INDIVIDUALS
Nationwide US Health Plans
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.
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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 |
|---|---|---|---|---|---|---|---|
| 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 | $32.00 |
Self Employed – Small Business – Families and Small Group Health
US Health Plans
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
In Alabama, PEO4You provides comprehensive health plans tailored for small businesses, freelancers, and independent contractors. Our plans, backed by Blue Cross Blue Shield, offer health, dental, vision, and life benefits, giving Alabamians access to affordable care that covers the essentials. We ensure that small companies and the self-employed can access quality healthcare options without breaking the bank. Learn More
Alaskans can count on PEO4You for versatile health plans designed for small businesses and independent professionals. In partnership with Blue Cross Blue Shield, our Alaska plans cover health and welfare, dental, vision, and life benefits. Perfect for the state’s unique workforce, our plans offer lower-cost alternatives for individuals, families, and businesses seeking flexible coverage options. Learn More
In Arizona, PEO4You brings a range of health plans suited to small business owners, freelancers, and independent contractors. Collaborating with Blue Cross Blue Shield, we offer affordable options that include health, dental, vision, and life benefits. Our plans ensure Arizonans have access to essential health services at competitive rates, making us a trusted choice for self-employed and family health needs. Learn More
Arkansas small businesses and independent workers have affordable healthcare options with PEO4You. Our collaboration with Blue Cross Blue Shield enables us to offer comprehensive health plans, including dental, vision, and life benefits. With our plans, Arkansans can expect lower-priced health coverage that supports their personal and business health needs. Learn More
In California, PEO4You partners with Blue Cross Blue Shield to provide adaptable health plans for small businesses, freelancers, and families. Our plans cover health, dental, vision, and life benefits, offering cost-effective solutions for individuals and companies alike. Californians can trust PEO4You to provide affordable healthcare options designed to meet the state’s diverse needs. Learn More
PEO4You’s health plans in Colorado, provided through Blue Cross Blue Shield, cater to small business owners, independent contractors, and families. Our coverage options, which include dental, vision, and life insurance, are structured to deliver affordable healthcare solutions that meet the needs of Colorado’s entrepreneurial spirit and diverse workforce. Learn More
For small businesses and self-employed individuals in Connecticut, PEO4You offers healthcare plans that prioritize affordability and comprehensive benefits. With Blue Cross Blue Shield, our Connecticut plans include health, dental, vision, and life benefits at prices designed to be accessible and competitive for small business owners and freelancers. Learn More
In Delaware, PEO4You provides a broad range of health plans in partnership with Blue Cross Blue Shield. Our options include health, dental, vision, and life insurance, aimed at small businesses and independent contractors seeking reliable and cost-effective coverage. Delawareans can count on our plans for high-quality, affordable healthcare solutions. Learn More
PEO4You’s health plans in Florida, backed by Blue Cross Blue Shield, are designed for small businesses, freelancers, and families seeking health, dental, vision, and life benefits. With lower prices than many competitors, Floridians can access comprehensive healthcare that adapts to their unique needs. Learn more
In Georgia, PEO4You offers flexible health plans for small businesses and the self-employed. Partnering with Blue Cross Blue Shield, our coverage includes health, dental, vision, and life benefits at affordable rates, making healthcare accessible to individuals, families, and small businesses throughout the state. Learn More
Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Hawaiians. Whether you’re a business owner in Honolulu supporting your team, an independent contractor in Maui, or part of a family in Kailua-Kona on the Big Island, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Hawaii. Learn More
At PEO4You, we offer flexible health plans designed for Idaho’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Idahoans. Whether you’re a business owner in Boise supporting your team, an independent contractor in Meridian, or part of a family in Idaho Falls, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Idaho.. Learn More
At PEO4You, we offer flexible health plans designed for Illinois’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Illinoisans. Whether you’re a business owner in Chicago supporting your team, an independent contractor in Springfield, or part of a family in Naperville, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Illinois. Learn More
At PEO4You, we offer flexible health plans designed for Indiana’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Hoosiers. Whether you’re a business owner in Indianapolis supporting your team, an independent contractor in Fort Wayne, or part of a family in Evansville, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Indiana. Learn More
At PEO4You, we offer flexible health plans designed for Iowa’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Iowans. Whether you’re a business owner in Des Moines supporting your team, an independent contractor in Cedar Rapids, or part of a family in Davenport, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Iowa. Learn More
At PEO4You, we offer flexible health plans designed for Kansas’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Kansans. Whether you’re a business owner in Wichita supporting your team, an independent contractor in Overland Park, or part of a family in Topeka, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Kansas. Learn More
