail on the California Restaurant Association plan here.
Okay, just joking but sorta not.
Basically, the association health plans do not have the ACA requirements.
That alone is a reason for the significant savings.
Upwards of 30%!
The differences will vary by State as some already had many of the protections.
California comes to mind.
They can decline based on health of the group depending on size of the company.
We've had good success with underwriting though.
Most groups get approved so it's not a big deal.
When we send you the United NRA quote, you'll be able to see the differences in coverage.
Just run your National Restaurant Association United health quote.
It's not just restaurants.
Basically, a company that serves food to the public.
SIC Code Eligible: 5812, 5813, 7011, 7032 & 7041
What about basis eligibility requirements?
Companies with 2 - 99 employees are eligible.
For larger companies, there are discounts available.
50% of the full time employees must participate.
That's a big one.
We can help you figure out the eligibility piece directly since every company's situation is different.
The employer has to be a member of the National Restaurant Association
We can sign up if you decide to enroll.
Those are the main requirements.
We are happy to walk through your company's situation at 866-486-6551 or by email.
Hispanics have accounted accounted for 56% of population growth in the US from 2000-2010.
Their important and impact in the restaurant and hospitality sector is primary in the US.
They are also one of the most underserved and underinsured segments of the population.
United decided to do something about this with the Latino Health Solutions program.
This will be especially useful with the National Restaurant Association plans.
United's PlanBien will be especially helpful in bridging the gap for this population.
PlanBien offers a full suite of bilingual, culturally relevant services, tools and resources especially designed for restaurants and hospitality businesses with Spanish-speaking employees.
Here are the highlights for the National Restaurant Association
PlanBien SM is currently available in Arizona, California, Colorado, Florida, Illinois, New Mexico, Texas and Utah.
We have a choice of different United networks to meet every company's budget.
This is very important.
When you run your quote, think about your ideal budget and we can then quote accordingly.
The size of your company affects the options and savings available:
We're happy to help you investigate how to get the most benefit for your size company.
Just call us at 866-486-6551, email us, or request your quote.
Every company is different but here's what we're seeing when we run proposals against existing group plans:
Up to 30% savings with United's National Restaurant Association plans
It's pretty impressive.
Hard to get excited about health insurance but we're...very...close!
Just run your quote here to see how it works for your company:
We'll turn around the proposal...usually in 24-48 hours during business time.
We're happy to help with any questions and the United option is available in most States.
There are additional savings for dental, vision, life, and critical illness but the real advantage is on the medical.
What many restaurants do is to set a per-employee budget.
The employee can then pay the difference with pre-tax dollars!
This is done with an inexpensive POP 125.
Close to a slam dunk as you can get.
The savings can usually beat tax credits offered by Obamacare depending on employee's household income and employer's contribution.
Talk to Starbucks employees on why they go to work and stay there.
Health insurance is generally in the top 3.
You can use it to get the best people and keep them!
We can help you afford to do it!
Steps to quote United health with National Restaurant Association
No cost for our services as licensed agents. Zero!
We're happy to walk through any questions you have.
If we can save you up to 30% on your health plan costs, let's do it!
Once we know we can save you quite a bit on health care costs, how do you move forward?
With total support!
How to enroll in United through National Restaurant Association
The process differs depending on size of company.
Either way, we're here to guide you and take the heavy lifting off of you.
Since it's a special program, the underwriting is still manual.
There's no cost for our services. Zero!
The rates are identical with us as direct but you'll have a 3rd part advocate.
Call us at , email us, or request your quote.
This is a big deal.
For a big population.
We're very excited to finally have a way for restaurants to afford health insurance for their employees.
There's a lot of pressure on restaurants these days.
It's huge deal.
The easiest approach is as follows:
Let us get to work!
This usually works the best for restaurants and hospitals since cost is such a crucial issue.
Of course, we're happy to help at 866-486-6551 or by email.
You can request your United and NRA/CRA quote here.
No tip required. Our services are free to you!
Get information on Restaurant Group Purchasing Organizations here.
Again, there is absolutely no cost to you for our services. Call 866-486-6551 Today!
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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
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We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
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