Build your business with Fundamental Care
Fundamental Care offers great options that would best fit groups looking for most cost effective health coverage options. Ideal groups that would benefit from their coverage plans would include small to mid-sized employers (5-500) looking to save on healthcare costs, as well as larger companies (500+) that want to offer benefits to a specific group of workers – especially when facing recruiting or retention challenges. It also can serve as a strong solution for employers with hourly workers that are earning $30-60K, or workers that are seeing low participation in their current health plan due to high deductibles or limited coverage. Additionally, companies facing ACA penalties or offering only minimal preventative coverage will also benefit from Coterie’s affordable plan options.
What fundamental care is:
- Group health insurance plan launched in 2018
- $0 deductible Bronze level MVP
- MEC enhanced buy-down options available
- Copay plans with no coinsurance
- Meets both ACA penalties A and B
- Guaranteed issue with low participation requirements
- Premiums are 30-40% less than HDHP ($340 avg Bronze Plans)
- No Employer claims exposure – A rated reinsurance carriers with 100% return of surplus
Ancillary included benefits:
- Virtual care Lab Program – LabCorp, Quest Diagnostics, American Esoteric Laboratories
- Prescription Drug Coverage
- Patient Advocacy
Coverage: Limit Days, Limit Costs:
- 3-6 PCP Visits
- 3-5 Specialist Visits
- 2 Urgent Care Visits
- 1 ER Vist
- 3-5 days in the Hospital
- +Major Dianostic, X-ray, Outpatient Surgery, and more
Basic Needs – Top Five Requested
- Preventative Care (covered at 100%)
- Emergency Care
- Mental Health
- Maternity Care
- Birth Control
