Affordable group health insurance for self employed individuals and small business owners.

Self Employed Health Insurance or Small Business Health Insurance?

One Person Group Medical Insurance Plan

Who Can Join the OPG Insurance Program?

Our One Person Group medical insurance plan is suitable for the self-employed, consultants, and individuals who receive 1099 or K-1 income, including:

• Self employed professionals in private practice, such as attorneys, CPAs, doctors, dentists, psychologists, physical therapists, nurses, and other small businesses.
• Tradesmen, IT consultants, real estate agents.
• Small business owners who don’t want to cover all their employees.
• Clergy and their staffs who don’t have medical insurance through their religious order.

About Our Medical Health Insurance Plans for the Self Employed or Small Businesses

• Coverage in our medical plans is provided by Aetna, one of the nation’s most prestigious and largest carriers—the carrier many “Fortune 500” companies use for their employees.
• As a member of a larger group, the cost of coverage is substantially less than the coverage you could get directly from a carrier.
• You have a choice of plans to fit your needs and budget.
• Our lower premiums are particularly significant for older individuals, those with health problems, or females of childbearing age.
• Our coverage is fully-insured, guaranteed issue. This means that you may not be turned down because of health or other reasons, such as occupation, age, gender, or health status. There are no medical questionnaires to complete.
• Our plans cover pre-existing medical conditions, provided you were previously covered by medical insurance. In many instances, pre-existing conditions are covered under our plan even though they may have been excluded under your prior plan.
• You won’t need a referral to see a specialist or out-of-network provider.
• Our plans let you go to a participating doctor anywhere in the U.S. and pay in-network copays. Many carriers don’t cover providers outside of your home area or limit such treatment to emergencies. Now you’ll have network coverage whenever you travel for business or pleasure.

How Our Aetna Medical Plan Works

Benefit & Compensation Consultants (BCC) is a registered Professional Employer Organization (PEO). This allows BCC to provide an outstanding package of employee benefits, including medical, disability, and life insurance, at a much lower cost. This lets our members enjoy many of the competitive advantages usually reserved to employees of major corporations – especially lower insurance premiums.

The concept is simple: As a PEO, BCC combines our clients into a larger group, thereby lowering health insurance premiums for everyone.

PEOs were established more than 20 years ago to help individuals and businesses level the playing field. And it’s worked! To learn more about PEOs, go to the National Association of Professional Employer Association website at www.napeo.org.

Today, nearly three million individuals take advantage of the lower insurance rates offered by BCC and other PEOs. Plus, more than 100,000 businesses that employ these workers have been able to improve their employment practices, tax, and human resources compliance and risk management.