Introducing a new HBAUP Member Only Benefit!

Health Insurance - Group and Individual!

This covers your W2 employees, it can cover 1099 contractors and individuals as well! Open Enrollment is coming up and they are working on the website/landing page right now so you will have a place to go browse.

Clearwater Benefits is used by other HBA's in the country and I did my research and have heard nothing but good things. Our HBA also gets a small kickback as an Affiliate partner for each subscriber who signs up (the main insurance holder, not all of the family members).

Check out the different things they have to offer below including major medical insurance, holistic insurance, dental and vision insurance, and more!

If you are interested right away in speaking to our broker, please let me know and I will get you in contact with them asap. Clearwater and their broker team will be reaching out to HBAUP members probably twice in August, so it is NOT a spam call!

HEALTH INSURANCE WEBINAR

FRIDAY, AUGUST 29th at 9 AM

RSVP to this email for the invitation and zoom link.

NOT A MEMBER and need this benefit? Contact me at the HBA office today and let's talk about getting you enrolled as a member.

THINGS YOU MAY WANT TO KNOW

The minimum # of W2 employees is 5 BUT if you have less than 5, they can still provided cover to your employees as individuals (and employers can choose to reimburse what they want towards healthcare)
Even if the majority of your employees choose NOT to sign up for this health insurance, they can still work with your participating employees.
If your employee already has insurance through a spouse or somewhere else and is not interested in switching, they can still add the supplemental (dental and vision, etc) or Holistic (or any of them) as additional plans.
The HOLISTIC plan includes a lot of wellness services like chiropractor and acupuncture services, and more.

Healthcare Options Below

*If you are not sure what you need, they can help you figure that out!!

MAJOR MEDICAL

These are traditional insurance plans, so there are no age or pre-existing condition limitations. These plans are designed to fit any budget and give members more control of their out of pocket costs.

Copay - Good for high plan utilization

Affordable monthly premium with varying deductibles to choose from. Copays for common services like doctor visits, specialists, diagnostics, and prescriptions. Includes $0 out of pocket care when Care Coordination is utilized.

HSA* - HSA plans require the use of care coordination

Low monthly premium with higher deductible. Eligible for tax-deductible Health Savings Account - HSA to help for qualified medical expenses.

Minimum Value Plan * - requires the use of care coordination

Lower monthly premium with higher deductible offering co-pays for a limited number of common services like doctor visits and diagnostics.

CLEARSHARE

Clearshare is a healthcare-sharing community that protects members from high medical costs that could result from major surgeries or an unexpected illness. It is NOT insurance, so limitations on age and pre-membership conditions will apply

Advanced - Good for High plan utilization

Reasonable monthly costs with carrying annual max's to choose from. Visit fees for common services like doctor visits, specialists, diagnostics, and prescriptions. Includes $0 out of pocket care when Care Coordination is utilized.

Basic - Good for those looking to cover the basics

Preventative care with the flexibility to see doctors for a member fee and get the occasional prescription without worrying about surprise costs.

HSA - Good for pre-tax healthcare savings

IPairs your healthshare plan with an HSA - eligible Minimum Essential Coverage (MEC) plan. Save money and income taxes and minimize healthcare spending with a Health Savings Account.

HOLISTIC

A unique blend of traditional coverage and alternative care, supporting wellness with options like acupuncture, chiropractic care, and holistic doctors.

Holistic Premium & Clearshare Holistic Essentials & Clearshare

Good for comprehensive wellness care Good for wellness focused coverage

Combine traditional healthcare coverage with access to wellness-focused services like acupuncture, chiropractic care, and holistic licensed doctors. Offers robust protection for both routine and unexpected needs.

Provides essential healthcare coverage paired with access to alternative care options like holistic practitioners and preventative therapies. Designed for those seeking balance between traditional and holistic care.

Care Coordination

Care Coordination is an available service that connects members with lower-cost, higher quality providers for imaging and major procedures. On most plans, using care coordination for eligible services means your out-of-pocket costs may even be waived.

Concierge Telemedicine

Everyone's health journey deserves a trusted companion - enter Amaze Health. With Amaze, members experience the comfort of 24/7 Concierge medical support giving them a go-to ally in well-being. Providers are available by call or text, anytime, day or night, for those looking to discuss current health concerns, get referrals to nearby in-network providers, seek second opinions, explore weight loss strategies, an find mental health support. Curious about confusing medical bills? Amaze can help with that too - all at absolutely no cost to you and your dependents.

Supplemental Plans

Elevate your benefits package with supplemental insurance options, including vision, dental, critical illness, accident and life insurance. These open-network vison and dental plans give your employees the freedom to choose any provider. We'll work with any provider to get them set up for billing or provide hassle free reimbursements to members if a provider doesn't want to bill us directly.