Under the Patient Protection and Affordable Care Act (PPACA), the fixed indemnity benefit structure of our Framework health plan is not considered a group health plan. Therefore, this limited benefit medical insurance plan may still be the best option for hourly and part-time workers at companies with 51 or more employees.
What's more, PPACA legislation may create more hourly and part-time workers because employers with 51 or more employees will have to offer health insurance. This creates an opportunity, or niche, for serving companies that want to recruit and keep the best part-time employees.
To learn more about serving the unique health coverage needs of the part-time employee, read an article that appeared in the May 2013 issue of Benefits Selling magazine called "The Employee Benefit Apocalypse."
FrameworkSM plan summary
Framework helps companies attract and retain employees by giving them the opportunity to offer an enhanced benefit that has the flexibility to meet almost any budget. The plan also has simple and easy premium reporting, as well as COBRA services offered at no additional charge.
Employees will appreciate an affordable plan that helps them with their day-to-day health care costs, yet doesn't have the barriers to coverage that other plans have. Some of the benefits include:
- No pre-existing condition limitations
- No deductibles or co-insurance (except dental and vision)
- No medical questions asked at enrollment (guaranteed issue)
- The freedom to choose providers
- Affordable coverage for dependents
To learn more about this limited benefit plan, read the Framework brochure.