Fundamental Care® offers two medical insurance options: 1) an employer-sponsored, level-funded, Limited-Day Health Plan for small employers and carve-out classes of large employers, and 2) Limited-Benefit Indemnity Plans for large employers with part-time, hourly, and seasonal employees; and for associations and affinity groups. Both are structured with affordable premiums and no deductibles. The plans are high in potential coverage and include upfront, day-one benefits -- healthcare you can actually use.
The Fundamental Care programs are designed for various niche markets, including: small business and their employees, non-benefited employees at enterprise-level companies, independent contractors, gig-economy workers, and association members. An affordability and high-deductible crisis exists in the health insurance marketplace today. Fundamental Care was designed as an affordable and alternative solution to HDHPs and minimal essential coverage (MEC).
StuLo® is a package of financial wellness benefits for employers and associations. Student loan debt has been classified a "crisis" in America with over 44 million Americans owing over $1.5 trillion in debt. Coterie is working with StuLo to provide employers and associations with a relevant and meaningful package of financial wellness benefits to help their employees, members, and their dependents. StuLo is an alternative to employer-funded repayment assistance plans. They provide concierge-level support and a turn-key approach for employers to help their employees with student loan debt, provide decision support tools and education for consumers to more fully understand and initiate a loan consolidation, income-based payment plan, or refinancing. The results can be a significant reduction in monthly payments, delay of monthly payments, or even forgiveness of some or all of the loan debt.
StuLo includes a combination of financial coaching, credit repair, and identity theft protection for all employees and is available to employers on a voluntary/low-cost basis. StuLo is available to Employers, Alumni and Trade Associations, and can be embedded with other Financial and Insurance programs. StuLo is an industry-leading financial wellness program that most importantly, will make a meaningful difference in consumers lives.