FAQs for Brokers and Employers

General FAQs

A. The SB/A Freedom Plans use PHCS Network, one of the largest network of Hospitals, Clinics, and Physicians in the USA.

Free Market Administrators (FMA) was created with over 100 years of experience health care at the Senior Executive Level. We are committed to creating value for our broad client base of both fully insured major medical and self-funded clients. FMA continues to be a critical measure for which we have maintained the highest performance standards within the industry. FMA remains focused on not only exceeding the highest ethical standards
in the industry, while upholding the utmost integrity for our clients, but also redefining the way our clients look at the world of health care benefits.

A. The SB/A Freedom Plans reside inside of the Small Business Agency Cooperative non-profit corporation. Secondly, there are coverage caps and by purchasing only the amount of care you might anticipate over the year, you can save a lot of money on your health care coverage.

A. Enrollees evaluate the plans and select a coverage limit or “cap”. This cap represents the upper limit of care provided. Supplemental  benefits or catastrophic plans may be added for additional coverage.

A. There are no waiting periods on basic level benefits or preventative care benefits. However, extended (enhanced) inpatient/outpatient benefits have a 90 day waiting period or 10 month waiting period depending on condition.

A. There are no front-end deductibles.

A. Yes, members will have access to 24 Hr. Virtual Clinic which allows members to call and speak to a state board certified physician who will be able to triage the patient and if required, prescribe appropriate medications to be picked up at a member pharmacy.

Brokers Employers

SB/A Cooperative FAQs

A. The SB/A CoOp is a Non-Profit Agency Cooperative Corporation that does not buy or sell products or services, but acts as the legal Collective Agent of all the Cooperative Members to facilitate advantageous relationships for and between its members. The SB/A CoOp may legally aggregate small business employers together without becoming a Multiple Employer Welfare Association (MEWA) or acting as a Multiple Employer Trust (MET).

A. Business owner members pay $2.00/month.

A. The SB/A Cooperative sponsors a self-funded medical employee benefits program that is fully compliant with ERISA. ERISA supersedes the Affordable Care Act and grants an employer the ability to offer non-conforming ACA medical benefits that are more affordable, providing the employer meets specific ERISA mandated requirements – in writing, funding, and non-discriminating in-benefit levels and eligibility.

A. The SB/A Freedom Plans offer medical health benefit plans that also include the Minimum Essential Coverages (MEC) as was required under the original Affordable Care Act. This includes Preventative Care, Routine Well Care, Adult Preventative Services and Screenings, Woman Preventive Services and Screenings, Child Preventive Services and Screenings, and 100% of ACA Mandated Prescriptions such as birth control.

A. Zero deductibles, first dollar coverage, low out-of-pocket maximums, no pre-existing condition exclusions, no waiting periods*, Affordable Care Act Preventative (MEC- Minimum Essential Coverage) covered at 100%, pharmacy prescription, Virtual Clinic 24/7, dental and vision discount plan.

*Extra Enhanced Inpatient and Outpatient Benefit Provision is effective 90 days after effective date of member; Maternity Inpatient and Outpatient services are effective 10 months after the effective date.