Predictable costs. Comprehensive coverage. No surprises at renewal.
Fully-funded health insurance means your client pays a fixed monthly premium and the carrier absorbs all claims risk. No reserve requirements, no cash flow exposure, no year-end reconciliation surprises.
For small and mid-size employer groups, that predictability matters. CFOs want a number they can budget around. HR wants coverage their employees will actually use. First Choice Health Plan delivers both.
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Fixed premium, full stop Your client knows their monthly cost from day one. Good claims year or bad — the number doesn't change mid-contract.
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No reserve requirements to manage Fully-funded plans don't require the employer to run a claims fund or maintain a cash reserve.
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Real coverage, built for everyday use $0 telemedicine, preventive care, and pharmacy benefits across the portfolio. Plans employees will actually use.
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Nine plans, four structures Match every group to the right deductible, copay structure, and HSA eligibility. No forcing a bad fit.
Four coverage types. Nine plans total.
Every group is different. These four structures cover the full range of employer budget and employee preference.
High-deductible plans paired with HSA eligibility. Employees build tax-advantaged savings while employers offer lower-premium coverage. The 8300 HSA includes a $25/month HSA contribution from Benefit Re.
In-network-only coverage with flat copays after the deductible. Straightforward structure, no referrals needed. The 2000 HSA EPO adds embedded dental coverage.
Structured annual visit allowances that keep premiums lower. Best fit for groups with younger, healthier workforces who want coverage in place but won't hit the limits in a typical year.
Flat copays for office visits and prescriptions from day one. The familiar structure most employees understand. Good for groups where employees prioritize predictable out-of-pocket costs.
Supplemental Benefits Package
Available on HSA and Copay plans, the supplemental package adds meaningful cost-sharing assistance where it matters most — hospital stays, outpatient surgery, ER visits, and imaging. Benefit Re pays cash benefits directly to help members offset deductibles and out-of-pocket costs.
Highlights include up to $3,500 for hospital confinement due to injury, $500–$1,000 for outpatient surgery, and up to $700 for advanced imaging. Plus $50/year for a health screen and $25/visit for up to 3 PCP or specialist visits.
add-on to base plan
One of the broadest networks in the country.
First Choice Health Plan members have access to a national network of over 800,000 providers through FCHP and PHCS. Most plans offer both network options. The 2000 HSA EPO is available on the FCHP network only.
Telemedicine is included on every plan at $0 cost — unlimited visits, no deductible required.
Ready to run a quote?
Our team works directly with brokers to produce quotes, answer benefit questions, and help you close. Reach out and we'll turn it around fast.