HEALTHCARE YOU CAN
ACTUALLY USE
Health insurance is expensive. High-deductibles create a personal financial burden and can leave some employees functionally uninsured. Fundamental Care was designed as an alternative solution. The plans are high in potential coverage and include upfront, day-one benefits -- healthcare you can actually use.
Plan A
An employer-sponsored, level-funded, Limited-Day Health Plan for small employers and carve-out classes of larger employers. As a copay plan that pays at 100%, the plan limits the number of coverage days, but offers near-comprehensive coverage at 30-40% less than the cost of traditional high-deductible health plans.
Level-funded
Employer-sponsored requires 50% contribution
ACA qualified MEC & MVP plans
Copay plan with no deductible and 100% coverage
Preventative, outpatient, inpatient, and prescription benefits
Benefits are limited by days – no dollar amount limits
Level funded with stop-loss insurance for excess claim risk protection and refund potential based on utilization
Plan B
Allows employers the ability to offer voluntary and affordable options to their uninsured, parttime, and hourly workers. The plans provides coverage for basic medical expenses and offers significantly more coverage than current Minimal Essential Coverage (MEC) plans.
Fully-Insured
No Employer Contribution Required – Voluntary or Contributory
Available with and without ACA qualified MEC Plan
Fixed-Indemnity benefit for first dollar coverage
Preventative, outpatient, inpatient, and prescription benefits
Benefits are limited by dollar amounts
$10 Prepay for Doctor Visits & $0 Copay for Telehealth
EMPLOYER GROUP BENEFIT BUNDLES
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Bundle A
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Bundle C
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Looking for Something
More Custom?
Every company is different. With many plans available, let us learn about you and your team so we can help build a custom plan with benefits your team needs. Let us do what we do best, so you can stay focused on what you do best.
Looking for Something Different?
Check out a few examples of Level Funded Plan options. A variety of plan designs are available depending on your needs. Contact us to hear about other options.
Level Funded Plan A
A low deductible plan with 90% coinsurance. Preventative care is covered 100% with no deductible. Emergency services have a $250 copay, waived if the patient is admitted. Prescription drug copays start at $10 for generic and top out at $150 for Specialty Drugs
Level Funded Plan B
A higher deductible plan with 90% coinsurance. Preventative care is covered 100% with no deductible. Emergency services have a $250 copay, waived if the patient is admitted. Prescription drug copays start at $10 for generic and top out at $150 for Specialty Drugs
Level Funded Plan C
A low deductible, no coinsurance plan. Preventative care is covered 100% with no deductible. Emergency services have a $250 copay, waived if the patient is admitted. Prescription drug copays start at $10 for generic and top out at $150 for Specialty Drugs
What exactly is a
The Fundamental Care Plan?
The Fundamental Care Plan is simply an affordability-based benefit option for small-to-midsize businesses. For the Employer it provides easy administration with an online enrollment platform, competitive rates. Options include ACA qualified MEC plans or voluntary, no employer contribution plans. These are affordable for the employee, providing fixed dollar benefits for covered services and $0 copay telehealth options.
How does it work?
Fundamental Care plans are fully-insured, fixed indemnity benefits offered through the Texas-based Unified Employer Trust program. Group Limited Indemnity insurance pays a fixed benefit amount for a limited number of days when an insured incurs certain medical expenses though it is NOT major medical insurance.
What does the Fundamental Care program cover?
The program packages Group Limited Indemnity insurance* with a robust bundle of non-insurance products to provide select benefits and services, such as
- Inpatient hospitalization
- Surgeries
- Lab, x-ray and diagnostic testing
- Visits to the ER for sickness, as well as physician’s office/urgent care
- Accident coverage
- Prescription copays**
- Telemedicine, EAP, Term Life, and PPO discounts included**
What other benefits are available?
The program packages Group Limited Indemnity insurance* with a robust bundle of non-insurance products to provide select benefits and services, such as
- GLI Dental & Vision Riders*
- GLI Total Disability Rider*
- Minimal Essential Coverage***
Who can enroll?
To enroll you must be between 18 and 69 years of age and actively at work at least 15 hours per week.
*Group Limited Indemnity Insurance is underwritten by Beazley Insurance Company, Inc., 30 Batterson Park Road, Farmington, Connecticut, 06032. The Group Limited Indemnity coverage is not major medical coverage, but rather a limited benefit product which pays a fixed benefit amount.
**These are non-insurance products and services that not offered or underwritten by Beazley.
***MEC plan is not offered or underwritten by Beazley Insurance Company, Inc.