For Members of the NCCA
Healthcare Protection. Custom-tailor affordable, quality benefits for your employees.
DO YOU HAVE AN AFFORDABLE BENEFITS PACKAGE FOR YOURSELF?
Have you gone without Health Insurance and other Benefits because you don’t qualify – or can’t afford the premiums?
Great News: National Child Care Association & Child Care Insurance Professionals has teamed up with MyFranchise Association to bring you the low-cost, highquality, no hassle benefits needed for yourself and your family.
MyFranchise Association Membership Includes:
- Access to a full range of benefits with no participation requirements.
- Legal Services & Identity Theft Protection through the National ID Recovery
- A Security Plus PayCard, a paid Visa Card Program with NO ACTIVATION FEE required.
- MyFranchise Association Pharmacy Discount Card
Monthly Membership Dues: $8.50
Benefits Available
Through One Of The Nation’s Largest & Most Trusted Child Care Insurers
Limited Medical Plans
- Coverage for Dr. Visits, Surgery & Hospital Stays, Prescription and more
- Guaranteed issue
- Covers pre-existing conditions
AlwaysCare Dental/Vision Plan
Off-the-Job Accident Coverage
Dear Friend and Member,
After the economy, the second major challenge to American business is the runaway cost of health insurance and other employee benefits. Many of you have asked us to help, and we believe we have found an effective partnership with Child Care Insurance Professionals & MyFranchise Association.
These programs were specifically designed to give small businesses the ability to use our collective group purchasing power to obtain benefits that normally would not be available to an individual or small business.
In Selecting the benefit portfolio, we first focused on the affordability of the Limited Benefit Medical Plans, that are designed to provide basic benefit coverage, not to replace any Comprehensive Major Medical coverage you currently have or can obtain. They can also be used to fill in gaps in current coverage that you may already have.
You can offer these benefits to your employees on a voluntary paid basis, or employer contributed, which is traditional for group plans. Another benefit of reversing this trend is that plans may now be offered to full and part time employees along with independent contractors.
An added plus is that your employees will be able to speak with a live person when calling the MyPlan Benefit Customer Service Center for enrollment purposes, benefit questions, general inquiries, or claim status.
You probably have questions about how this can work for you and your employees. We welcome your call to discuss any part of the program at all. Thank you and we certainly appreciate your interest in this important venture!
Sincerely,
Marie W. Darstein
Executive Director
National Child Care Association
Limited Benefit Medical Plans
The Limited Benefit Medical Plans described are low-cost plans that have guaranteed acceptance with no requirement for medical underwriting, participation requirements or any preexisting conditions or limitations. They are designed to provide reimbursement for basic services at highly affordable rates but are not designed to replace any current Major Medical coverage you have available.
| MFA/TRANSAMERICA | NCCA BRONZE | NCCA SILVER | NCCA GOLD |
|---|---|---|---|
| Daily In-Hospital Indemnity Benefit | Pays $200 per Day 30 Days per Confinement |
Pays $400 per Day 30 Days per Confinement |
Pays $700 per Day 30 Days per Confinement |
| Doctors Office Visit • Calendar Year Maximum |
Pays $80 per Visit 6 visits per year |
Pays $100 per Visit 6 visits per year |
Pays $100 per Visit 6 visits per year |
| Diagnostic X-Ray & Lab • Calendar Year Maximum |
Pays $50 per Test 2 Tests per Calendar Year |
Pays $100 per Test 2 Tests per Calendar Year |
Pays $100 per Test 2 Tests per Calendar Year |
| Surgical Benefit | Pays amount shown in $1,000 Surgical Schedule |
Pays amount shown in $2,500 Surgical Schedule |
Pays amount shown in $4,000 Surgical Schedule |
| Anesthesia Benefit | Pays 20% of Surgical Benefit | Pays 20% of Surgical Benefit | Pays 20% of Surgical Benefit |
| Additional In-Hospital & In-Patient Surgical Benefit |
Pays $500 per Confinement 1 Confinement per year |
Pays $2,000 per Confinement 1 Confinement per year |
Pays $3,500 per Confinement 1 Confinement per year |
| Off-The-Job Accident Benefit • Calendar Year Maximum |
Pays up to $500 in Expenses Up to 5 Accidents per Year Per Covered Person |
Pays up to $1,000 in Expenses Up to 5 Accidents per Year Per Covered Person |
Pays up to $1,000 in Expenses |
| Prescription Discount Card | Caremark Prescription Drug Discount Card | Caremark Prescription Drug Discount Card | Caremark Prescription Drug Discount Card |
| Wellness/Preventive Care • Calendar Year Maximum |
Pays $200 per Visit 1 Visit per Year |
Pays $200 per Visit 1 Visit per Year |
Pays $200 per Visit 1 Visit per Year |
| Critical Illness & Subsequent Critical Illness | Not Available | Not Available | Pays $10,000 for Cover Critical Illness & Separate Subsequent Critical Illness |
| Emergency Room Sickness Benefit • Calendar Year Maximum |
Not Available | Pays $200 per Visit 2 Visit per Year |
Pays $200 per Visit 3 Visit per Year |
| In-Patient Drug & Alcohol Indemnity Benefit | $200 per day/60 days per year
$100 per day/40 days per year $50/day thereafter for outpatient |
$400 per day/60 days per year
$100 per day/40 days per year $50/day thereafter for outpatient |
$700 per day/60 days per year
$100 per day/40 days per year $50/day thereafter for outpatient |
| Mental & Nervous Indemnity Benefit | $200 per day/60 days per year
$100 per day/40 days per year $50/day thereafter for outpatient |
$400 per day/60 days per year
$100 per day/40 days per year $50/day thereafter for outpatient |
$700 per day/60 days per year
$100 per day/40 days per year $50/day thereafter for outpatient |
| TeleDoc Services • 24 Hour Telephone Service |
Access to licensed physicians who specialize in telephone medical consultation | Access to licensed physicians who specialize in telephone medical consultation | Access to licensed physicians who specialize in telephone medical consultation |
| PPO Network - The MultiPlan Network |
Discounts from Network Physicians Hospitals, Outpatient X-ray and Lab Service Providers | Discounts from Network Physicians Hospitals, Outpatient X-ray and Lab Service Providers | Discounts from Network Physicians Hospitals, Outpatient X-ray and Lab Service Providers |
| MONTHLY PREMIUMS | |||
|---|---|---|---|
| Employee | $79.04 | $147.12 | $210.69 |
| Employee & Spouse | $138.97 | $266.46 | $380.60 |
| Employee & Child(ren) | $137.11 | $248.00 | $345.41 |
| Family | $197.69 | $368.42 | $516.93 |
The insured benefits described on this page are fully insured and backed by the financial strength of Transamerica, an AEGON Company. Transamerica has A.M. Best Rating of A+ Superior. AEGON is one of the world’s leading life insurance and financial services organization. The MultiPlan PPO Network are not insured benefits and are not covered by Transamerica, but are separate vendor service.
