4A's Benefits To The Rescue
4A's Benefits had been exploring solutions to the health insurance dilemma for many years, when Coca Cola Bottlers' Association (CCBA) invited us to introduce their program to our members. After an exhaustive due diligence and planning process lasting a year and involving independent healthcare experts, 4A's Benefits is proud to introduce CCBA's healthcare solution to 4A's members.
The CCBA program brings the best of the best in plan designs and national account insurance platform packaged with a rich array of ancillary benefits. This is a custom program that CCBA has created for our members built on demographics of our industry.
Note: Although 4A's Benefits is acting as a liaison to CCBA, we are not providing broker services to members.
The CCBA APSO Program offers:
- Carryover of unused premium to the following year
- Fortune 500 Plan platform Cigna network and claims adjudication
- Full claims transparency for all groups regardless of size
- Multi-state agencies can offer the same plan designs to all employees, regardless of location
- Rich plans available with NY, CA mandates, PLUS infertility coverage
- Fully integrated HSA accounts available with higher deductible plans through JP Morgan Chase
- Fully integrated COBRA solution at no additional cost
- Health Advocate to assist employees with claims/treatment issues
- Cigna discounts available for wellness: Weight Watchers®, Bally Total Fitness®, Pearle Vision®, Curves®, Drugstore.com™, et al.
How will my agency save money through this program vs. my current in-force insurance?
You will save:
- State Premium taxes on your policy
- The cost of State Mandates in your policy
- On claims cost through Cigna’s medical services providers' deep discounts
- On claims cost through Cigna health condition management
- Through law of large numbers - with more employers entering the plan, the administrative cost per person is decreased (admin cost is built into your tier rates now)
- With good experience within the program - your residual premium dollars will roll over to the next year to reduce premium in the subsequent year
