Benefits built for Medical & Healthcare
Coverage tailored to clinics, dental offices, specialty practices, and home-health providers.
Schedule a Consultation
2+
Employees to qualify for a group plan
Multi-site
Structures for practices across locations
50 states
We serve businesses in all 50 states
Why medical & healthcare is different
It is a strange irony that the people delivering care are often the hardest to insure well. Independent practices compete for nurses and techs against hospital systems with enormous benefit budgets, while running on margins squeezed by reimbursement rates they do not control.
We build practice benefits the way a practice actually runs: class-based tiers for providers versus support staff, networks that respect your existing referral relationships, and voluntary layers that raise the perceived value of the package without raising what the practice pays.
Who works in medical & healthcare?
Medical, dental and therapy practices usually combine a few high-earning providers with a larger team of nurses, assistants, front-desk and billing staff. Many practices also rely on part-time, PRN or per-diem staff whose hours change week to week. Your employees understand healthcare better than most, so they notice right away when a plan has a narrow network or a high deductible.
Which plans usually fit, and why?
- A group PPO or a level-funded plan is a common fit when staff want broad networks and the freedom to see specialists without referrals.
- Offering two or three plan tiers, such as a richer plan and an HSA-eligible plan, lets providers and support staff each pick what fits their budget.
- For practices with many part-time staff, an ICHRA lets you offer a set allowance by employee class, such as full-time clinical versus part-time administrative.
What compliance rule should you know?
Practices with 50 or more full-time-equivalent employees fall under the ACA employer mandate. Variable-hour and PRN staff are the tricky part: the look-back measurement method lets you track hours over a set period to decide who counts as full-time, so you are not guessing week to week. Getting that measurement right protects you from penalties and keeps eligible staff covered.
You take care of patients all day. Let us take care of your team's coverage.
Get a Free QuoteWe understand your challenges
- Recruiting nurses and clinicians against hospital systems
- Reimbursement pressure squeezing the benefits budget
- Multi-location and multi-state staffing
- 24/7 and per-diem shift coverage gaps
- Front-office staff turnover driving constant enrollment changes
How we help
- Rich PPO networks clinicians expect
- Multi-site and multi-state group structures
- Voluntary disability and critical-illness add-ons
- Class-based tiers for providers vs support staff
- Enrollment and claims support so your office manager is not the benefits department
What we put in place
Provider-grade PPO networks
Rich networks clinicians expect, compared side by side so your team and your patients keep the providers and hospitals that matter.
Class-based plan tiers
Different contributions and plan designs for physicians, mid-levels, nurses, and administrative staff — all compliant, all in one program.
Recruiting & retention layers
Disability, critical illness, and life coverage that closes the gap against hospital-system offers without a large fixed cost.
Multi-location group design
A single group structure across clinics and states, with enrollment support at every site and one advisor coordinating renewals.
Who we help in medical & healthcare
- Primary care and family medicine clinics
- Dental and orthodontic practices
- Specialty practices — derm, ortho, cardiology, behavioral health
- Physical therapy, chiropractic, and outpatient rehab
- Home health, hospice, and private-duty nursing agencies
- Med spas, imaging centers, and independent labs
The coverage starts with you, but it stays with them.
Employees can keep their benefits for as long as they want — even if they move to a new job.
Frequently asked questions
Can I keep our in-network referral patterns?+
We compare carrier networks up front so your team and patients keep the providers and facilities that matter to your practice.
Do you handle multi-state practice groups?+
Yes. We serve businesses in all 50 states and coordinate coverage and enrollment across locations.
Can providers have a different plan than support staff?+
Yes. Class-based eligibility lets you offer a richer plan or larger contribution to physicians and mid-levels while still covering the whole team.
How do we cover per-diem and PRN staff?+
Eligibility is based on measured hours. For staff who fall below the threshold, we set up individual or voluntary coverage so they are not left out.
Can benefits really help us compete with the hospital down the road?+
You will not out-spend a health system, but you can out-design them. A strong PPO paired with disability, critical illness, and real flexibility is what usually wins the candidate.
What does this cost the practice?+
Nothing to work with us — carriers pay our compensation. You set the contribution level, and we show you three to five real quotes before you decide anything.
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