Its time to Protect yourself and your Family!

Due to the COVID 19 outbreak, it is important that everyone has access to affordable Health Insurance to protect against financial hardship.
OSA has made “Open Enrollment” easy:
Step 1: Complete brief profile
Step 2: Qualify for Subsidy
Step 3: Choose your plan

Looking for personal protective equipment (PPE) and other supplies for your salon, spa or barbershop?

OSA members now have access to order PPE directly with our exclusive distribution partner, Supply Side.

Additional items will be added to this platform to help make this online ordering system a one-stop shop for all of your cleaning and infection control needs, so check back often for important updates and additional products.

If you must wear them, why not look good!

In an effort to be unique, one of a kind and to make a statement, the Ohio Salon Association through American Benefit Specialists (ABS) now can customize PPE cloth masks especially for the beauty industry!   Just imagine, your stylist(s) wearing a custom “Mask Market” PPE masks….. their customers are the first to see it, love it, WANT IT!!  In addition to custom PPE masks, we can now offer a wide variety of colorful masks to match any personality.

Important: Mask Market PPE cloth masks are 2 Ply with an Antimicrobial layer for additional protection.

This SmartUV offer is exclusively for OSA members / affiliates.  The cost includes a 15% discount on all purchases.

The SmartUV program will add an additional layer of consumer protection that each salon or barbershop can use to regain consumer confidence thus, enhance business / sales. Every participating salon or barbershop that uses the SmartUV can advertise on their door: “These premises are sterilized by UV-C and Ozone on a daily / hourly basis for your protection”.  In addition, if you can effectively market this tech to your local municipality, it could help stabilize future lock down considerations.

Policies Start at $140.00 per month for single coverage and $315.00 for family!

PHCS PPO Network: Largest network in United States
Medical: 6 plan options
100% ACA Preventative Services covered at $0 Co-pay
Physician Visits
Hospitalization: In / Out Patient Care
Surgical Benefits
Deductible (ISA) coverage available: $2,500, $5,000, $6,350
In / Out Network options available (OneShare Complete)
RX: Claims over $1,200 will be rebated at 50% up to $3,000 annually
Telemedicine: No Co-pay, Unlimited use
Per occurrence benefits: $150,000, $250,000, $500,000
$1,000,000 Lifetime coverage protection
Life Insurance Included
Two effective dates: 1st / 15th available
Supplemental Health Benefits: Dental, Accident, Critical Illness, Cancer, Medicare Supplements and Fixed Indemnity.

Policies Start at $113 per month for single coverage and $276 for family.

Not everyone is looking for an everyday health care benefit program nor can afford it. Some people are looking for a program  that focuses on the catastrophically high, devastating medical bills. OneShare  Health sharing community is here to help.

Catastrophic
Emergency Services – $300 ER Visit Fee
Telemedicine – $0 Consult Fee, Available Immediately
Deductibles or (ISA): $5,000 / $10,000 Options
Diagnostic/X-Ray/Labs: 100% after deductible or ISA is met
In/Outpatient Surgery : 100% after deductible or ISA is met
Hospitalization: 100% after deductible or ISA is met
Maximum Limit Per Incident: $150,000 / $250,000 / $500,000 Options
Lifetime Sharing Maximum: $300,000 / $500,000 / $1,000,000 Options
Policies Start at $113.44 per month for single coverage and $276.79 for family!

Short-term health plans are temporary major medical insurance coverage that can offer financial protection for medical services such as doctor office visits, precription drugs, emergency room visits, hospital stays and more. Short term medical plans can be a flexible option for individuals in an employer waiting period, between jobs, individuals who missed the open enrollment period or those who want lower-cost coverage while they decide what to do about enrolling in an Obamacare (ACA) plan.

Due to the worsening conditions of the Coronavirus outbreak, Teladoc Telemedicine / Behavioral Health Virtual Healthcare is an attractive option to seek medical consultations without the cost / travel requirements through traditional models.

 EXCITING NEWS! FREE Healthcare Access for OSA Members!

Telemedicine
Talk to a doctor 24/7 $0 Copay. Speak to a licensed doctor by phone or video.

Behavioral Health / Psychiatric Care
Talk to a board-certified therapist 7 days a week. $0 Copay.

Major Medical Second Opinion
Expert Medical Opinion from a network of board-certified Physicians. $0 Copay. Receive a second opinion on an existing diagnosis and treatment  

Back Pain Relief
Back Care $0 Copay. Relieve your back pain through guided videos with a certified health coach

Dermatology
Board Certified Physician Consultations. $0 Copay. Upload photos of your condition to the app and get a treatment plan from a dermatologist within two business days

 $26.50 Per Month / FREE Dependent Care (Max 7 under 26)

Didn’t Qualify for Cares Act?

Interested in a collateral free loan to enhance your working capital or save your business?

$150,000.00 is available now!

David Allen Capital (DAC) Inc. can help….

$10,000.00 – $1,000,000.00

In an effort to enhance our national clientele relationships, American Benefit Specialist (ABS) has partnered with David Allen Capital to provide access to working capital for its new and established clientele that otherwise go without due to the traditional banking limitations / restrictions; the three (3) C’s: Cash, Collateral and Credit.

Click below and discover how easy it will be to gain access to the uncollateralized capital traditional lenders wont or cannot provide small businesses like yours within 5 days: DAC Simple and Fast Business Loans

We work in the unique space of small and medium-sized businesses that need capital but, are unable to qualify or cannot wait for traditional lines to fund.  ABS works to get money for you while you remain focused on building your business and maimizing long term profits.