At PEO4You, we offer flexible health plans designed for Kentucky’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Kentuckians. Whether you’re a business owner in Louisville supporting your team, an independent contractor in Lexington, or part of a family in Bowling Green, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Kentucky. Learn More
At PEO4You, we offer flexible health plans designed for Louisiana’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Louisianans. Whether you’re a business owner in New Orleans supporting your team, an independent contractor in Baton Rouge, or part of a family in Lafayette, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Louisiana. Learn More
At PEO4You, we offer flexible health plans designed for Maine’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Mainers. Whether you’re a business owner in Portland supporting your team, an independent contractor in Bangor, or part of a family in Augusta, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Maine. Learn More
At PEO4You, we offer flexible health plans designed for Maryland’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Marylanders. Whether you’re a business owner in Baltimore supporting your team, an independent contractor in Silver Spring, or part of a family in Annapolis, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Maryland. Learn More
At PEO4You, we offer flexible health plans designed for Massachusetts’ small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Massachusetts residents. Whether you’re a business owner in Boston supporting your team, an independent contractor in Worcester, or part of a family in Springfield, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Massachusetts. Learn More
At PEO4You, we offer flexible health plans designed for Michigan’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Michigan residents. Whether you’re a business owner in Detroit supporting your team, an independent contractor in Grand Rapids, or part of a family in Ann Arbor, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Michigan. Learn More
At PEO4You, we offer flexible health plans designed for Minnesota’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Minnesotans. Whether you’re a business owner in Minneapolis supporting your team, an independent contractor in Rochester, or part of a family in Duluth, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Minnesota. Learn More
At PEO4You, we offer flexible health plans designed for Mississippi’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Mississippians. Whether you’re a business owner in Jackson supporting your team, an independent contractor in Gulfport, or part of a family in Hattiesburg, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Mississippi. Learn More
At PEO4You, we offer flexible health plans designed for Missouri’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Missourians. Whether you’re a business owner in St. Louis supporting your team, an independent contractor in Kansas City, or part of a family in Springfield, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Missouri. Learn More
At PEO4You, we offer flexible health plans designed for Montana’s small businesses, independent contractors, and families.Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Montanans. Whether you’re a business owner in Billings supporting your team, an independent contractor in Missoula, or part of a family in Bozeman, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Montana. Learn More
At PEO4You, we offer flexible health plans designed for Nebraska’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Nebraskans. Whether you’re a business owner in Omaha supporting your team, an independent contractor in Lincoln, or part of a family in Grand Island, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Nebraska. Learn More
At PEO4You, we offer flexible health plans designed for Nevada’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Nevadans. Whether you’re a business owner in Las Vegas supporting your team, an independent contractor in Reno, or part of a family in Carson City, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Nevada. Learn More
At PEO4You, we offer flexible health plans designed for New Hampshire’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of New Hampshirites. Whether you’re a business owner in Manchester supporting your team, an independent contractor in Concord, or part of a family in Nashua, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for New Hampshire. Learn More
At PEO4You, we offer flexible health plans designed for New Jersey’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of New Jersey residents. Whether you’re a business owner in Newark supporting your team, an independent contractor in Jersey City, or part of a family in Trenton, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for New Jersey. Learn More
At PEO4You, we offer flexible health plans designed for New Mexico’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of New Mexicans. Whether you’re a business owner in Albuquerque supporting your team, an independent contractor in Santa Fe, or part of a family in Las Cruces, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for New Mexico. Learn More
At PEO4You, we offer flexible health plans designed for New York’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of New Yorkers. Whether you’re a business owner in Manhattan supporting your team, an independent contractor in Brooklyn, or part of a family in Queens, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for New York. Learn More
At PEO4You, we offer flexible health plans designed for North Dakota’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of North Dakotans. Whether you’re a business owner in Bismarck supporting your team, an independent contractor in Fargo, or part of a family in Grand Forks, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for North Dakota. Learn More
At PEO4You, we offer flexible health plans designed for Ohio’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Ohioans. Whether you’re a business owner in Columbus supporting your team, an independent contractor in Cleveland, or part of a family in Cincinnati, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Ohio. Learn More
