upgrade your cobra to 

health insurance 2.0

CUSTOMINSURED IS NOW MAKING THEIR HEALTH INSURANCE 2.0 PLANS AVAILABLE TO THOSE LOOKING FOR COBRA ALTERNATIVES. 

 READ ON TO DISCOVER ALL OF THE GROUP HEALTH-STYLE BENEFITS NOW AVAILABLE TO INDIVIDUALS AND FAMILIES.

INCLUDED BENEFITS

NATIONWIDE PPO

All Health Insurance 2.0 plans come with nationwide PPO coverage so you can be secure in knowing you have access to any doctor, hospital or medical facility that you choose.

TELEMEDICINE

24//365 access to a state-licensed medical provider is available to diagnose all non acute medical needs with no additional co-pay required.

DENTAL & VISION

Dental and Vision benefits are included in all Health Insurance 2.0 plans, ensuring that you have truly comprehensive benefits for all your medical needs.

TURNKEY coverage

Health Insurance 2.0 plans can serve as a long-term coverage solution because plans are guaranteed renewable so you carry the benefits for as long as you choose.

MEDICAL BILLING SPECIALIST

An integrated Medical Billing Specialist is at your service to set up your new coverage with your doctor or medical facility at no additional cost.

LOW CO-PAYS & DEDUCTIBLES

Health Insurance 2.0 plans limit out of pocket exposure by including low co-pays for doctor visits and a maximum deductible of $1,000.

CONCIERGE CLAIMS ASSISTANCE

With Concierge Claims assistance, all Health Insurance 2.0 plans offer complimentary resolution assistance for all inaccurate and misbilled claims.

DEDICATED CLIENT PORTAL

An dedicated client portal provides 24/365 access to Concierge Claims Assistance and Medical Billing Specialist services, along with coverage and benefits information.

healthcare bluebook

Healthcare Bluebook provides fair pricing for medical procedures all over the US.  In addition, their proprietary system provides comprehensive ratings of doctors and medical facilities.

stable renewal premiums

For many plans, it's common for renewal rates to increase by double digits, year on year.  Health Insurance 2.0 plans use a larger risk pool,  so rates remain stable year after year.

The Value of Health Insurance 2.0 Benefits

Watch this short video to learn more about the valuable service our Medical Billing Specialist (MBS) adds to our Health Insurance 2.0 plans 

QUESTIONS 

ANSWERS

what is health insurance 2.0 and why do companies need it?

Health Insurance 2.0 is a patent-pending platform that elevates Group Health coverage to a new standard with the goal of giving companies a competitive advantage when it comes retaining and recruiting the best possible talent during the hottest hiring market on record.

WHY ARE THESE HEALTH INSURANCE 2.0 PLANS BEING OFFERED TO INDIVIDUALS?

Between COBRA and ACA (Affordable Care Act), the options offered to individuals purchasing their own coverage have led to significant out of pocket exposure, limited networks and declining benefits.  CustomInsured's customized approach provides group health-like benefits including low deductibles and nationwide PPO networks.

where did the idea of concierge claims and medical billing assistance come from?
Studies show that company HR departments and personnel are wasting billions of dollars a year on administering their group health plans.  The integration of Concierge Claims and Medical Billing Assistance provide a significant reduction in HR involvement while seamlessly integrating additional resources and expertise to give employees next level service.
WHY ARE MONTHLY PREMIUMS SO MUCH LOWER THAN COMPARABLE cobra PLANS?

The two main rating factors that health insurers consider when determining coverage cost are:  the size of the coverage group and the amount of claims paid out the prior year.  Health Insurance 2.0 plans offer access to a larger group than the typical employer ratings of COBRA plans, leading to more competitive pricing and consistent renewal rates.

what is healthcare bluebook and why is it so valuable?

Haven't you ever wondered how much a procedure will cost?  The leading contributor to huge "balance" bills is surprise out of network charges.  Healthcare Bluebook's unique service not only allows you search out the pricing of procedures and facilities of your choosing, it also provides ratings on doctor's and medical facilities allowing you full access to all the tools to get the best medical treatment at fair and competitive pricing.

As an individual or family, is health insurance 2.0 the best fit for me?
While providing many superior benefits and features, Health Insurance 2.0 plans are not the best fit for everyone.  For example, recent ACA subsidy increases mean that many families currently qualify for significant cost and out of pocket reductions.  Additionally, many individuals and families enjoy the lower premiums of cost sharing, short term medical and indemnity only plans. 

The best fit for a Health Insurance 2.0 plan is that family or individual that is currently on COBRA or earns too much to qualify for a subsidy and is looking to lower their cost and out of pocket exposure along with access to nationwide PPO networks.