Fully Insured Health Plans

  A fully-insured health plan is the more traditional way to structure an employer-sponsored health plan. With a fully-insured health plan: The company pays a fixed premium to the insurance carrier for a year based on the number of enrolled, age, gender & location of the employees on your plan each month.  


Available Insurance Carriers Include But Not Limited To The Following:

 Blue Cross Blue Shield, United Healthcare, Cigna, Aetna & Humana

Plan Highlights

Monthly Premiums

Composite or Age Rated

No Medical Underwriting

Your premiums are based upon the number of enrolled, age, gender & location of employees on your plan.      

No Medical Underwriting

Composite or Age Rated

No Medical Underwriting

Insurance carriers do not ask any medical questions of your employees.   

Composite or Age Rated

Composite or Age Rated

National / State Networks

Your premiums are either composite or age rates for your employees.     

National / State Networks

National / State Networks

National / State Networks

Groups can select from a national or regional state specific network if available to use for their plan.  

Employee Eligibility

National / State Networks

Employee Eligibility

Minimum employee eligibility is 30 hours per week. 

Group Minimum Size

National / State Networks

Employee Eligibility

In most states a minimum of 2 non-related employees required to be eligible for benefits.