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A Major Medical Health Benefits Program Built for AAFD Members

The American Association of Franchisees and Dealers has partnered with First Choice Health Plan to give AAFD members and their employees access to a full lineup of major medical plans — underwritten by Benefit Re Insurance and designed around the realities of running a franchise or dealership.

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What AAFD Members Get

Every plan in the program includes a core set of protections, with different deductible and cost-sharing structures to fit different budgets and risk tolerances.

Choice of 10 Plan Designs

From HSA-qualified plans to flat-copay EPOs, AAFD members can pick the deductible and cost-sharing style that fits their business.

$0 Telemedicine

Every plan in the lineup includes $0 copay telemedicine visits through MYMDNOW.

$0 Preventive Care

Annual wellness exams, labs, and immunizations are covered at $0 copay and $0 deductible across the major medical plans.

AAFD Major Medical Plan Options

10 plan designs are available to AAFD members through the AAFD Major Medical Health Benefits Program, underwritten by Benefit Re Insurance. Compare deductibles and cost-sharing below, then view a plan summary for the full picture.

HSA-Qualified

8300 HSA

Deductible (Ind / Family)$8,300 / $16,600
Out-of-Pocket Max (Ind / Family)$8,500 / $17,000
Cost-Share Style0% coinsurance in-network after deductible

Rx: Generic maintenance and preventive drugs are $0 copay; other prescriptions apply to the deductible and coinsurance.

HSA-Qualified

3500 HSA

Deductible (Ind / Family)$3,500 / $7,000
Out-of-Pocket Max (Ind / Family)$8,500 / $17,000
Cost-Share Style30% coinsurance in-network after deductible

Rx: Generic maintenance and preventive drugs are $0 copay; other prescriptions apply to the deductible and coinsurance.

Copay Plan

4500 Copay

Deductible (Ind / Family)$4,500 / $9,000
Out-of-Pocket Max (Ind / Family)$10,600 / $21,200
Cost-Share StyleFlat copays for everyday visits, 30% coinsurance after deductible for larger claims

Rx: Flat copays from $0 for generic preventive drugs up to $200 for specialty medications.

Copay Plan

3500 Copay

Deductible (Ind / Family)$3,500 / $7,000
Out-of-Pocket Max (Ind / Family)$10,600 / $21,200
Cost-Share StyleFlat copays for everyday visits, 20% coinsurance after deductible for larger claims

Rx: Flat copays from $0 for generic preventive drugs up to $200 for specialty medications.

Value Limited – In-Network Only

1000 VL

Deductible (Ind / Family)$1,000 / $2,000
Out-of-Pocket Max (Ind / Family)$10,600 / $21,200
Cost-Share StyleFlat copays after deductible, with annual visit and admission limits

Rx: Generic preventive, urgent care, and maintenance drugs are $0 copay; brand and specialty drugs are not covered.

Value Limited, HSA-Compatible – In-Network Only

1750 VL HSA

Deductible (Ind / Family)$1,750 / $3,500
Out-of-Pocket Max (Ind / Family)$8,500 / $17,000
Cost-Share StyleFlat copays after deductible, with annual visit and admission limits

Rx: Generic preventive, urgent care, and maintenance drugs are $0 copay; brand and specialty drugs are not covered.

EPO – In-Network Only

1000 EPO

Deductible (Ind / Family)$1,000 / $2,000
Out-of-Pocket Max (Ind / Family)$10,600 / $21,200
Cost-Share StyleFlat copays after deductible, no annual visit limits

Rx: Preventive and generic prescriptions are $0 copay; brand-name and specialty drugs are not covered.

EPO, HSA-Compatible – In-Network Only

1750 HSA EPO

Deductible (Ind / Family)$1,750 / $3,500
Out-of-Pocket Max (Ind / Family)$8,500 / $17,000
Cost-Share StyleFlat copays after deductible, no annual visit limits

Rx: Preventive and generic prescriptions are $0 copay; brand-name and specialty drugs are not covered.

EPO with Enhanced Pharmacy – In-Network Only

1000 EPO Rx Plus

Deductible (Ind / Family)$1,000 / $2,000
Out-of-Pocket Max (Ind / Family)$10,600 / $21,200
Cost-Share StyleFlat copays after deductible, plus enhanced brand-name drug coverage

Rx: $0 copay for generic drugs, plus copays for preferred and non-preferred brand-name prescriptions.

EPO, HSA-Compatible, with Dental – In-Network Only

2000 HSA EPO

Deductible (Ind / Family)$2,000 / $4,000
Out-of-Pocket Max (Ind / Family)$8,500 / $17,000
Cost-Share StyleFlat copays after deductible, plus an embedded dental benefit

Rx: Preventive and generic prescriptions are $0 copay; brand-name and specialty drugs are not covered.

Get in Touch

Have questions about coverage for AAFD members? Schedule time with your dedicated advisor or send a message below.

Steven Chapkin

Steven Chapkin

Your AAFD Benefits Advisor

Schedule a 30-minute call to walk through plan options, get a quote for your business, or review full plan documentation before enrolling.

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