Absolutely loving the plan! Better than all other health insurance plans I have had. They have been flexible with my needs and it feels like I am getting a VIP, concierge treatment from customer service. I come from many years working in the health insurance industry. I didn't think my experience could be this good.
We are loving the PEO4YOU plan. It is a much smoother experience with claims getting approved quickly. Just a much smoother experience and at a lower price than the alternative. I’m already telling friends and colleagues about it!
Sam worked with us to decrease our health costs by nearly 50% without rasing the deductible on employees or limiting the doctor network. These savings enabled us to add additional, valuable benefits. He was always willing to take a call or zoom meeting to epxlain anything we had questions about. The insurance landscape can be complicated and hard to navigate, but he helped us make great, informed choices.
Sam is an incredible asset to a small business like ours. He was able to balance simplicity with inclusivity and completeness so that we were able to make choices that make our employees happy, and for much less than we expected. In addition to their deep knowledge, they have provided exceptional service by responding quickly and providing thoughtful business solutions.
Without changing payroll or undergoing medical underwriting, Sam helped reduce my business's health insurance rates by nearly 50%, all while improving the plan's benefits and network. He made the process effortless.
MCLD has been working with Sam for many years. As we have grown and evolved as a company, they have been providing expert advice for our changing needs to help keep things simple and effiecient for the business and keep our employees happy. If and when anything comes up, we can always be confident that they will be there to help.
I got a big health insurance rate increase, and I didn't like the recommendations from my large, nationally recognized employee benefits agency, so I decided to speak with other agencies. None of them could provide the same level of solutions that Sam was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health insurance benefits.
We were able to save almost 50% on our medical rates while fulfilling everything we were looking for
Sam is an expert in HR and Benefits. He took our preferences and guidelines to provide design solutions for both savings and growth strategies. He also spent time ensuring we understood every aspect of the healthcare plans we were considering, which can be challenging. With Sam’s help, we offered great benefits to our team, saved money, and grew quickly by attracting and retaining top talent.
Sam Newland is a valuable asset to our company. Thanks to his expertise and guidance, FOUR PAWS USA has made informed decisions to increase coverage and benefits while reducing costs for both employees and the company. We truly appreciate his efforts to provide our employees with high-quality, affordable plans.
Without changing payroll or going through underwriting, we saved over 50% on our medical plan while upgrading to a PPO, improving benefits, and reducing expected renewal increases. The savings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth.
Experience the future of Healthcare with rapid approvals, fewer denials, and lower costs - because your health shouldn't wait.
Claim Denials
Unlike traditional health plans, PEO4YOU cannot profit from claim denials - ERISA laws make it illegal. Your premiums go
toward your care, not corporate bonuses.
● Shockingly Low Renewal Increases - 6 Consecutive Years of 3% or Less
● Lower Claim Denials than Industry Benchmark
● More Cost Transparency
Your health should never be a business model. With PEO4YOU, it isn't.
● No Hidden Fees. No Profits from Claim Denials.
● Unmatched Network. More Doctors, More Choices.
● Lightning-Fast Approvals. Less Hassle, More Care.
● Real Support. A Dedicated Claims Expert.
Because Your Health Plan Should Work for You-Not Against You.
With the Blue Cross Blue Shield PPO network, you get access to the largest provider network in the U.S. - bigger than UHC, Aetna, and Cigna
● More Doctors. More Mental Health Therapists. More Hospitals.
● Nationwide Coverage — Coast to Coast.
● Seamless Access — No Referrals Needed.
Choose the Best. Stay Covered.
Experience the future of Healthcare with rapid approvals, fewer denials, and lower costs - because your health shouldn't wait.
Experience the future of Healthcare with rapid approvals, fewer denials, and lower costs - because your health shouldn't wait.
Claim Denials
Unlike traditional health plans, PEO4YOU doesn't profit from
claim denials-ERISA laws make it illegal. Your premiums go
toward your care, not corporate bonuses.
✔ Shockingly Low Renewal Increases
✔ Lower Claim Denials
✔ More Cost Transparency
Your health should never be a business model. With PFO4YOU, it isn't.
Experience the future of Healthcare with rapid approvals, fewer denials, and lower costs - because your health shouldn't wait.
Experience the future of Healthcare with rapid approvals, fewer denials, and lower costs - because your health shouldn't wait.
• No Hidden Fees. No Profits from Claim Denials.
• Unmatched Network. More Doctors, More Choices.
• Lightning-Fast Approvals. Less Hassle, More Care.
• Real Support. A Dedicated Claims Expert.
Because Your Health Plan Should Work for You Not Against You.
With Blue Cross Blue Shield PPO Network, you get access to the largest provider network in the U.S. - bigger than UHC, Atena, and Signa
✔ More Doctors. More Mental Health Therapists. More Hospitals.
✔ Nationwide Coverage - Coast to Coast.
