For small businesses and self-employed individuals and their families, dealing with health insurance typically scores as one of the biggest headaches.  For small businesses in particular, group health plans are typically not a good match.  For starters there are minimum requirements in order to be able to participate in a plan including:  minimum enrollment numbers, minimum participation rate and minimum contribution rate.  Even for those small businesses that can meet all the criteria, there are still ongoing headaches including:  high deductibles, high premiums, annual plan changes (because of premium increases) and disproportionate exposure to premium increases as a result of claims.  Think about it- if a business has 5 employees covered on their plan and just one of those employees has medical usage throughout the year, that represents 20% of the total pool, which leads to premium increases.  Contrast that with a larger company with thousands or tens of thousands of employees.  Their pools are so large they can easily balance out the medical usage each year, providing them with stable renewal premiums.

For self-employed professionals, the options are even more limited. While the introduction of the Affordable Care Act ("Obamacare") did provide coverage options to many that fall into this category, unless qualifying for a subsidy, much like group plans for small businesses, many find that these policies are sub-par because premiums are too high, deductibles are too high, networks are limited (many states are HMO only) and plans often change every year. Ostensibly, there are other options available for these professionals but, those options have a sketchy track record at best, including medical sharing and short-term medical plans.

GROUP HEALTH-LIKE COVERAGE FOR SMALL BUSINESSES

& SELF EMPLOYED PROFESSIONALS 

After working as field agents for several years, the founders of CustomInsured began to recognize that these markets were drastically underserved.  As a result, in 2017 CustomInsured was born with the stated purpose of creating customized health insurance plans for small businesses and self-employed individuals.  Over the years, these customized plans have evolved into a new level of group health-like benefits called Health Insurance 2.0.  The idea with these Health Insurance 2.0 plans is to offer cost-effective coverage that eliminates many of the traditional issues these professionals faced.  CustomInsured has been able to design plans offering nationwide PPO networks, low deductibles and many benefit options unavailable on even traditional group plans.  Some of the integrated benefits that CustomInsured has pioneered with these Health Insurance 2.0 plans include:  access to HealthCare Bluebook and a concierge medical billing specialist to set up coverage with doctors and review and address any inaccurate medical claims.  In addition, because these plans are based on the concept of customization, CustomInsured is able to constantly adapt their to constantly improve the benefits.

HEALTH INSURANCE 2.0 BENEFITS

*HISTORICALY STABLE RENEWAL PREMIUMS*

*INTEGRATED MEDICAL BILLING SPECIALIST*

*CONCIERGE CLAIMS ASSISTANCE*

*NATIONWIDE PPO NETWORKS*

*LOW OR NO DEDUCTIBLE*

One of the most redeeming qualities of CustomInsured as a company is their drive to provide not only superior benefits but, also the tools and resources necessary to get the most out of your coverage.  From their no obligation, up front pricing to their published Patient Advocacy Navigator, CustomInsured's clients can't be happier about their benefits.  In fact, many years-old clients have maintained their plans year in and year out.  

Check out their site below to learn more about the plans and receive a complimentary pricing quote.