Health Insurance 2.0

"An evolution of health insurance for small businesses"


FRUSTRATED WITH HUGE DEDUCTIBLES?

TIRED OF CHANGING YOUR PLAN EVERY YEAR?

ANNOYED BY LIMITED NETWORK COVERAGE? 


CONTACT US


THE STATE OF THE MARKET

The introduction of the Affordable Care Act ("Obamacare") has had a profound effect on Small Business Group plans.  In 2019, the respected Kaiser Family Foundation summarized their findings on Employer Health Benefits:

Huge renewal increases

Between 2009 - 2019, Small Group plans saw overall premiums increase by 71%.  The prior 10 years was closer to 30%.

Out of pocket exposure

82% of Small Business employees have a plan that requires them to satisfy their deductible before their coverage kicks in.

network limitations

There are more HMO plans today than there were in 2014.  In addition, most PPO plans only provide statewide coverage, not nationwide.

limiting access to doctors

The vast majority of Group Plans for companies with 20 or fewer employees have no Telemedicine benefits.


A new solution is needed

CustomInsured's Health Insurance 2.0 plan was specifically designed to serve as the answer to many of these legacy problems.  Check out some of the unique benefits available on this plan:

  • $0 DEDUCTIBLE- pays from the first dollar, minimizing financial exposure
  • PPO ONLY NETWORKS- Nationwide access to any doctor or facility
  • STABLE RENEWALS- turnkey coverage that you can keep long term
  • CONCIERGE Dr.- on call doctor available for medical needs or advice

UPGRADE YOUR SMALL BUSINESS HEALTH PLAN

Register here for a free report on how we provide superior coverage for your small business needs.  Our customized solutions will upgrade your small business health plan.  

Health Insurance Deductibles Continue to Rise

Over the last 10 years, Health Insurance deductibles have steadily increased.  In 2010, it wasn't uncommon to find plans with deductibles between $0 - $500.  In 2020, it's much more common to find deductibles starting at $5,000 and going up as high as $20,000+ for a family.  Why is this happening?

Small Business Renewal Premiums Increase 20%

Health Insurance and insurance premiums are one of the biggest issues that small businesses deal with.  The way the market is now, Small Businesses are disproportionately affected when employees actually use their coverage.  In fact, most Small Businesses have to change their plans every year because of increases. 

Health Insurance Networks Continue to Shrink

One of the number one issues with Health Insurance and healthcare is balanced billing.  It's not uncommon to receive bills for "out of network" charges even though the facility accepted insurance.  How is it possible for someone to receive a $140,000 bill for a pinky surgery and, more importantly, how can you avoid it?

VALUABLE RESOURCES

Ever wonder how much a particular surgery costs?  Or perhaps you're unsure of the difference between a PPO and an HMO.  We have tons of resources compiled to provide you with all the answers.  

In addition, because CustomInsured's new Health Insurance 2.0 plan has a concierge doctor assigned to each company, every employee has a direct resource to help with, not only medical needs, but also to serve as an expert resource.  Think of how amazing it would be if you could call your personal doctor when you needed any type of help or advice but, didn't want to have deal with scheduling and attending a visit at an office?  Register below and we will show you how.

FIND OUT MORE

Hear for yourself


Want to know about Health Insurance 2.0 and how it came about?  Listen to our recent podcast below where we discuss the plan in more detail and give some background on how it came about. 


Health Insurance 2.0 Podcast May 2020

PRIVACY POLICY/HIPPA                                                                                                                                   AGENCY DISCLOSURE