Coterie Advisory Group, Inc.
Affordability-Based Medical Plans
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THE NEXT GENERATION
OF LIMITED-BENEFIT HEALTH PLANS.
Innovative expense-incurred plans that offer greater value, flexibility,
and a significant hospitalization benefit with NO DEDUCTIBLE.
Many employers are moving away from just bare-bones preventive benefits like MEC plans for lower-wage workers and toward coverage that provides real value while maintaining affordability. They’re also looking toward the advantages that come with self-funding, especially options that include level funding to reduce any financial risk. That’s what makes Coterie’s new expense-incurred limited benefit plans an ideal solution. Unlike the indemnity benefits that are part of many of today’s limited-benefit plans, these plans offer greater coverage with no fixed limit payments. So employees get richer benefits at premiums they can actually afford, while employers appreciate the hassle-free administration and predictable expenses.
It’s a fact. For some employees, fixed indemnity-style limited-benefit plans just don’t offer enough meaningful value.
These set payments can leave employees with thousands of dollars in expenses even for minor medical issues. That’s why Coterie is rethinking the entire concept of limited-benefit health plans. Our expense-incurred plans make it easier for employees to budget for their healthcare expenses since they simply pay a copay for many covered services and our plans are built with NO DEDUCTIBLES. Then our plans take care of the rest. For employers, the plans’ built-in level-funding also means more predictable costs as well. As a result, these plans are unlike any other limited-benefit health plans in the market today.
Better benefits thanks to unique self-funded plan designs. Coterie’s expense-incurred limited-benefit plans are ideal for small groups who can’t afford major medical coverage for employees or even large, national organizations that need a solution for hourly workers. We have developed a unique package of self-insured, expense-incurred limited benefit plans that cover doctor’s visits, labs, x-rays, ER visits, hospitalization and many of the common, everyday health services used most by employees.
WHAT IS LEVEL FUNDING?
Level funding allows small employers to enjoy the cost savings and refund potential of self-funding a health plan with no risk from large claims.
Twelve level monthly payments each year covers all the costs for your plan. The only risk is not earning a refund at the end of the year!
WHAT ARE THESE PLANS
DESIGNED TO ACCOMPLISH?
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Give large employers, including those that offer MVPs to full-time employees, a solution for their part-time, seasonal and temporary workers.
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Meet the needs of smaller employers that cannot afford to offer their workers an ACA-complaint MVP.
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Give employees the freedom to choose the types of benefits that meet their needs and budget.
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Provide an affordable solution that is ideal for industries like restaurants, national retailers, staffing firms, construction companies, security guard firms and unions.
Underwriting Guidelines
Up to 200 (non-waivered) eligible employees
$50 employer contribution -
15% participation with a
minimum of 5 enrolled
200+ - 500 (non-waivered) eligible employees
Rates vary by participation percentage, minimum participation 10%
500+ (non-waivered)
eligible employees
Rates vary by participation percentage, minimum participation 50 enrolled
Associations
An organization of people with a common purpose and having a formal structure.
The Association for Better Health is a non-profit association dedicated to helping individuals improve their overall well being through health and financial related wellness initiatives. Individuals continue to struggle with finding the right and affordable healthcare options for themselves and their families. Through an exclusive marketing agreement with the ABH, Coterie Advisors is working with industry-leading insurance carriers and benefit providers to create a package of benefits that will help individuals and their families. ABH's ability to offer their members access to affordable healthcare coverage will help them to compete in the marketplace, but more importantly, will provide their members with access to a level of benefits that they can afford and deserve.
The Service Industry Trade Alliance is a non-profit association dedicated to helping small businesses succeed. Small employers in service-related industries continue to struggle with offering affordable healthcare options to their employees. Through an exclusive marketing agreement with SITA, Coterie Advisors is working with industry-leading insurance carriers and benefit providers to create a package of benefits that will help small business and their employees. SITA's ability to offer their member companies access to affordable healthcare coverage with help them to compete in the marketplace, but more importantly, will provide their employees with access to a level of benefits that they can afford and deserve.
The National Association of Financial Industry Professionals is a non-profit association dedicated to helping Americans working in financial industries, often as Independent Contractors, improve their overall well being through health and financial related wellness initiatives. Independent Contractors (1099’ers) continue to struggle with finding access to affordable healthcare options for themselves and their families. Through an exclusive marketing agreement with the NAFIP, Coterie Advisors works with industry-leading insurance carriers and benefit providers to create a package of benefits that will help financial professionals and their families. NAFIP's ability to offer their members affordable coverage will provide their members with access to a level of benefits that they can afford and deserve.
