INDIVIDUALS

Health plan for individuals

AS SEEN ON

Health, Vision, Dental, Life and Benefits.

Let’s build a plan that works for YOU

Through Associate membership in CSJB, Associate Members can obtain access to health benefits offered by the CSJB Health and Welfare Trust Fund.

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
Wellness & Teledoc Visits:No Charge

(In-network only)

See SBC for details.

Dental

Principal PPO Dental Network

 Annual deductible networkCoinsurance network pays
Preventative$0100%
Basic$5080%
Major$5050%

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

H&W, Dental, Vision and Life benefits are
part of a benefits package

5 year average renewal of less than 3% – Trust established in 1958 – BCBS network since 2004 –
Enrollment available year round – No underwriting
Features H&W 125 DENTAL 125 VISION 125 LIFE 10K ADMIN125 Union Total
Only $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

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!

Alexander Kady Tschopp
Alexander Kady TschoppCo, Founders, Tailored Industry
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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 avings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth.
Alexandra Estrada
Alexandra EstradaOperations Manager at FOUR PAWS
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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.
Jacqueline Bellan
Jacqueline BellanManager, People Operations, Brio Systems
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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.
Patrick Therrien
Patrick TherrienFounder & CEO, Nationals Scope Investigations
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We were able to save almost 50% on our medical rates while fulfilling everything we were looking.
Jameson Reeves
Jameson ReevesOwner, Full Grip Games
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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 NGI was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health insurance benefits.
Scarlett Bartlett
Scarlett BartlettOperations Manager, Matthew Cunningham Landscape Design
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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.
Jack Bazarbachian
Jack BazarbachianSako Auto Body, INC
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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.
Chelsea Curtis
Chelsea CurtisFounder, Managing Partner at Seaport Consulting
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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.
Chrystin Comeau
Chrystin ComeauDirector, Clinic Operations at Cambridge Biotherapies
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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 us make great, informed choices.
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FAQ

Frequently Asked Questions

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.

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.

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.

“We respect your privacy. Your contact information will be used solely for the purpose of responding to your inquiry and will not be shared with third parties.”

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