National Consumers Benefits Association

Overview

The National Consumer Benefits Association (“NCBA”) healthcare offering is made up of 3 different components that can provide a complete healthcare coverage plan, as well as, additional optional benefits.  The components include offerings from -

  • Apex Management Group (Component 1)
  • Sedera Health Medical Cost Sharing (Component 2)
  • Transamerica (Component 3)

These plans are available through membership in the NCBA to

  • Small Groups (as long as the employer joins the NCBA a group can be as small as one (1) employee)
  • Self Employed and 1099 individuals

The NCBA member has the ability to pair (“choose”) the benefits that best fit their healthcare needs and budget. A member must purchase an Apex Management Group plan before they can add on additional services from Sedera and Transamerica.  The initial Apex product purchase also includes an individual’s membership in the NCBA.

Apex products, when paired ("combined") with Sedera Health Medical Cost Sharing and Transamerica products will provide a very comprehensive health plan solution at substantially less cost than a conventional group health insurance plan.

The possible pairing options are:

  • An Apex product only
  • Apex and Sedera
  • Apex, Sedera, and Transamerica
  • Apex and Transamerica

No matter what plan(s) a members chooses, all products are conveniently and efficiently administered on one platform. One plan document covers all three options delivered through the NCBA platform.

The pricing and health care coverage for each of the 3 NCBA components are below. Further details are also available in the Consumer Proposal in the Document section. Also, a complete webinar detailing the NCBA Offering ("The Waiting is Over") is available under the Training tab.

 

Apex HDHP Basic MEC and Advantage Plan
For Basic Health Care Needs (Required Purchase)
HMA Solution
For Catastrophic and Unforeseen Health Care Needs (Optional Purchase)
Sedera Health Medical Cost Sharing
For Other Unexpected Needs (Optional Purchase)