NRCA National Health Care Program
NRCA is proud to offer members the NRCA National Health Care Program, a captive
health care benefits program, and to announce some exciting changes. Effective Jan.
1, 2013, the program will expand to offer two provider networks. NRCA members will
be able to choose from the national CIGNA provider network or the national Aetna
provider network. This will give members buying power by being able to choose the
program with the best local network, coverage options and, importantly, premium
options. In addition, the program will now offer more robust dental, life and disability
The program is for NRCA member organizations of all sizes; 70 NRCA members and the
NRCA staff have joined the program, and nearly all have renewed for 2013.
If you have one employee or more than 1,000, the NRCA National Health Care Program
is for you!
The program is brought to you through NRCA's partnership with The Association Benefits
Solution, which is part of the GMAC Insurance family of businesses, an A- rated
(AM Best) carrier. The owners of GMAC Insurance have a long history of success with
multiple public insurance and financial services companies and have the committed
resources and expertise to be able to make this the program one that will fulfill
your needs. GMAC Insurance purchased this program from its previous owner, The Coca-Cola
Bottlers' Association, Sept. 1, 2012.
Aetna and CIGNA offer Preferred Provider Organization (PPO) programs along with
superior wellness and care management options. They are the two highest-rated carriers
in the U.S. by health care professionals. The program gives NRCA members flexibility
to develop their own eligibility rules and cost-sharing arrangements with their
With health insurance premiums and health care costs continually rising and health
care reform continuing to take its course, it is worth taking a serious look at
this NRCA-sponsored program.
Request a quote
To request a quote, please follow these steps:
- Click here to download the Employer Data Request
form. (Excel file)
- Complete the form, including all five tabs found at the bottom of the file.
- When you have completed the form, please e-mail the file to Rafik Tawadrous, plan
consultant, at email@example.com
and Jeff Crumrine, plan consultant, at
firstname.lastname@example.org. If possible, complete and send this form
in the existing Excel format because the form is designed for rapid input into GMAC
Insurance's underwriting model. Note: Copies of plan documents and invoices may
be faxed or sent via PDF or image.
You should receive a quote within one week of receipt of your census, plan design
and current cost information.
If you have questions, please contact Tom Shanahan, NRCA's associate executive director
of risk management, at email@example.com
or (800) 323-9545, ext. 7538 or Jeff Crumrine at GMAC Insurance at
This health care program differs from traditional guaranteed-cost health
insurance because it is part of a captive insurance program. As such, it can offer
unique savings but also has unique, though minimal, risk associated with it. Please
consult with GMAC Insurance or NRCA staff if you have any questions. Roofing companies
with 10 or more employees will be quoted from within the GMAC Insurance captive
program, and those with fewer than 10 employees may be quoted outside of the captive.
Optimal pricing and coverage for organizations with one to 10 employees always is
a challenge, and NRCA is committed to offering members competitive health care options,
such as individual coverage in some cases. If your company is small (fewer than
10 full-time employees), please contact Jeff Crumrine at
for more information.