Our Plans
Small Group Target Markets
A true alternative to community rated health insurance options for small business owners. For companies under 50 employees, we are one of the few competitive options available.
Our Plans
Small Business Highlights
Easy to Get a Quote
National PPO Networks
Affordable Premiums
Competitive Plan Designs
Reduced Administration
100% ACA & ERISA Compliant
8 Deductible Options
Exclusive and Proprietary
Small Group Target Markets
What to know
We are not a silver bullet when it comes to this space. We are simply a much different option groups have not seen. We underwrite every group, but for those who pass, we all win.
Competitive option to the community rated small group market in each state.
Only requires a Dependent-Level Census to quote a group.
Typical groups who qualify experience 10-40% savings.
Embedded telemedicine, virtual primary care, and at-home testing kits.
Both National Cigna PPO and PHCS RBP network options. With more on their way.
Quotes typically take 2-4 business days to come back from underwriting.
White glove enrollment available for 1-2-1 meetings with each employee.
Stand-alone ben-admin available for each client to simplify enrollment.
Invoicing, billing and administration is streamlined for each client.
Zero participation requirements for Employers regardless of their size.
Target Markets
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Companies coming off of a PEO
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Multi-state and multi-entity employers
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Franchise Groups
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Mom & Pop Businesses
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Highly compensated 1099 contractors
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Companies with low benefits participation
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National Networks
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Coverage In All 50 States
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Cigna PPO Option
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PHCS RBP Option
Our Plan
Overview
It is an important distinction to understand that OneHealth underwrites each prospective policyholder. We do not do this so we can exclude as many potential participants as possible. We do this so we can accurately price our solution, which still tends to be the most competitive option.
The typical client who is looking to purchase our plan is willing to wait an extra day to ensure they are covered with the best option.
National PPO network available with more than 1.3 million healthcare providers
Service matters, so does our proactive dedicated claims support for large claims
Our plans typically deliver 20-40% savings compared to ACA marketplace options.
Available in all 50 States with 8 deductible options to choose from.
The same level & depth of coverage one would see in a Fortune 500 Company.
Applying typically takes 3-5 minutes, with dedicated enrollment support available.
OneHealth is a Health Plan, not Health Insurance. It is an important distinction.
According to the Affordable Care Act (ACA), health insurance is defined as “coverage under a policy issued by a health insurance issuer that provides for the payment of medical expenses".
OneHealth is not an insurer. Our plans are actually governed by ERISA, not the Department of Insurance, which is an important distinction.
PPO Network
Learn More About Our Cigna PPO Network
With over 7 years of experience managing this program, OneHealth has built a reputation for reliability and consistency. Our proven track record ensures that clients can trust us to deliver dependable health plan solutions year after year.
Extensive Provider Network
Policyholders have access to over 1.3 million healthcare providers nationwide, ensuring broad and flexible care options.
High-Quality Ratings
Cigna's PPO network consistently earns top ratings for quality and reliability, providing trusted care through top professionals.
Comprehensive Care
Enjoy the freedom to choose from a wide range of specialists and providers without the need for referrals.
Cost Efficiency
Benefit from negotiated, lower-cost care options while maintaining access to top-tier providers across the nation.
Out-of-Network Coverage
Flexibility to see out-of-network providers while still receiving some coverage, giving more control over healthcare decisions.
Cigna Network
Validity
Quotes are valid for 60 days from the date the quote is sent to the agent.
Indicate
We are unable to detail or indicate why someone was declined to quote.
Second Look
If someone is declined to quote, we are unable to take a second look.
underwriting
We Underwrite
Underwriting can often seem like a mystery, but here are some key things to understand about our underwriting process:
- Providing false information or omitting details during underwriting can result in denied coverage for certain conditions or medications.
- Insurers rely on accurate information to assess risk and set premiums.
- Misrepresentation may lead to exclusions for undisclosed conditions, especially if deemed pre-existing.
- Full disclosure ensures comprehensive coverage and avoids complications once the plan is active.
Health Product Breakdown
Competitive advantage
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We specialize in leveraging major carriers to offer national PPO networks.
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We deliver a premium, reliable service and health plan to our customers.
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We're transparent about how our plans work and how to use them effectively.
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Our plans are available in all 50 states, with no exceptions or hidden conditions.
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We invest significantly in our broker partners, because your success drives our success.
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They use networks that, despite being large, are not widely recognized by consumers.
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Their plans are complex, requiring the insured to navigate hurdles for major claims.
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They focus on low-cost plans aimed at budget-conscious consumers.
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They offer little to no support or resources for their agents to grow.
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Their plans come with restrictions on where and what they can sell.
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