At PEO4You, we offer flexible health plans designed for Oklahoma’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Oklahomans. Whether you’re a business owner in Oklahoma City supporting your team, an independent contractor in Tulsa, or part of a family in Norman, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Oklahoma. Learn More
At PEO4You, we offer flexible health plans designed for Oregon’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Oregonians. Whether you’re a business owner in Portland supporting your team, an independent contractor in Eugene, or part of a family in Salem, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Oregon. Learn More
At PEO4You, we offer flexible health plans designed for Pennsylvania’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Pennsylvanians. Whether you’re a business owner in Philadelphia supporting your team, an independent contractor in Pittsburgh, or part of a family in Harrisburg, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Pennsylvania. Learn More
At PEO4You, we offer flexible health plans designed for Rhode Island’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Rhode Islanders. Whether you’re a business owner in Providence supporting your team, an independent contractor in Warwick, or part of a family in Cranston, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Rhode Island. Learn More
At PEO4You, we offer flexible health plans designed for South Carolina’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of South Carolinians. Whether you’re a business owner in Charleston supporting your team, an independent contractor in Columbia, or part of a family in Greenville, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for South Carolina. Learn More
At PEO4You, we offer flexible health plans designed for Alaska’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Alaskans. Whether you’re a business owner in Anchorage supporting your team, an independent contractor in Fairbanks, or part of a family in Juneau, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Alaska. Learn More
At PEO4You, we offer flexible health plans designed for Tennessee’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Tennesseans. Whether you’re a business owner in Nashville supporting your team, an independent contractor in Memphis, or part of a family in Knoxville, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Tennessee. Learn More
At PEO4You, we offer flexible health plans designed for Texas’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Texans. Whether you’re a business owner in Houston supporting your team, an independent contractor in Dallas, or part of a family in Austin, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Texas. Learn More
At PEO4You, we offer flexible health plans designed for Utah’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Utahns. Whether you’re a business owner in Salt Lake City supporting your team, an independent contractor in Provo, or part of a family in Ogden, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Utah. Learn More
At PEO4You, we offer flexible health plans designed for Vermont’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Vermonters. Whether you’re a business owner in Burlington supporting your team, an independent contractor in Montpelier, or part of a family in Rutland, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Vermont. Learn More
At PEO4You, we offer flexible health plans designed for Virginia’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Virginians. Whether you’re a business owner in Richmond supporting your team, an independent contractor in Arlington, or part of a family in Virginia Beach, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Virginia. Learn More
At PEO4You, we offer flexible health plans designed for Washington’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Washingtonians. Whether you’re a business owner in Seattle supporting your team, an independent contractor in Spokane, or part of a family in Tacoma, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Washington. Learn More
At PEO4You, we offer flexible health plans designed for West Virginia’s small businesses, independent contractors, and families.
Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of West Virginians. Whether you’re a business owner in Charleston supporting your team, an independent contractor in Morgantown, or part of a family in Huntington, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for West Virginia. Learn More
At PEO4You, we offer flexible health plans designed for Wisconsin’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Wisconsinites. Whether you’re a business owner in Milwaukee supporting your team, an independent contractor in Madison, or part of a family in Green Bay, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Wisconsin. Learn More
At PEO4You, we offer flexible health plans designed for Wyoming’s small businesses, independent contractors, and families. Our small business health plans and small company health solutions provide comprehensive health and welfare coverage, including dental, vision, and life benefits, to meet the unique needs of Wyoming residents. Whether you’re a business owner in Cheyenne supporting your team, an independent contractor in Casper, or part of a family in Laramie, PEO4You has the right solution for you. Discover the peace of mind that comes with quality health plans for independent contractors and families, tailored specifically for Wyoming. Learn More
Independent Worker
Health Plans
Our services provide comprehensive solutions for individuals, independent workers, and families across the United States, offering reliable and affordable coverage options through US health plans. By providing US small business health plans and US health plans for self-employed individuals, we ensure access to essential benefits like preventive care, specialist visits, and prescription coverage, along with additional options for dental and vision care. Our plans 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 health plans for families in the US that meet your needs without the high costs often associated with individual plans. Discover the peace of mind that comes with quality, affordable coverage designed for individuals, families, and small businesses nationwide.
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 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.
