Other plans mass market. The Signature Group of Schaumburg, Illinois, solicits through credit card bills. Members pay the plan through a small credit card charge every month. Other plans market through credit unions, hospitals, universities, or other large employers, public or private. Not great, but for the routine legal services covered by the plan, such as wills, real estate closings, simple divorces, or criminal matters, an efficient firm can still prove profitable.
Some plans pay the law firms directly.
After performing services, the lawyer bills the plan at the agreed-upon rates. There is no collectability problem. Prepaid legal services plans make the phone ring. Many plan members need simple telephone only advice. But the benefits can far outweigh the disadvantages.