INDIVIDUALS
Health plan for individuals
Small Business Health Plans
Health, Vision, Dental, Life and Benefits.
Let’s build a plan that works for YOU
Protects You More than Standard Health Insurance Plans
Human-Centered Claims Managment
Human-Centered Claims ManagmentApproximately 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.
Your Premiums Work for You
Unlike traditional plans, PEO4YOU doesn’t profit from claim denials or premium hikes—ERISA laws make it illegal. We only earn from admin and union fees, so our focus stays on your care, not squeezing your wallet.
Cost Transparency & Affordable Renewals
Cost Transparency & Affordable RenewalsAt 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.
PEO4YOU + Valenz = Faster, Smarter, Affordable Healthcare
No Delays. No Unnecessary Denials. No Wasted Dollars.
Experience Healthcare Built for You
Proactive Claim Protection
Traditional health plans often deny claims to increase profits. PEO4YOU is different. ERISA laws prohibit claim denials from turning into corporate profits. Instead, we partner with Valenz to streamline approvals and protect your access to care.
Fewer Denials, Faster Approvals, Less Stress
- 90%+ claim denials prevented before they even happen.
- Real-time coverage verification for faster approvals.
- Data-driven cost savings to lower out-of-pocket expenses.
Fast-Tracked Savings on Your Medical Bills
Valenz's advanced cost-man- agement 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.
Know Your Health & Wellness Benefits
Medical
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 |
×
Dental
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).
Vision
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 |
LIFE
10K Death Benefit
Links of Interest
×
How to Find a Doctor
DO:
- Click here
-
Update the Provider City
-
Search Proper Names
- Search Name Variations
- Doctor Websites
- Name on Google
- Maiden Name
- For Double Last Names such as Manuel-Lopez try:
- Manuel
- Lopez
- Manuel-Lopez
Do NOT:
- Use Hospital or Doctor Nicknames
H&W, Dental, Vision and Life benefits are
part of a benefits package
Enrollment available year round – No underwriting
| Features | H&W 125 | DENTAL 125 | VISION 125 | LIFE 10K | ADMIN125 | Union | Total |
|---|---|---|---|---|---|---|---|
| Individual | $731.00 | $65.00 | $10.00 | $5.00 | $100.00 | $27.00 | $938.00 |
| Spouse | $1,500.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,884.00 |
| Children | $1,146.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,530.00 |
| Family | $1,636.00 | $190.00 | $35.00 | $5.00 | $200.00 | $27.00 | $2,093.00 |
Our Approach
Our proven workflow
Better Benefits for Independent Contractors and Companies
Freelancers
Freelancers often face high costs for individual health plans. PEO4YOU offers group plans with comprehensive benefits, making it easy and affordable to get quality coverage that suits your flexible lifestyle.
Independent Contractors
Independent workers can struggle to find affordable health insurance. PEO4YOU helps by providing access to group plans with great coverage options, offering peace of mind and financial stability without the need for a traditional employer.
Individuals
Navigating health insurance alone can be tough. PEO4YOU simplifies it with tailored group plans that lower costs and provide reliable coverage, ensuring you have the support you need without
Independent Worker
Compare PEOU4YOU vs Traditional Health Plans
Our services provide comprehensive solutions for individuals and independent workers seeking reliable and affordable coverage. By offering group health plans, we ensure access to essential benefits like preventive care, specialist visits, and prescription coverage, along with additional options for dental and vision care. Our services also include life insurance to help you plan for the future and protect your loved ones. With streamlined enrollment and personalized support, we make it easy to find coverage that meets your needs without the high costs often associated with individual plans.
Health
Protect your well-being with flexible and affordable health coverage. Get peace of mind knowing you’re prepared for any situation. Find the best plan for you today!
Benefits
Customize your insurance with add-on benefits to cover every aspect of your life. From wellness perks to extended coverage, we have you covered. Explore our benefits now!
Dental
Smile confidently with our comprehensive dental insurance. Cover routine check-ups, procedures, and more. Enroll now and keep your dental health in check!
Vision
Take care of your eyes without breaking the bank. Our vision insurance offers extensive coverage for exams, glasses, and contacts. Start saving on vision care today!
What should I consider when choosing an individual health plan?
When selecting a health plan, consider factors such as cost (premiums, deductibles, and out-of-pocket maximums), coverage options (including preventive care, emergency services, and prescription drugs), and network restrictions. Make sure the plan covers your preferred doctors and healthcare providers.
Can I switch health plans after open enrollment?
What are out-of-pocket maximums?
The out-of-pocket maximum is the most you’ll have to pay in a year for covered services. After you reach this amount, the plan covers 100% of the allowed amount for covered services. This includes deductibles, copayments, and coinsurance but not your monthly premium.
Is this ACA/Obamacare compliant?
Yes. This plan covers all of the essential health benefits that are required by the ACA. Below are the differences that might be different from plans in states like MA which have more coverage requirements than the rest of the country:
Potential Differences from Traditional Marketplace Health Insurance Plans:
– Limitations:
- Chiropractor $500/Year Limit
- TMJ Services – $500/year and $2k Lifetime
- IVF Fertility $5k Max Benefit
– Exclusions:
- No Bariatric Surgery
- No Acupuncture
- No GLP1 Drugs for Weightloss (Approved for Diabetes)
Does this plan provide the Massachusetts tax document showing that I have health insurance?
Yes.
Can I only enroll in the health plan?
No. Plan enrollment is all – health, dental, vision, life – or nothing.
Are the rates the same for all ages and family size?
Yes. Whether you have 1 child or 10, you will pay the same family rate. The rates do not change based on age as well.
Does this plan require medical underwriting?
No. This plan is guaranteed issue and does not have pre-existing conditions and exclusions other than the below:
– Exclusions:
- No Bariatric Surgery
- No Acupuncture
- No GLP1 Drugs for Weightloss (Approved for Diabetes)