✔ Seamless Access, No Referrals Needed.
Choose the Best. Stay Covered.
My wife's medical emergency resulted in $300,000 in medical bills and over 90 claims - not one of them was denied and all costs covered by our $3800 per year max. She is still going to PT after 140 visits and we don't need to call and get more approvals. The rehab staff rave about our coverage. Also, I was the first patient in over eight years whose PRP treatments were covered, saving me over $3900. This plan really works.
Approximately 80% of medical bills have errors such as wrong codes and duplicate charges. With PEO4YOU, you will have a dedicated representative committed to helping bring your costs down by identifying and eliminating these errors and finding you discounts and savings. Say goodbye to never-ending phone trees, transfers, and having to explain your situation over and over.
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Unlike traditional plans, PEO4YOU doesn’t profit from claim denials or premium hikes—ERISA laws make it illegal. Brokers and plan administrators only earn from admin and union fees, so our focus stays on your care, not squeezing your wallet.
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At PEO4YOU, keeping costs low is the goal. That’s why we offer free Teledoc visits and let you compare procedure prices before scheduling. Over the past 5 years, our rates have increased less than 16%, while others jumped 30%+ in just one year. We stay transparent so you can stay protected.
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Traditional health plans may have financial incentives tied to claim denials. PEO4YOU is different. ERISA laws prohibit claim denials from turning into corporate profits. Instead, we partner with to streamline approvals and protect your access to care.
Advanced cost-management technology proactively reduces medical expenses, ensuring you pay less for the same high-quality care. Whether it's a hospital visit or routine checkup, your costs stay lower compared to traditional plans.
PEO4YOU offers healthcare benefits to independent contractors and small businesses that cannot otherwise participate in a group health plan due to size.
Book your free consultation6 consecutive renewals of 3% or less – Trust established in 1958 – BCBS network since 2004 – Enrollment available year round
Features | H&W 125 | DENTAL 125 | VISION 125 | LIFE 10K | ADMIN125 | Union | Total |
|---|---|---|---|---|---|---|---|
Employee Only | $731.00 | $65.00 | $10.00 | $5.00 | $100.00 | $27.00 | $938.00 |
Employee + Spouse | $1,500.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,884.00 |
Employee + (Children) | $1,146.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,530.00 |
Employee + Family | $1,636.00 | $190.00 | $35.00 | $5.00 | $200.00 | $27.00 | $2,093.00 |
Waived Employees | $5.00 | $27.00 | $32 |
Features | H&W 125 | DENTAL 125 | VISION 125 | ACCIDENT | LIFE 10K | ADMIN125 | Union | Total |
|---|---|---|---|---|---|---|---|---|
Employee Only | $746.00 | $75.00 | $15.00 | $12.00 | $10.00 | $100.00 | $27.00 | $985.00 |
Employee + Spouse | $1,530.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,959.00 |
Employee + (Children) | $1,169.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,598.00 |
Employee + Family | $1,669.00 | $220.00 | $45.00 | $12.00 | $10.00 | $200.00 | $27.00 | $2,183.00 |
Waived Employees | $10.00 | $27.00 | $37 |
Accident coverage is for Employee/Member only
Groups above 10 have custom ancillary rates
First Year Dental Max is $1,000, Second year increases to $2,000
Surcharge for 4 or more dependent children – Dental :$50 , Vision: $15 per child
At PEO4YOU, we believe comprehensive healthcare should be accessible, transparent, and tailored to your needs. That’s why every member receives a complete benefits package — medical, dental, vision, and life benefits — designed to give you peace of mind and real value.
BCBS PPO National Network
| Deductible: | $1,000 |
| Coinsurance: | 80/20 |
| Out-of-Pocket: | $3,800 |
| Primary Care Co-pay: | $25 |
| Specialist Co-Pay: | $50 |
| Medications: | Generic 10%; Brand 35% (see SBC for more details) |
| Wellness & Teledoc Visits: | No Charge |
(In-network only)
See Health Plan Outline for More Details
Principal PPO Dental Network
| Annual deductible network | Coinsurance network pays | |
| Preventative | $0 | 100% |
| Basic | $50 | 80% |
| Major | $50 | 50% |
Max benefit: $2,000 per calendar year
New Benefit: Implant coverage (see SBC for details).
Out-of-Network Coverage Available (Click Here to See Claim Example)
VSP Vision
| Exams: $10 copay, 1 exam every 12 mo |
| Glasses: $25 copay for single lenses |
| Frames: Up to $250 every 24 mo |
| Contacts: Up to $250 every 12 mo |
Same Rates Nationwide
Americans get benefits from multi-employer and Taft-Hartley plans
States. Nationwide Coverage
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Affordable health and benefits plans for small businesses, freelancers, and independent contractors.
Affordable health and benefits plans for small businesses, freelancers, and independent contractors.
