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The Next Generation | Limited Day Health Plans for Employers

Innovative expense-incurred plans with NO DEDUCTIBLE
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FOR THE EMPLOYER

  • Requires only a $50 employer contribution

  • Level funded with no excess claim risk and refund potential based on utilization

  • Minimum of 5 enrolled lives

  • Meets ACA “Minimum Essential Coverage” definition

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FOR THE EMPLOYEE

  • Preventative Services covered 100%

  • 60% of the cost of Major Medical

  • NO deductible

  • Low copays

  • No health questions

  • Tele-medicine with NO copay

  • Employee Assistance Plan with 5 face to face counselor visits paid for

  • 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!

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THE AFFORDABILITY CRISIS​

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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.

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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.

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EXPENSE-INCURRED LIMITED DAY PLANS INCLUDE:

  • Preventative Services 100%

  • Expense-incurred Outpatient (Limited Day)

  • Expense-incurred Hospitalization (3 Days)

  • Generic Rx

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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.

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WHAT ARE THESE PLANS
DESIGNED TO ACCOMPLISH?

  • 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.

Programs
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