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Independent and multi-carrier. Licensed in 11 states. No cost to you.
Medicare
Individual and family
Quoting
Compliance
Life stages
Planning
Independent and multi-carrier
We hold appointments across the market and are captive to none of it. Nobody pays us more for placing you with one company over another, which is the only reason a comparison is worth anything.
The panel
Eighteen companies across nine lines, and a contract with none of them.
Network footprint
Regional carriers price aggressively at home because their networks are tight there. That is a genuine bargain for a workforce inside one county and a bad trade the moment somebody lives across a state line.
| Type | Referrals | Out of network | Geography | Suits | Cost posture |
|---|---|---|---|---|---|
| HMO | Primary care referral usually required | Emergency only | Tightest. Often a single metro or a named hospital system | A workforce that lives and works in one county | Lowest premium on a matched benefit design |
| EPO | No referral required | Emergency only | Regional. Wider than HMO, still no out-of-area routine care | One metro plus surrounding counties, little travel | Slightly above HMO |
| POS | Referral required for the in-network tier | Covered at a higher cost share | Regional core with a national wrap | Mostly local staff with occasional out-of-area need | Mid-range |
| PPO | None | Covered at a higher cost share | Broadest. National networks are common | Distributed or travelling workforces, and dependents at college out of state | Highest premium of the four |
| Tiered or narrow | Varies | Usually emergency only | A curated subset of a broader network | Employers willing to trade choice for a double-digit premium reduction | Below HMO, with the narrowest provider list |
Scroll the table sideways to see every column.
The default answer for a workforce spread across more than two states. You pay for the breadth whether or not you use it.
Frequently the best price in Franklin, Delaware and Licking counties. Becomes a problem the moment you hire in Texas.
Aggressive pricing if your staff already use that system. Very little to offer someone who does not.
Dental and vision networks do not follow the medical carrier. They are checked separately, every time.
Rating areas and network contracts both stop at county boundaries. An employee who moves from Franklin County to a rural county twenty minutes away can lose in-network access to the hospital they have always used.
A child at university in another state is the most common gap we find. HMO and EPO plans cover them for emergencies only, which is fine until a chronic condition needs managing.
Hiring one developer in another state can push an entire group off a regional carrier, or leave that one person with emergency-only coverage. Check the network before the offer letter, not after.
Medicare Advantage networks are county-based. Three months in Florida each winter is a genuine reason to look at a Medicare Supplement instead, which has no network at all.
Provider directories change continuously. Check per plan, per county and per provider before enrolling.
Method
Six steps, the same every time, whether the group has six lives or two hundred and sixty.
We rebuild your current benefit design across every carrier before comparing price, so you are looking at the same plan rather than a cheaper one.
One richer, one leaner, each priced on the same census. Most employers end up choosing one of these rather than the match.
Every carrier on the shortlist is checked against where your people actually live, not against your office address.
Dental and vision networks do not follow the medical carrier. They are verified on their own provider lists.
You get the comparison as a document you keep, including the options we did not recommend and why.
A market shop frequently ends with a renegotiated renewal where you already are. Knowing the market is what makes that conversation work.
A first-pass comparison usually comes back in two to four business days, and it costs you nothing either way.
Independent and multi-carrier. $0 cost to work with us. No pressure scripts.
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