From the 2026 Summer Journal of the Colorado Dental Association, By Molly Pereira, CDA Executive Director
Healthcare options for sole proprietors/employers, employees and 1099 contractors
Finding quality, affordable healthcare benefits has become increasingly difficult for sole proprietors, small business employees, and 1099 contractors, especially within the dental profession, where many practices operate independently or with small teams.
To help address this challenge, the CDA is pleased to offer members access to a new healthcare benefit utilizing a national PPO network.
This new exclusive member benefit is in partnership with the Association of United Members and managed by CapCare. As a member of CDA, you will have the opportunity to participate in this program by becoming a Core Financial Member of the Amalgamated Local Union 426, which provides access to healthcare-related benefits that include medical, prescription and supplemental products.
This new member benefit is designed to support dentists, dental team members and independent contractors who may not have access to large-group healthcare plans. Through this program, members can explore healthcare solutions that provide flexibility, competitive pricing and personalized support.
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Members can enroll THE FIRST DAY OF ANY MONTH with open enrollment. |
Benefit Highlights:
- ACA-compliant health benefits available. (Includes all 10 “essential benefits” in ACA guidelines)
- Fully funded, first-dollar coverage
- Coverage cannot be denied.(No pre-existing limitations)
- 10 plan options available
- Large group rates
- In-network coverage in all 50 states, plus DC & Puerto Rico
- No age rating—4 tier rates (nationwide)
- Concierge access and support
- Deductible options range from $0 to $4,000
- 50% to 100% coinsurance options
- Multiple office-visit copay options
- Access to large, national networks, with discounts for using in-network providers
- 100% preventative benefit coverage available
- Doctor, specialist and urgent care copays
- X-ray and lab benefits
Addressing a Growing Need in Dentistry
Many dental professionals fall into coverage gaps that traditional insurance models do not serve well. Practice owners often face rising premium costs for small-group plans, while independent contractors and self-employed professionals may struggle to find coverage that fits both their healthcare needs and budget.
In addition to patient care, dental professionals must navigate the realities of running and staffing a business. Competitive healthcare benefits can make a meaningful difference when attracting and retaining talented employees in today’s workforce environment.
Access to affordable healthcare is one of the biggest concerns we hear from members. This benefit gives our members additional options and resources to help them make informed healthcare decisions for themselves, their families, and their teams.
Learn More
For additional information or to get a benefit quote, and to take advantage of this new opportunity, please contact a dedicated Program Member Benefit Representative at 833-287-4765 or capcareenrollment@concordmgt.com.
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Details Better Explained CDA members can access these healthcare benefits by becoming a Core Financial Member of the Amalgamated Local 426. What is a Core Financial Member program? Core Financial Member programs came into existence in the 1980s as unions needed a way to give the apprentices working in union shops the ability to receive benefits. These programs afforded these associate members the opportunity to participate in various union programs and benefits including healthcare coverage, dental and vision insurance, life insurance, disability, accident, 401K programs and others depending on the overall benefits of each individual union. What is Amalgamated Local Union 426? Amalgamated Local Union 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. It is NOT an employer sponsored health plan, rather it is a member benefit that is offered through a designated affiliated association or organization. Amalgamated Local 426 is the Sponsoring Union for CapCare Affiliated Associations. What is CapCare? CapCare is the program manager of this benefit. It was founded to provide a single-source, turn-key employee healthcare solution to businesses seeking innovative alternative risk management solutions for their employee healthcare programs. It helps organizations seeking alternatives to the traditional health insurance marketplace. What network of providers does the enrolled member 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. |
