Minimum essential coverage (MEC) — 74 preventative tests and screenings per CMS guidelines, with and without stop-loss protection, standalone or bundled options
Minimum value plans (MVP) — guaranteed issue, 60% actuarial certification
Supplemental GAP plans — level-funded with stop-loss protection, requires 50 employer-funded participants, HSA and non-HSA compatible
Level-funded prescription drug plans — unused claims dollars go back to the employer, generic only or brand/generic plans
Small group level-funded medical plans — Top compensation, 10 enrolled lives and up, PPO (Cigna) or reference-based pricing (RBP) networks
Large group administrative services only (ASO) — multiple stop-loss underwriters, choice of networks, no case setup fees
We also offer fully insured programs in a variety of options, including employer funded, with very favorable participation requirements. We are committed to helping you build proposals that meet your clients’ needs.
Limited medical indemnity — standalone “mini-med” plan, low participation requirements, inpatient and outpatient benefits, no pre-existing conditions
Hospital indemnity — available with or without a related medical plan, guaranteed issue with no pre-existing conditions, HSA compatible
Supplemental GAP — HSA compatible, voluntary or employer paid
Dental — No minimum participation, no waiting periods on initial open enrollment
Vision — No minimum participation, no waiting periods
Accident — Expense incurred up to policy limit
Critical illness — Sold standalone or bundled, guaranteed issue
Prescription drug plans — Sold standalone or bundled, guaranteed issue
