- 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.
in the U.S. - bigger than UHC, Atena, and Signa
✔ Nationwide Coverage - Coast to Coast.
✔ Seamless Access, No Referrals Needed.
claim denials-ERISA laws make it illegal. Your premiums go
toward your care, not corporate bonuses.
✔ Lower Claim Denials
✔ More Cost Transparency
Comprehensive Health Plans for Individuals, Families & Small Businesses
AS SEEN ON
![cnp 13012025 153016.png[1]](https://peo4you.com/wp-content/uploads/2025/03/CnP_13012025_153016.png1_.webp)
![cnp 13012025 153022[1]](https://peo4you.com/wp-content/uploads/2025/03/CnP_13012025_1530221.png)
Independent Contractors, Sole Proprietors and Families
Small Businesses with Less Than 500 Employees
Protects You More than Standard Health Plans
Human-Centered Claims Managment
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. 
Human-Centered Claims Managment
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
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. 
Cost Transparency & Affordable RenewalsPEO4YOU + 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-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.
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 |
(In-network only)
See Health Plan Outline for More Details
×
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
More Health, More Benefits
PEO4YOU offers healthcare benefits to independent contractors and small businesses that
cannot otherwise participate in a group insurance plan due to size.
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 |
|---|---|---|---|---|---|---|---|
| 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 |
For Independents
Those working independently and want health benefits plus the benefits. You are in the right place
Companies
You won’t find a better way to provide health benefits to your employees.
The Largest Network
in the Country
Same Rates Nationwide
Serving clients across the US
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Nationwide Coverage
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Book a free consultation
Read More
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.
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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.
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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.
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We were able to save almost 50% on our medical rates while fulfilling everything we were looking for
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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 Sam was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health insurance benefits.
Read More
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.
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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.
Read More
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.
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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 he helped us make great, informed choices.
Read More
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!
Read More
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.
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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!
Life
Our health plans don’t stop at health, or vision, or dental. Our health plans also include 10k in life insurance benefits.
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!
