Our Plans
Individual Target Markets
Some Business Owners either do not offer benefits to their employees, or are a sole-proprietor. This is our most unique and truly a one-of-a kind offering. Their typical only option for coverage is the ACA Marketplace in their state, and we are an alternative option they should be looking at! We make this entire process easy and streamlined for both our brokers, and their clients.
Our Plans
Groups Of One
Here at OneHealth, we typically refer to our Individual Solutions as a Group of One.
Sole Proprietors
Board Members & Advisors
1099 Income Recipients
Business Owners
Independent Contractors
Gig Workers
LLC Owners
Alternative to the ACA Marketplace
Key Points
We are a premier alternative to the ACA Marketplace for those looking for quality coverage that happens to also be affordable. Most Brokers, Agents, and Advisors show their clients all the same options. We now allow you to differentiate your business and show something new, with likely a better price tag!
Plans are owned by a single individual, but still offered on a group basis and rate.
A quick 2 to 5 minute application and you are on your way to qualifying for our plan.
Custom landing pages for each broker to guide prospects to get a quote.
Self-service quoting system for prospects to get a quote and sign up.
Both National Cigna PPO and PHCS RBP network options.
8 deductible options ranging from the 1,000 Classic up to a 7,350 Value.
The same level & depth of coverage one would see in a Fortune 500 Company.
Quotes take 2-3 days to come back from underwriting.
Individual Target Markets
We all know a Group of one
-
Carpenters
-
Landscapers
-
Painters
-
Roofers
-
Electricians
-
HVAC
-
Masons
-
Metalworkers
-
Window Installers
-
Flooring Installers
-
Realtors
-
Mortgage Advisors
-
Investors
-
Appraisers
-
Flippers
-
Property Inspectors
-
Property Managers
-
Staging Professionals
-
Traveling Nurses
-
CRNA's
-
Chiropractors
-
TeleHealth Practitioners
-
Nutrition Coaches
-
Clinical Researchers
-
PRN Nurses
-
Owner Operators
-
Delivery Drivers
-
Limo & Taxi Drivers
-
Ride Share Drivers
-
Courier Service
-
Freight Brokers
-
Artists
-
Writers
-
Producers
-
Animators
-
Photographers
-
Actors
-
Filmmakers
-
Theater Professionals
-
Audio Techs
-
Screenwriters
-
Music Producers
-
Hairstylists
-
Fitness Trainers
-
Coaches
-
Massage Therapists
-
Personal Stylists
-
Makeup Artists
-
Nail Technicians
-
Yoga Instructors
-
Personal Chefs
-
Influencers
-
Podcasters
-
Copywriters
-
Web Designers
-
PR Consultants
-
Graphic Designers
-
SEO Specialists
-
Social Media Managers
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
-
We specialize in leveraging major carriers to offer national PPO networks.
-
We deliver a premium, reliable service and health plan to our customers.
-
We're transparent about how our plans work and how to use them effectively.
-
Our plans are available in all 50 states, with no exceptions or hidden conditions.
-
We invest significantly in our broker partners, because your success drives our success.
-
They use networks that, despite being large, are not widely recognized by consumers.
-
Their plans are complex, requiring the insured to navigate hurdles for major claims.
-
They focus on low-cost plans aimed at budget-conscious consumers.
-
They offer little to no support or resources for their agents to grow.
-
Their plans come with restrictions on where and what they can sell.
Subscribe to our Monthly Newsletter, The Benefits Pulse
Your monthly source for updates, tips, and insights on health plans and benefits from OneHealth, helping you make informed choices for your coverage.
