Fundamental Care 

Affordable and unique health insurance options for employers and associations.

® 

Level-funded, limited-day health plans for employers

Indemnity limited medical plans for employers and associations

The Fundamental Problem with Traditional Health Insurance 

Health insurance is expensive.

High-deductibles create a huge personal financial burden and make the plans unusable.

  • Since the Affordable Care Act was passed in 2010, the average monthly premium for an individual has risen to $440 per month with an average deductible of $4,533. 

  • When surveyed, many Americans indicate that $200 per month (or less) is what they would define as affordable.

  • 70% of working Americans are living paycheck-to-paycheck.

  • 40% indicate that they don’t have enough savings to cover a $400 emergency.

  • 89% of uninsured Americans are actively employed.

An affordability and high-deductible crisis exists in the health insurance marketplace today. Fundamental Care was designed as an alternative solution.

Fundamental Care provides access to unique and affordable insurance benefits on a guarantee issue basis

 

Fundamental Care offers two medical insurance options: 

1) an employer-sponsored, level-funded, limited-day health plan, and

2) a voluntary, fixed-indemnity limited-medical plan. 

 

Both are structured with affordable premiums and no deductibles.  The plans are high in potential coverage and include upfront, day-one benefits -- healthcare you can actually use.

Fundamental Care Plan Information

  • Level-funded

  • Employer-sponsored

  • Copay plan with 100% coverage and no deductibles

  • Benefits are limited by days – no dollar amount limits

  • High in potential coverage (not fixed-indemnity)

  • Preventative, outpatient and inpatient benefits

  • ACA qualified MEC plan

  • Minimum $50 employer contribution

  • Minimum 5 enrolled

  • Core plan for small employers and carve-out plan for large employers

Plans cost 30-40% less than HDHPs with no deductibles. A near-comprehensive plan that both employers and employees can afford.

  • Fully-insured

  • Voluntary for employers or associations

  • Fixed indemnity coverage

  • Benefits are limited by flat dollar amounts

  • Limited benefit coverage

  • Outpatient and inpatient benefits

  • Non-ACA excepted benefit plan

  • Voluntary benefit

  • No participation requirements

  • Core plan for associations and carve-out plan for large employers

An affordable option for the uninsured that provides coverage for basic medical expenses.

 

A Small Employer

When I asked my broker for an affordable group health plan, he showed me high deductible plans. I can’t afford the employer contribution requirements.  And my employees would have to pay thousands out of pocket before they were reimbursed for anything other than a few office visits. We need an affordable plan that helps cover expenses on day one!

An Association

Our members who don’t have access to employer-sponsored plans are looking for affordable alternatives to Obamacare. Those that can afford it will go to the ACA marketplace.  Others are looking for help with basic medical expenses.

A Large Employer

We offer and pay for a portion of health insurance for our full-time employees.  But my hourly employees don’t enroll because they can’t afford their share of premiums and don’t think they will ever get past the high deductible to use their insurance. I need a carve-out option that is affordable with no deductibles.

Fundamental Care Partners

 
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Fundamental Care is managed by Coterie Advisory Group, Inc. Coterie is a Scottsdale-based, insurance program manager and national marketing agency. The founders of Coterie have dedicated their careers to the benefits marketplace. They have held various Leadership and Executive roles at multiple insurance carriers, agencies, and platform administrators. Their drive has helped thousands of employers and millions of individuals obtain quality, affordable care. Coterie focuses on niche insurance and benefit programs and has life and health licenses in all 50 states.

Contact Us
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If you would you like to learn more about Fundamental Care or to request a proposal, please fill out the contact form and Coterie Advisory Group will get in touch with you soon!

 

Call Coterie Advisory Group at: 602-884-8096

 
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Coterie Advisory Group, Inc.

 

www.coterieadvisors.com

 

Phone: 602-884-8096

 

This website is for marketing and illustrative purposes only and is not intended to solicit insurance. For specific plan details, rates, exclusions, limitations, and state availability please contact Coterie Advisory Group using the online form, email, or phone listed above.

Copyright Coterie Advisory Group, Inc. All rights reserved.