No, this is NOT a traditional group plan or an Association Health Plan. This is health coverage for individuals/families, small groups and employers looking to offer HRA programs to their employees. Perfect for those who do not have access to traditional corporate plans like independent contractors, small business owners, self-employed, elite athletes, 1099 workers, part-time staff and any other individual, family or small group  (less than 50) that needs access to health insurance.

HRA Programs (Health Reimbursement Arrangements - HRAs) Options: HRAs are a type of account-based health plan that employers can use to reimburse employees for their medical care expenses with pretax money. This permits employers to offer a new “Individual Coverage HRA” as an alternative to traditional group health plan coverage or a more comprehensive excepted-benefit HRA and “Qualified Small Employer Health Reimbursement Arrangement” (QSEHRA). HRAs can be used to reimburse premiums for individual health insurance chosen by the employee, promoting employee and employer flexibility, while maintaining the same tax-favored status for employer contribution towards a traditional group health plan. The HRA programs can now be used to cover many types of employees, including part-time, seasonal, hourly, salary, full-time, and several other classes. There are specific rules on how and when an HRA can be used in the business to offer health benefits to employees, but this is straight forward, and the team at LIG can help you set up these programs and keep you compliant while saving money and offering health insurance benefits to your employees (many who would not qualify under a traditional group plan).

No, we offer this as a no-cost program to our association/affinity partners. Additionally, we offer significant Marketing Remittance (non-dues revenue generation) that is unlike any program in the market currently.

The simple answer is NO. This program is an exclusive concierge service that brings together all the traditional health coverage benefits like major medical, short term policies, vision, dental, critical care, and supplemental coverage, to name a few as well as the Health Reimbursement Arrangements (HRAs) options including plan administration. If you go to Healthcare.gov, you can only get major medical, and you would have to go to several other sources to build a program that might be close to what we can offer your members and their employees.

Because this program focuses on individuals, families, small group plans the costs to the members will be based on their own unique financial and health situation as well as where they live.

We do not use any one insurance carrier exclusively as not every carrier is available in each state/region. We will be able to build custom plans for your members that include major medical, short term options, vision, dental and many health-related supplemental options (think Aflac type programs) to cover the unique needs of your members.

No, LIG does all the heavy lifting, and there is little to no staff time or commitment needed by your organization to have this benefit for your members.

LIG is a fully licensed Insurance agency, and our agents are licensed in all 50 states. Additionally, our team and company are based out of our headquarters in Independence, Ohio (a suburb of Cleveland).

No, this is not a discount insurance program. The program is designed to be an active program with your members in which we provide your organization with the ongoing communications tools needed to help educate your members on what their health insurance options are and at the same time delivering health and wellness content that will help position your organization as an active participant in their wellbeing.

The program is co-branded between your organization and LIG which allows you to offer this as an exclusive member benefit that is a core element of your organization and as such you can use this to help retain existing members and attract new members with options for health coverage. As something everyone needs and couple this with the concierge service that they will receive from LIG, your organization will appeal to current and future members alike. Utilizing a unique landing page, unique phone number, health, and wellness content, and other no-cost tools we provide to have a program that is different from what you have experienced with other providers.

We can work with any size organization and the number of members, either way, is not a barrier. We have membership organization partners of all sizes, and the only “requirement” is that you would like to offer a great member benefit option for something that nearly every single person in this country needs.