Healthcare Member Benefit Program
Amalgamated Local 426
Member Benefit Program
This comprehensive health benefits program provides customized healthcare support, access to a national provider network, and large group rates for members and businesses.
Contact a representative at capcareenrollment@concordmgt.com
or 833-287-4765.
Click Members Only > New Healthcare Member Benefit Program
About the Program
Amalgamated Local 426 Member Benefit Program is not an insurance program and is not marketed or sold in the commercial market or through brokers. The Local 426 program is an invite only, exclusive program, NOT an employer sponsored health plan rather a member benefit that is offered through Louisiana REALTORS®
an affiliated association. Participants are accessing these member benefits by becoming an Associate member of the Amalgamated Local 426.
Amalgamated Local 426 accesses these member benefits through a Sponsoring Union, Amalgamated Local 298 and Amalgamated Local 22.
Program Highlights
- National PPO Network In-Network coverage in all 50 states, plus DC & Puerto Rico
- Fully funded, first dollar coverage
- 4 tier rates nationwide - No age rating, no census needed subject to actively at work rules.
- Participants benefit from large group rates nationwide.
- Available to all group sizes, including sole proprietors and 1099 contractors.
- Coverage cannot be denied (no pre-existing limitations)
- Account information, customer service support with the click of a button through a dedicated concierge team
Frequently Asked Questions
What is the Member Benefit Program?
The Member Benefit Program is an invitation only program available to approved Associations, PEOs and other dually authorized membership organizations. The Program offers membership related benefits that include life insurance, accident, and health benefits as well as prescription benefits.
Who is eligible to participate in the Member Benefit Program?
Individual Members and/or Employer Members that are active members of an approved Affiliated Association, PEO, or such other dually authorized Membership Organization. Members can enroll themselves including a spouse and/or dependent children.
Is the Member Benefit Program a small group or individual insurance plan?
No. The Member Benefit Program is NOT a small group or individual insurance plan. The Member Benefit Program is an opportunity for Associate Memberships to be offered to qualified individual members and/or employees and thus, if they choose to join will have access to the member benefits programprovided to an eligible employer or member through an employer or member’s Affiliated Association membership.
What is an Associate Member Program?
Associate Member programs came into existence in the 1980’s as unions needed a way to give the apprentices working in union shops the ability to receive benefits. As such, unions adopted these programs with the hope that the apprentices would at some point become full union members. These programs afforded these associate members the opportunity to participate in various union programs and benefits including health care coverage, dental and vision insurance, life insurance, disability, accident 401K programs and others depending on the overall benefits of each individual union.
What Union is providing the option to participate in the Associate Membership opportunity?
Amalgamated Local 426 is the Sponsoring Union for Affiliated Associations. Local 426 accesses the Health & Welfare Funds of Local 298 and Local 22. Local 426 is the Union that is providing the Associate membership opportunity to the association affiliated members. Local 298 has been in existence since 1951 with headquarters in Valley Stream, NY. Local 22, was founded in 1930 and is in New York, NY. This Plan option is a Taft Hartley Health and Welfare Benefit Plan.
Who becomes an Associate Member? The Employer or the Employee?
The Employee becomes the Associate Member. The Member Benefits Program is not an employer sponsored plan, to gain access to the benefits offered, an employee/member (participant) must become an Associate Member of the Member Benefit Program Sponsor, Amalgamated Local 426 to be eligible for benefits.
What network of Providers does the enrolled Member Participants have access to?
The Plan Administrator has entered into an agreement with one or more networks of hospitals and physicians, called “PPO Networks.” These PPO networks offer participants healthcare services at discounted rates. In Network Services for PPO providers are paid at 100% of the fee schedule contracted by Blue Cross Blue Shield with their participating providers.
What is the eligibility criteria for an employee/independent contractor member to enroll in the Member Benefit Program?
An employee/independent contractor member is eligible to participate if they are actively employed/working for an employer and or member that is a member of an Affiliated Association. The Employer must also pay the contributions on the employee/members’ behalf. If enrolling as an Independent contractor, you must provide a copy of your 1099 and or Independent Contractor agreement.
What are the eligibility criteria for a sole proprietor to enroll in the Member Benefit Program?
Sole Proprietor must provide documentation showing legal formation and/or tax records and validate that they are actively working for that entity.
Louisiana REALTORS® is providing the information and materials relating to the Healthcare Member Benefit Program that have been produced and created by CapCare solely for informational purposes to its members. The information and materials provided, and the opportunity to participate in the Healthcare Member Benefit Program described therein, shall not be deemed or implied to constitute any endorsement, guarantee or other representation, whether implied or statutory, of the accuracy, reliability, completeness or sufficiency of such information and materials. Further, Louisiana REALTORS® shall not be deemed to have made any representation or warranty as to the quality of services described in the materials. Louisiana REALTORS® is not involved in the management or operation of the Healthcare Member Benefit Program in any way. To the extent you elect to participate in the Healthcare Member Benefit Program as described in such materials provided by CapCare, you will be confirming and acknowledging to Louisiana REALTORS® that you have conducted to your satisfaction an independent investigation of the financial condition , operations, assets, liabilities and properties of CapCare and the Healthcare Member Benefit Program, including, without limitation, a review of the materials and other information that have been provided relating thereto and that you have not relied upon any statement, representation or warranty by Louisiana REALTORS® regarding CapCare or the Healthcare Member Benefit Program.
