CHO
Flexible health plans designed to complement high-deductible coverage while giving clients affordable access to everyday care.
▶ Robust outpatient benefits with no-cost preventive services and low copays for doctors, specialists, urgent care, lab work, and more.
▶ Built-in telemedicine with optional dental, vision, and indemnity coverage to expand protection.
▶ Available nationwide with guaranteed issue and simple composite rates for individuals, couples, and families.
▶ A practical starting point for self-employed clients, growing businesses, and organizations seeking flexible health solutions.
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MedMutual Protect
Health coverage designed to protect clients from the serious medical events they worry about most.
▶ Specified Disease and Accident plans function more like traditional insurance, covering the full care pathway rather than a simple lump sum.
▶ Benefits can reach up to $1M per year, helping protect clients from major medical costs tied to illness or injury.
▶ Access to the First Health PPO network with strong out-of-network protection for greater provider flexibility.
▶ When paired with CHO coverage, this layer creates powerful financial protection against serious illness or injury.
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Ameristead Health
PPO plans designed for entrepreneurs and business owners, providing the scale of corporate-level coverage with the flexibility of a private plan.
▶ Nationwide PPO access through the Cigna network with simple knockout underwriting for efficient processing that minimizes administrative hurdles.
▶ Flexible network design allowing members to see specialists in or out of network without referrals.
▶ Comprehensive benefit structure including $0 telemedicine and no-cost preventive care services.
▶ Streamlined operational model featuring composite rates, six deductible options, and no minimum participation requirements.
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OneHealth
A major medical PPO health plan powered by Cigna, giving clients nationwide access and freedom to see providers in or out of network.
▶ Affordable coverage that delivers more than unsubsidized ACA plans, with access to over 1.3 million doctors and facilities.
▶ Zero-cost preventive care and telemedicine, paired with low-copay office visits, urgent care, and more, to support everyday health needs.
▶ Superior concierge-style advocacy, offering both agent and member support without requiring traditional employment.
▶ The strongest layer, providing clients the flexibility and choice they need while rounding out a complete protection strategy.
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