Coterie Advisory Group, Inc.
Affordability-Based Medical Plans
The Next Generation | Limited Day Health Plans for Employers
Innovative expense-incurred plans with NO DEDUCTIBLE
FOR THE EMPLOYER
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Requires only a $50 employer contribution
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Level funded with no excess claim risk and refund potential based on utilization
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Minimum of 5 enrolled lives
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Meets ACA “Minimum Essential Coverage” definition
FOR THE EMPLOYEE
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Preventative Services covered 100%
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60% of the cost of Major Medical
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NO deductible
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Low copays
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No health questions
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Tele-medicine with NO copay
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Employee Assistance Plan with 5 face to face counselor visits paid for
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Wellness Benefit Plan
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!
THE AFFORDABILITY CRISIS
Millions of employees can’t afford the employee contribution on their employer-sponsored medical plan.
Many employees who can, realize that they could never come up with the $2,000 to $6,000 necessary to meet their deductible.
THE SOLUTION
Our expense-incurred plans make it easier for employees to budget for their healthcare expenses, since they simply pay a copay for covered services. Our plans take care of the rest. For employers, the plans’ built-in level-funding also means predictable costs. As a result, these plans are unlike any other health plans in the market today.
EXPENSE-INCURRED LIMITED DAY PLANS INCLUDE:
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Preventative Services 100%
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Expense-incurred Outpatient (Limited Day)
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Expense-incurred Hospitalization (3 Days)
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Generic Rx
Coterie Advisory's expense-incurred limited day 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.
These plans include more comprehensive benefits than indemnity-based limited-benefit plans. As a result, even employers that can’t offer Minimum Value Plans (MVPs) to their entire employee population will still have a valuable tool to recruit and retain high-quality employees.
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-compliant 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, retailers, staffing firms, construction companies, and security guard firms.