AlwaysCare Dental and Vision Plan
You can choose to enroll in the AlwaysCare Dental and Vision plan even if you do not purchase a medical plan. The AlwaysCare Dental and Vision Plan is underwritten by the National Guardian Life Insurance Company of Madison, Wisconsin.
| Dental Coverage Summary | |
|---|---|
| Annual Deductible- Does not apply to class A and D services | $50 per Person (3 per family) |
| Annual Maximum | $1,000 |
| Covered Services | Waiting Period |
|---|---|
| Class A Fee Schedule – Preventive Services - Routine Exams, Prophylaxis, Bitewing X-rays, Flouride Treatments, Sealants, Space Maintainers Emergency Treatment, etc. |
None |
| Class B Fee Schedule – Basic Services - Fillings, Simple Extractions, Endodontics, Periodontics, Denture and Crown Repair, Oral Surgery, etc. |
None |
| Class C Fee Schedule – Major Services - Crowns, Bridges, Dentures, etc. |
12 Months |
| Class D Schedule – Orthodontia Services - Dependent children to age 19 only - Maximum Annual Benefit: $500 - Maximum Lifetime Benefit: $1000 |
12 Months |
| Vision Coverage Summary | In-Network | Out-of-Network |
|---|---|---|
| Materials Only | $25 Co-pay | See Below |
| Standard Lenses - Once every 12 months - Single Vision - Bifocal - Trifocal - Lenticular - Progressive |
Covered by Co-pay Covered by Co-pay Covered by Co-pay $80 Allowance $70 Allowance |
Up to $25 Up to $40 Up to $50 Up to $50 Up to $40 |
| Frames - Members choose from any frame at provider locations | $100 Retail Frame | Up to $50 |
| Contact Lenses - Once Every 12 Months – In leiu of eyeglasses - Elective - Medically Necessary |
Up to $100 Retail Up to $210 Retail |
Up to $100 Up to $210 |
| MONTHLY RATES | |
|---|---|
| Employee
Employee + Spouse Employee + Child(ren) Family |
$23.20 $46.41 $51.22 $74.41 |
Transamerica TransAccident Plan
Why take chances? TransAccident pays regardless of any other insurance you may have. Off-the-Job Accident Plan Designs underwritten by Transamerica Life Insurance.
| Benefits per covered person | Select Plan | Total Plan |
|---|---|---|
| • Accident Emergency Room Treatment
• Accident Hospital Income Benefits • Transportation • Prosthesis • Initial Hospitalization for Injury • Ambulance • Family Lodging • Physical Therapy • Accident Follow-up Treatment |
$100 $125 $90 $250 $1,000 $45 $30 $25 $25 |
$100 $200 $180 $400 $2,000 $90 $60 $40 $5 |
| Accidental Death Benefit | Select Plan | Total Plan |
|---|---|---|
|
Insured
Spouse Child • Common Carrier Insured
Spouse Child • Motor Vehicle Insured
Spouse Child • Other Accidents |
$35,000 $17,500 $3,500 $25,000 $12,500 $2,500 $15,000 $7,500 $1,500 |
$70,000 $35,000 $7,000 $50,000 $25,000 $5,000 $30,000 $15,000 $3,000 |
| Accidental Dismemberment Benefit | Select Plan | Total Plan |
|---|---|---|
|
Insured
Spouse Child • One or more fingers &/or one or more toes Insured
Spouse Child • One eye, hand, foot, arm or leg Insured
Spouse Child • Two eyes, hands or feet Insured
Spouse Child • Two arms or two legs Insured
Spouse Child • Both arms and both legs |
$750 $375 $75 $3,000 $1,500 $300 $7,500 $3,750 $750 $7,500 $3,750 $750 $15,000 $7,500 $1,500 |
$1,500 $750 $150 $6,000 $3,000 $600 $15,000 $7,500 $1,500 $15,000 $7,500 $1,500 $30,000 $15,000 $3,000 |
| MONTHLY PREMIUMS | SELECT PLAN | TOTAL PLAN |
|---|---|---|
| Employee Only | $13.13 | $22.80 |
| Employee & Spouse | $18.12 | $31.07 |
| Employee & Child | $20.85 | $35.23 |
| Employee & Family | $25.83 | $43.55 |