The benefits of self-insurance. The predictability of a fixed monthly cost.
First Choice health plans give employers the cost advantages of self-insurance with embedded stop-loss protection. One fixed monthly payment. Zero exposure to catastrophic claims. No end-of-year reconciliation.
Quick access
Members, providers, employers — start here.
The most common reason people visit. Open the right portal in one tap.
Check Eligibility
Real-time member eligibility for providers and members.
Member Login
Access your benefits, ID card, EOBs and claim status.
Employer Login
Manage enrollment, billing and reporting for your group.
Pre-Certification
Open a case for prior authorization or pre-cert review.
Why First Choice
Nine plan designs. Backed end-to-end.
Nine plan designs
HSA, copay, EPO, and hybrid options. Real choices for every group, not a take-it-or-leave-it menu.
Employer Savings
Qualifying employer groups will save vs current carrier.
Fully-funded
Self-funded economics with risk removed. Predictable premiums with stop-loss protection.
Backed by Benefit Re
Insurance underwritten by Benefit Re.
Broker Friendly
Competitive compensation, sales tools and support, and responsive service.
Interactive tool
How much could your group save?
Run the Savings Estimator and see an estimated annual range in seconds — before you fill out a single form.
- Takes 60 seconds, no commitment
- See your range instantly
- Routed to a senior advisor within 24 hours
Inside the HLG ecosystem
Coordinated by design, not by integration.
Ready when you are
Bring us your group's hardest renewal.
Get appointed in 24 hours. Or run the Savings Estimator and we'll have a formal quote in your inbox by this time tomorrow.