Providing Basic Employee Coverage Shouldn’t Be Complicated.
Or Expensive

Meet Simple Select
a smart, streamlined way to provide
affordable employee health benefits.

What’s Simple Select?


It’s a self-funded Minimum Essential Coverage (MEC) plan. Our options satisfy the individual mandate for employees. They also minimize potential Affordable Care Act-related penalties for employers. And all at a cost that’s lower than other more traditional insurance options.


Simple to get started. Just provide a group census listing employee age and gender. A quote can typically be generated within two business days. Your plan can be up and running in as little as 30 days.


Simple to administer. Enroll online or on paper. Your account manager will help set up a bank account to fund claims cost every month, and will answer your questions. Administration fees will be the same every month; your monthly claims costs will vary, depending on usage.


Simple to use. No complicated forms to submit or records to keep. Employees simply show their customized ID card. They’ll pay nothing for preventive services, and a low copay for other services such as generic prescription meds.


  • Plan 1: Basic plan covers preventive care at 100 percent, including all services required by the Affordable Care Act.
  • Plan 2: Preventive care plus additional services, including up to four physician visits annually, generic drug plan and a free 24/7 telemedicine service.
  • Plan 3: All the benefits of Plans 1 and 2, plus limited coverage to help pay for such services as emergency room care and out-patient surgery.

3 Ways Simple Select Can Solve Your Benefits Problems

In a self-funded dental plan, the employer pays only administration fees plus services actually provided. This can provide significant savings over a fully insured plan, in which premiums remain the same no matter how much dental care is used. Nationally, dental claims average only about $400 per person per year, and statistics from the American Dental Association show that about 30 percent of insured adults do not visit the dentist annually.

Avoid the $2,160-per-employee penalty. Under the shared responsibility portion of the ACA, this penalty is applied if an employer does not offer eligible employees a plan with Minimum Essential Coverage. Simple Select qualifies, eliminating the risk of a large fee.

Minimize the potential $3,240-per-employee penalty. Employers that offer only MEC plans, and do not offer an “affordable” Minimum Essential Benefits plan, could potentially face a fee of $3,240 per employee. However, this penalty applies only to those employees who bypass the MEC plan to purchase a policy from the exchange AND whose income qualifies them for a premium subsidy – NOT for every employee.

Help employees avoid penalties and save money. With a Simple Select policy, employees meet the minimum requirements of the ACA’s individual mandate. So they won’t have to pay a penalty, which in 2016 will range from $695 to as much as about $2,500. And they won’t pay out of pocket for basic preventive care.


Simple Select can be part of a multi-level benefits strategy, offered in conjunction with one or more traditional medical insurance plans. Just ask about our self-funded solutions, for groups of all sizes.


Because of the limited nature of claims, self-funding with Simple Select is, well, simple.

No reinsurance necessary. That’s because your overall risk is low. No benefits for extensive hospitalization, surgeries or expensive tests or treatment are provided, so your maximum expenditure is capped.

No end-of-year surprises. Our rates are calculated using a special matrix developed by an actuarial team, taking gender, age and anticipated usage into account. Based on historical data, most plans actually spend less for benefits than projected.


It’s a smart solution if you did not offer universal benefits prior to healthcare reform; find it difficult to budget for a traditional benefit plan; and/or those wish to provide affordable benefits while minimizing potential penalties.

Your business may be a good candidate if you meet one or more of these criteria:

• Applicable large employer with at least 50 FTEs or benefit-eligible employees

• High percentage of lower-wage, PRN, and/or variable-hour employees

• High number of employees newly eligible for benefits.

• Industries where benefits have not traditionally been offered, such as retail, service, home health/nursing homes, food service, and hospitality.


  • Simple Select is not comprehensive medical coverage. It is important that plan sponsors understand this and communicate it clearly to potential plan participants.
  • Although Simple Select qualifies as “minimum essential coverage” as defined by the Affordable Care Act, and allows individuals to escape the individual penalty, it does not qualify as “minimum essential benefits. Benefits are very limited.