a close circle of people with a unifying common interest or purpose.
RELATIONSHIPS AND EXPERIENCE ARE KEY
Your access to the inner circle. We live and breathe a partnership approach to business that leverages our long-term relationships in the insurance and benefits industry. Through our career experiences, we share deep expertise and knowledge of the unique needs of Part-Time and Hourly workers and leverage our best-in-class vendor partnerships to deliver quality, affordable healthcare options.
STRATEGY AND EXECUTION MATTER
A disciplined approach to understanding market and business needs. We create Affordability-Based Medical Plan Strategies. From local small businesses to large national companies in the service industry… We understand the unique challenges that companies face across the different classes of their employee populations. We provide customized Statistical Modeling Reports to help guide decision support and determine the appropriate benefit-levels and the right price-points for our potential clients' product offering.
INTEGRATED MARKET SOLUTIONS
An integrated market approach. We create the most effective ways to bring proprietary and innovative products to market across multiple channels and distribution partners for niche-classes of eligible insureds.
Small Employer Groups
Large Employer Groups
Part-Time and Hourly
Temporary and Seasonal
RELEVANT AND MEANINGFUL PRODUCTS
The needs of the market are constantly changing. We offer a nimble approach to procuring and developing proprietary products that our distribution partners and clients appreciate because they are relevant and meaningful to the needs of the marketplace -- specifically, affordability-based medical plan strategies. Our packages of consumer-centric insurance and non-insurance programs solve real-world problems, make a difference in consumers' lives, and have a track record of being market-leading and market-changing.
affordability-based medical plans uniquely designed to solve for niche and underserved needs in the marketplace
The Fundamental Care® programs are Affordability-Based Medical Plans which are designed for various niche-markets, including: small business and their employees, part-time, hourly, and seasonal employees at enterprise-level companies, independent contractors, gig-economy workers, and association members.
The affordability void in healthcare continues to be a major issue in the United States. With over 28 Million uninsured and 70% of workers living paycheck to paycheck, Fundamental Care is designed to meet the needs of the underserved, by providing access to unique and affordable health insurance benefits on a guarantee issue basis. Limited-Day and Limited-Benefit Indemnity plans can be customized and structured with affordable premiums and no deductibles. The plans are high in potential coverage and include upfront, day-one benefits – healthcare employees can actually use. Coterie Advisor's can also provide Minimal Essential Coverage (MEC) and Minimum Value Plan (MVP) options for client's needing a solution for their full-time equivalent employees.
The combined offering of the Fundamental Care plans is unique to the marketplace. Through Coterie's Affordability-Based Medical Plan Strategy, the plans not only provide needed healthcare to the insured employees but also offer companies a strategy to improve recruiting and reduce turnover by rewarding a carve-out class or more-tenured employees.
Limited-Day Health Plans
An employer-sponsored, level-funded, Limited-Day Health Plan for small employers and carve-out classes of larger employers. As a copay plan that pays at 100%, the plan limits the number of coverage days, but offers near-comprehensive coverage at 30-40% less than the cost of traditional high-deductible health plans.
Limited-Benefit Indemnity Plans
Allows large employers the ability to offer voluntary, affordable, and unique Limited-Benefit Indemnity options to their uninsured, part-time, and hourly workers. The plans provides first-dollar coverage for basic medical expenses and offers significantly more coverage than current Minimal Essential Coverage (MEC) plans.