Who can join?
Agency owners who buy their own coverage, the licensed producers and CSRs on their team, office staff, and their families, including anyone who is not eligible for an employer plan. You do not have to be with any particular carrier to join.
Is this a group plan through my carrier or my agency?
No. Coverage is individual. Each person joins on their own, picks their own plan, and pays their own monthly amount. Nothing runs through your agency or your carrier contract, and your carrier does not sponsor, endorse or administer it.
Does my team qualify?
Yes. Your licensed team members, CSRs and office staff can each join on their own. Share the link; each person sees their own price and picks their own plan.
When can I sign up?
Any month. Becoming a member is a qualifying event, so you don't have to wait for open enrollment. Most people are covered within a few days of signing up.
Can I add my spouse or kids?
Yes. Family pricing is shown at plan selection, based on each person's age.
Can I keep my doctor?
Most likely. Cigna PPO and PHCS are both national networks. You can search for your doctors during onboarding, before you pick a plan, and again any time in the app.
I sell insurance. Why would I need this?
Because as an agency owner you are a contractor to your carrier, not an employee, and the group plan you place for clients is not the one you get. Most owners buy their own coverage on the individual market at full price. This program is built for exactly that gap, and for the team members who work for you without benefits.
What does it actually cost?
Major medical is priced by age and ZIP code and shown before you commit. Click Calculate my rate, enter your ZIP and date of birth, and you see your real price in about a minute. MEC is $70 a month and MEC Plus is $125 a month at every age.
