Millions of small businesses risk losing their best people because they can’t afford the high cost of healthcare benefits.
44%
Of small businesses don’t offer health benefits due to high costs
$727
Average monthly premium for small group individual coverage
22%
Average premium increase for family coverage since 2018
The Health Difference
Our plans help small businesses compete for the best people by delivering better solutions for less money and more value.
Lower Premiums
Our plans are designed to lower healthcare costs by up to 50%
while increasing benefit utilization.
Better Solutions
$0 Virtual Care, discount prescriptions, $5 labs and $150 imaging to keep employees healthy and costs low.
Exceptional Service
Concierge-level member service and advocacy from our Personal Healthcare Navigators.
Active Cost Management
Rigorous cost management discipline reduces claim expenses to avoid or minimize premium increases.
Small Business Plan Options
Our benefit plans keep small businesses
healthy, happy, and growing strong
Convenient, essential healthcare services plus concierge-level member service and advocacy.
Learn More
All the same low-cost, convenient services of Advantage, plus ACA compliant major medical insurance with premiums 40-50% below the average small group plan.
Learn More
Our Services
We have all the services small businesses need to keep employees healthy and costs low.
Virtual Urgent &
Primary Care
-
•$0 Unlimited visits for
employee & family members. - • Doctor callback in <3 minutes.
- • Board certified doctors for 5+ years.
- • Available 24/7 in all 50 states.
- • Powered by First Stop Health.
Virtual Mental Health
-
•$0 Unlimited visits for
employee & family members. - •Doctor callback in <3 minutes.
- •Board certified doctors for 5+ years.
- •Available 24/7 in all 50 states.
- •Powered by First Stop Health.
Discount
Prescriptions
- • $0 for 134 medications and $5 for 200 common medications
- •Up to 80% off retail on all other drugs.
- •Free shipping for mail orders.
- •Choose any local pharmacy.
- •Powered by Rx Valet.
Personal Healthcare Navigators
- •Concierge-level member service and advocacy.
- •Identify cost-saving options for care with upfront pricing
- •Resolve billing and claims issues.
- • Minimize or negotiate any balance-due bills.
Discounted Labs &
Imaging
- •$5 per lab for diagnostics like blood work and cholesterol panel.
- •$150 for imaging services such as MRI, CT scan, X-rays, ultrasound, and mammogram.
-
•Powered By Affordable Labs & Imaging.
Pre-negotiated Rates for Care
- •We negotiate directly with providers and facilities to get the lowest upfront costs for care.
- •Transparent pricing includes all fees which means lower costs and no surprise bills.
- • Powered By Advantage PHC.
Keeping Premiums Low
Pro-active cost management and concierge-level service are how we deliver best-in-market value while helping to minimize or avoid annual premium increases.
Low Rate
We negotiate directly with best-in-class providers to get the lowest upfront cost for care, prescriptions, and diagnostic labs and imaging.
Reference Based
Pricing
We pay providers based on actual costs and market data plus a fair profit margin, not meaningless network discounts.
Post-billing
Review
Our post-billing team scrutinizes every bill as if it were our own. Then we work directly with providers to negotiate or reduce costs.
Personal Healthcare Navigators
-
Concierge-level Service & Advocacy
Helping our members chart a course to better health and lower costs while taking the administrative burden off employers:
Answer any benefits questions
Find the right doctors, facilities, and care
Identify $0 virtual care options
Coordinate benefits and billing before treatment
Find cost-saving options for care with upfront pricing
Resolve billing and claims issues
Minimize or negotiate any balance due bills
Get Started With A Customized Quote For Your Small Business
