Here’s what today's employees are looking for:  

Help with basic, everyday medical and dental expenses.
Employees understand the "safety net" of local social services that cover medical expenses for catastrophic illnesses or injuries. However, without basic medical coverage, common problems like the flu, a broken bone or minor dental work can become stressful events, which lead to absenteeism and less pay. 

A low deductible.
Today's entry-level employees view even a small deductible as a major financial setback. Our experience shows that hourly employees will only pay for a medical plan where the deductible amount is within reach. That’s why Core Health Insurance has deductibles that are within your employee's budget.

Affordability.
Core Health Insurance's premiums are based on what hourly employees have told us they can afford. A review of our clients' programs have shown that participation in company sponsored healthcare programs is greater when plans are available that are equivalent to an hour's pay per week.

Limited Benefit Highlights

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Help with today’s most common medical needs
Core Health Insurance was designed to help your part-time and hourly employees with their day-to-day medical expenses. Our internal analysis of claims data shows that the majority of our insureds use less than $1,000 of benefits per year. Core Health Insurance is designed to help an insured pay for expenses that commonly fall within the most used portion of a medical plan.

Affordable premiums
Core Health Insurance is designed upon the affordability needs of hourly employees. In fact, they are so inexpensive that your employees can become insured for as little as one hour’s pay per week! As an Employer you can contribute as little of the premium as you wish.  You can even offer it as a payroll deduction and contribute nothing.  A free benefit for you.

Improve recruitment and retention
Our programs give your company a competitive advantage with recruitment and retention. Offering Core Health Insurance allows you to say, "Benefits are available immediately!"

Who is eligible for Core Health Insurance?

	Part-time employees
	Full-time employees in a benefit waiting period
	Employees who are not eligible for major medical

Our plans have proven to:

	Reduce overall healthcare spending
	Reduce Workers' Compensation claims
	Reduce turnover
	Reduce absenteeism
	Improve employee morale

Plan features:

	Pooled national rates – no census required
	No individual company experience rating
	Self-billed program, without bill reconciliation
	Covers expenses for off-the-job sickness and accidents
	No administrative or set-up fees
	HIPAA compliant
	No provider networks
	Guaranteed issue
	Eligible dependents include spouse and children as specifically required in your state

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