Families
Compare discount family insurance and PEO4YOU
| Characteristics | PEO4YOU | State Marketplace Plans |
|---|---|---|
| Covers the 10 Obamacare/ACA* Essential Health Benefits | ✔️ | ✔️ |
| Covers Pre-Existing Conditions (ACA) | ✔️ | ✔️ |
| No Annual or Lifetime Maximums (ACA) | ✔️ | ✔️ |
| No Specialist Referrals Needed | ✔️ | ❌ if HMO, ✔️ if PPO/EPO |
| Claims Denials cannot Become Profits (ERISA) | ✔️ | ❌ |
| Dedicated Claims Representative | ✔️ | ❌ |
| Free Teledoc and Price Comparison Shopping | ✔️ | ❌ |
| Includes Comprehensive Dental and Vision | ✔️ | ❌ |
| Can Cancel Month-to-Month | ✔️ After 12 Months | ✔️ |
| Network Size | Blue Cross PPO | Variable |
Like Your Current Plan for Now ? Let’s Check Back When Things Change.
We get it — if you’re one of the lucky ones with a solid plan or a generous subsidy, it might not be time to switch yet.
But here’s the thing:
Subsidies can disappear if your income goes up or if the government does not extend the subsidies past 2025
Your current premiums could increase and become worse than PEO4YOU
Some plans may no longer be available next year
That’s why smart people like you have a backup plan ready.
Let us remind you when it’s time to compare.
Proud Physician Organization Vendor
Health, Vision, Dental, Life and Benefits.
Compare discount family insurance and PEO4YOU
Small Business Health Plans
Protects You More than Standard Discount Family Insurance
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 = Faster, Smarter, Affordable Healthcare
Discount Family Insurance without Excessive 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
Discount family insurance 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 |
|---|---|---|---|---|---|---|---|
| Married / Couple | $1,500.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,884.00 |
| Single Parent + Child(ren) | $1,146.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,530.00 |
| Parents + Child(ren) | $1,636.00 | $190.00 | $35.00 | $5.00 | $200.00 | $27.00 | $2,093.00 |
Family Health Plans
Designed to protect your loved ones.
Better Benefits for heads of households, single parents, families of 4 and a family just like yours.
Single-Parent Families
Navigating healthcare as a single parent can be challenging. PEO4YOU provides health plans that cover both you and your child with essential benefits like preventive care, specialist visits, and prescription coverage. Our affordable plans are designed to support single parents in securing reliable healthcare for their family.
Head of Household
As the head of your household, you want to ensure your family has access to quality healthcare without breaking the bank. PEO4YOU offers comprehensive health plans that cover all the essential needs, from routine checkups to emergency care. With our plans, you can provide your family with the peace of mind that comes from reliable, affordable health coverage.
Families of Four or More
For larger families, finding an affordable health plan that covers everyone can be tough. PEO4YOU offers group health plans designed to provide comprehensive coverage for families of four or more. Our plans include preventive care, specialist visits, dental, vision, and life insurance options to ensure your entire family has access to the healthcare they need.
INDEPENDENT WORKER
Compare PEOU4YOU vs Traditional discount family insurance.
| Characteristics | PEO4YOU | State Marketplace Plans |
|---|---|---|
| Covers the 10 Obamacare/ACA* Essential Health Benefits | ✔️ | ✔️ |
| Covers Pre-Existing Conditions (ACA) | ✔️ | ✔️ |
| No Annual or Lifetime Maximums (ACA) | ✔️ | ✔️ |
| No Specialist Referrals Needed | ✔️ | ❌ if HMO, ✔️ if PPO/EPO |
| Claims Denials cannot Become Profits (ERISA) | ✔️ | ❌ |
| Dedicated Claims Representative | ✔️ | ❌ |
| Free Teledoc and Price Comparison Shopping | ✔️ | ❌ |
| Includes Comprehensive Dental and Vision | ✔️ | ❌ |
| Can Cancel Month-to-Month | ✔️ After 12 Months | ✔️ |
| Network Size | Blue Cross PPO | Variable |
Our services provide comprehensive solutions for families seeking reliable and affordable health coverage. By offering group health plans, PEO4You ensures access to essential benefits like preventive care, specialist visits, and prescription coverage, with additional options for dental and vision care tailored to meet family needs. Our services also include life insurance options to help you plan for the future and protect your loved ones.
With streamlined enrollment and personalized support, PEO4You makes it easy for families of all sizes—whether you’re a single parent, head of household, or a larger family—to find quality health 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?
Generally, you can switch plans during open enrollment periods, which occur annually, or if you qualify for a special enrollment period (SEP) due to life events such as marriage, birth of a child, or loss of other coverage. However, PEO4YOU allows you to enroll any month of the year. If you are already enrolled in a state exchange plan, you should be able to cancel that plan mid-year.
Can I switch health plans after open enrollment?
Generally, you can switch plans during open enrollment periods, which occur annually, or if you qualify for a special enrollment period (SEP) due to life events such as marriage, birth of a child, or loss of other coverage. Make sure to review your options each year, as plans and premiums can change.
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)
