Turnkey Solutions
We implement healthcare coverage from the plan design through eligibility and enrollment, offering plans and support to make your job easy and keep your clients happy and healthy.
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Save clients 15% to 25% off of their annual healthcare costs.
Save your clients time and money, and keep them coming back with maximum member satisfaction and plan efficiency. All while earning competitive compensation for your efforts.
We make it easy.
A-Rated Carriers
CGS Health partners with A-rated carriers who are thorough in reviewing cases, and timely in processing claims payments. Our relationships include a broad selection of excess medical stop-loss carriers based on demographics, nationwide reach, and specialty. What does this mean for our partners? Access to more aggressive premium quotes than many of our competitors can offer.
No Health Questionnaires
Lose the individual health questionnaires (IHQs) and streamline enrollment with a single employer disclosure agreement. No more chasing down eligible members to complete online or paper-based IHQs, and slowing or jeopardizing the binding stop-loss application.
How it works
Employers can offer better benefits at major cost savings with customized, self-funded plans from CGS Health. We offer billing transparency, personal service, plan adaptability and much more, all for a lot less than the cost of traditional insurance.
How a CGS Health self-funded health plan saves your clients money
Employers collect payroll contributions and pay monthly premiums to a carrier, claims are paid out and the carrier keeps the profits.
The CGS Health Advantage for Producers and Their Clients
Cost Savings
CGS Health creates health plans tailored to your clients’ individual needs, saving them up to 25% over traditional fully-insured plans. We monitor claims over time to optimize plans to save your clients money. Registered nurse practitioners work alongside cost-containment vendors to make sure our clients pay reasonable fees for reliable services.
Plan Flexibility
The CGS Health adaptable approach to plan design combines best practices and claims utilization experience with client preferences to match existing plans or develop custom plans. CGS Health generates and maintains the Summary of Benefits and Coverage (SBC) and Summary Plan Description (SPD) ensuring regulatory and insurance carrier compliance.
Commissions
Satisfied clients, more renewals and industry-leading commissions paid to you faster. Instead of an ever-shrinking percentage of premium, CGS Health pays a fixed PEPM Producer distribution fee.
Best-in-class networks.
Medical Networks
Best in class medical network access for your clients. CGS Health provides access to the Cigna national PPO network for major medical plans, and the MultiPlan/ PHCS network for MEC and MEC-Enhanced plans.
PBMs
Access to nationally recognized pharmacy benefit managers (PBMs) providing prescription coverage and access to 65,000 pharmacies nationwide. CGS Health passes pharmacy discounts back to the client either at point-of-sale or back to the client's claims reserve account depending on PBM.
Telemedicine
All CGS Health plans come with embedded, FREE 24/7 telemedicine access by Teladoc, immediately connecting members with board-certified clinicians at their convenience. Treat common issues at a fraction of the cost of PCP/ SPC or Urgent Care visits.