The following opportunity is for OSA member small businesses that didn’t qualify for the recent PPE program or were too late with their application:

Max Loan: $150,000
30-year term loan
Uncollateralized
3.75% interest
Minimum $250,000 annual receivables in 2019
Minimum FICO: 600
Years in business: 1+
No payments for the 1st year!

What is Income Protection?

• Most people insure their material possessions but few think to insure their most valuable asset – their ability to earn income.
• The Income Protection Direct plan provides the important extra layer of financial protection you need. The money can be used to pay unexpected medical costs or everyday living expenses.
• Applying is simple and can be completed in minutes.

Income Protection Direct At a Glance

• Pays up to a $2,500 monthly cash benefit for a physician-verified period of total disability caused by sickness or injury
• Waiver of Premium benefit included
• Benefits are paid directly to you – not your doctor or hospital
• Affordable premiums that do not increase as you get older with coverage starting at $20.07 per month1

Cash Benefits Can be Used For

• Co-pays or co-insurance
  
• Rent/mortgage
  
• Car payments
  
• Child care
  
• Everyday living expenses

Question:  How many people do you know that have declined for Life Insurance due to a pre-existing condition such as: Diabetes: I & II; Cancer; Heart Conditions; High Cholesterol or High BMI.

The $100,000 Guaranteed Issue (GI) Life Insurance through Transamerica Life is an incredible “elective” program that will provide life insurance (Final Expense) for those in need of coverage without the traditional disqualification health questions. Note, traditional guaranteed issue plans require a minimum enrollment / participation and limited life benefits: $10,000 -$25,000. That is until now.

Life Benefits Available:
Term / Universal Life
Guaranteed Issue max: $100,000: NO Health Questions
Max life available: $500,000: $101,000 + requires additional information / underwriting / MIB
Max age 75

Employers:
NO Employer Contracts
NO Minimum Participation Requirement
NO Payroll Deduction Requirement: (All plans are employee direct pay)

[see attached National MGA Insurance Alliance brochure (page 13) for life insurance policy details]

For every new client who files their taxes with H&R Block or Block Advisors, our organization will receive $20*. The amount we can earn is unlimited!

Find an office near you at hrblock.com or blockadvisors.com.

Nonprofit Referral ID – for office use only 40010001102797
ENTER NP ID INTO THE BW CLIENT TRANSACTION SCREEN

You work hard for what you earn.  Now keep more of it in your pocket.
Low 2.65% for all card present transactions (compared to 2.75%)
Free processing credit on the first $1,000 in card sales

If you pay into the Ohio Bureau of Workers’ Compensation (BWC) for workers’ compensation premiums, we have savings programs and cost containment strategies for you that are administered by our partner, CompManagement, and already a part of your member benefits with the Ohio Salon Association.

Services include:

• Workers’ Compensation: Claims administration; cost containment solutions; hearing representation; program consultation; safety services; rate & underwriting services.
• Unemployment Compensation: Claims administration and reporting; hearing representation; tax management.
• Education & Training: A variety of topics offered onsite, online or via webinar.

Take the first step needed to reduce your annual premium when you click the button below to request a free, no-obligation quote for group rating or other alternative rating/premium discount programs through our organization and let CompManagement’s experts work for you!

All OSA members/franchisees receive:
25% discount off Paychex Payroll Processing Services pricing!
An additional 25% discount off Human Resource Services setup fees!
Free W-2’s for first year of new client!

* NO Employer Contributions
* NO Payroll Deductions
* NO Minimum Enrollment Requirements
* NO SSN or ITIN Requirement
* NO Full Time Employment Status. Available to PT or 1099 Employees.

Features Included:
Routine and preventive dental care 100% covered (such as exams, cleanings, fluoride, and more.)
Basic Restorative services covered at 80% (X-Rays, fillings & extractions.)
Major Restorative Services covered at 50% (1 year wait for these services): oral surgery, inlays, onlays, veneers and more.
Deductible is $50 for Basic and Major Restorative Services
Careington Maximum Care Dental Network
Family coverage options

Hair Stylist Professional Liability Insurance is “Tax Deductible”!

Yes, as per the IRS, your employees & 1099 contractors that rent space can deduct job-related expenses like professional liability / general insurance premiums that are required for employment if not reimbursed by employer. 

Why Wait? Help Protect Your Stylists Now! Most Employers Require Hair Stylists to Carry Professional Liability Insurance. Are your employees and 1099 covered? OSA has a solution… “A” rated insurance coverage tailored for salon and spa professionals.

Elite Beauty Insurance offers coverage for over 350 beauty and wellness services for hair stylists, makeup artists, nail technicians, estheticians, and more.

Elite Beauty Society Overview
Professional & General Liability:
– $3,000,000.00 Annual
– $2,000,000.00 Per Occurrence

Additional Benefits:
– Product Damage: $2,000,000.00
– Rental Damage: $100,000.00
– Stolen Equipment: $1,000.00
– Identity Theft

The Benefits of a PEO Can Give Your Business a Competitive Advantage

Expand your employee benefits without increasing costs.
Streamline your business administration without additional overhead
Convert variable costs into fixed costs i.e.. Unemployment
Improve employee service options. One of the many advantages of a PEO is assistance with…
Reduce employee turnover. Consistent and effective employee management plays a key role in…
Reduce employer risks / liabilities
Eliminate the clutter to focus on your business.

You’ve joined thousands of professionals who agree that offering Nationwide pet insurance is a great way to demonstrate how much you value your members’ families – right down to the four-legged ones.