Health Insurance

Yes; immediate family members (i.e. spouses and dependents) and W-2 employees are eligible as well.

No, as product availability, rates, and eligibility vary by state, size, and insurance companies' guidelines.

Your policy will stay in effect through its contracted end date with the insurance company. You will need to renew your membership to apply for a new policy.

There are options available in 38 states. Product availability, rates, and eligibility vary by state, individual circumstances, and insurance companies’ guidelines. Membership does not guarantee eligibility for insurance policies. There are no unique and exclusive options available in Alaska, California, Connecticut, Hawaii, Massachusetts, Maine, New Hampshire, New Jersey, New York, Rhode Island, Vermont, and Washington, as these states limit their options to solely employer sponsored groups and individual ACA/Obamacare policies.

PPO, or Preferred Provider Organizations, to allow freedom and flexibility when choosing physicians, hospitals, etc.

Yes (choices of deductibles, out of pocket maximums, benefit maximums, etc.).

A+ rated carriers and networks such as, but not limited to, United Healthcare PPO, Aetna PPO, BCBS PPO, Cigna PPO, etc.

Dental, vision, disability, life, accident, telemedicine, and more.

Unique plan designs, buying power, and hands-on service.

Yes, payments are made directly to the insurance providers.

It will depend on the policy’s terms and conditions.

Typically, you will need to wait until either your employer’s, or spouse’s employer’s, open enrollment period, or experience a qualifying event (birth/adoption of a child, change in employer, divorce, etc.).

On a related note, if you are enrolled in an ACA (on or off the marketplace) individual policy, you can switch to a policy through this program at any time during the year, providing you are eligible based on the underwriting guidelines of the insurance companies, and are not receiving financial assistance either through Medicaid or an Obamacare subsidy.

No.