RFA Employee Benefits Portal
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Repairs First Association & Associates

Employee Benefits Portal
for Repair Industry Store owners and their teams.

Through an exclusive arrangement with Repairs First Association, owners and employees across the Repair Industry can join AmeriBenefit Plan for group health rates, retirement plans and member perks usually reserved for Fortune 500 companies.

Request info & book a call See what's included Join Repairs First Association
1994Advocating for American enterprise
2PPO networks: Cigna & PHCS
18+Ages eligible to join
3Membership tiers

Association membership

Membership levels

Every member joins at one of three levels. Each level has its own set of benefits, listed below. Benefits differ by level, and your membership opens the door to the group health plans further down the page.

Basic

An entry point to group health plans at minimal monthly overhead.

  • Access to group health plansThe entry point to the Cigna and PHCS PPO plans, at minimal monthly overhead
  • CareGuide medical bill negotiationCare Advocates work to reduce or erase large hospital bills and challenge overpricing
  • CareGuide care navigationHelp finding low-cost, verified providers near your zip code
  • Prescription & equipment helpLowest available medication prices and financial assistance for medical equipment
  • The TeleDentistsVirtual dentists 24/7/365, with e-prescriptions and help booking a local dentist
  • Attorney Live legal chatOn-demand legal chat
  • Pet insurance member discountsSavings on coverage for your pets

Plus

Identity monitoring, estate planning and executive security.

  • iPlanned virtual estate planningRevocable trust, living will & testament, medical and durable powers of attorney
  • Healthcare documentsHIPAA release and directive to physician
  • Secure document vault5GB storage to keep your plan and share it with loved ones
  • Allstate ID EssentialsDark-web monitoring with alerts when your personal data turns up
  • Identity monitoringNear real-time alerts to help detect threats to your identity

Preferred

Advisory, tax and protection benefits.

  • The Tax HotlineUnlimited federal tax advice from CPAs, tax attorneys and enrolled agents, plus discounted tax prep
  • Lyric Health virtual urgent care24/7 board-certified physicians by phone or video, $0 copay
  • Virtual psychiatry & psychologyLicensed providers by phone or video (consultation fee applies)
  • Telephonic counselingUnlimited, confidential sessions with master's-level counselors, no copay or fee
  • Allstate Identity Protection PremierCredit and financial account monitoring, plus up to $1M in fraud expense reimbursement
  • IdentityIQ Premium Protection3-bureau credit monitoring, budgeting tools and identity theft protection
  • TruHearing$0 hearing evaluation and 30–60% off hearing aids at 7,000+ locations
  • HUSK fitnessAbout 20% off activation fees and monthly dues at clubs nationwide
  • GoLexi pet telehealth24/7 virtual vet access plus a pet drug savings card

Retirement · powered by FuturePlan by Ascensus

Retirement plans for owners

FuturePlan serves 34,100+ plan sponsors with $102 billion+ in assets under administration.

No W-2 employees

FuturePlan OnePerson(k)

For sole proprietors, partners, single-member LLCs and S-Corps. Your spouse can participate.

  • Defer up to $24,500 for 2026, plus profit sharing up to 25% of compensation
  • Extra $8,000 catch-up at age 50+; up to $11,250 super catch-up at ages 60–63
  • Turnkey IRS document preparation
W-2 employees

Vestwell Elite PEP

A Pooled Employer Plan with institutional scale and fiduciary protection.

  • Vestwell serves as PPP and named fiduciary; Wilshire manages 3(38) fund lineups
  • American Funds, BlackRock and default T. Rowe Price target-date series
  • Offloads admin, Form 5500 filings and audit overhead

Contribution limits shown are 2026 IRS limits from FuturePlan's materials. Ask your advisor for plan costs.

Health insurance

Group health plans

Pick an Association membership level while underwriting checks which tier you fall into. Tier determines plan pricing.

Visit Limit PlanSet number of covered visitsPHCS PPO
Copay PPO PlanPredictable copays for office visitsCigna PPO
Major Medical PlanComprehensive coverageCigna PPO
HSA PlansTwo deductible optionsCigna PPO
$10K True Catastrophic PlanCatastrophic coverage. Not HSA-eligible.
Dental, Vision & LifeAdd-on coverageHumana

Plan availability and benefits vary by state and tier. Your advisor can share plan brochures and full details.

Get started

Find your fit in one conversation

  1. 1
    Fill out your request

    Tell us about you and your business. Coverage and health details are optional, but they help Michael come prepared.

  2. 2
    Book a time

    Pick a slot on Michael's calendar that works for you.

  3. 3
    Review your options

    Walk through plans, tiers and retirement options for your situation.

Your benefits advisor Michael Dade Compass Health Consultants®
mdade@chcagents.com
240-462-1767

Benefits request

RFA-—

* Required. Everything else is optional.

I am a… *
Your Repair Industry Store or company name.
I'd like to learn about

Help Michael prepare your quote (optional)

Share as much or as little as you like. The more you share, the more precise your options will be on the call. Please don't enter Social Security numbers. Those are collected securely only if you apply.

Business & address
Current coverage
Additional coverage. Would you like a quote?
Household members to be covered (start with yourself)
Doctors you want to keep
Prescriptions
Household income
Adjusted gross annual income. Used to check savings you may qualify for.

Your details go only to your benefits advisor, Michael Dade, and are used only to prepare your options.