You put care into building your business. Let’s put that same care into your health coverage. Our fixed benefit health plans combine no deductible or copays, nationwide PPO network savings, and scheduled benefits for covered medical care. The Jordan Insurance Agency helps you explore that value for your household while keeping your business goals and monthly commitments in view.

For 20 years, The Jordan Insurance Agency has helped people make confident insurance decisions. We bring that experience and personal attention to your doctors, prescriptions, budget, and the care that matters to you. This program is underwritten by an established national insurance carrier and offers access to a nationwide PPO network.

Our health plan guide for small-business owners brings the benefits and consultation process together for your situation.

Health benefits built around your next step

Running a business can make it difficult to step away for an appointment. Included general virtual visits give you access to non-emergency phone or video care 24/7 at no additional charge. We help check your family’s providers and prescriptions, then review benefit levels and premiums against the budget you want to maintain alongside payroll, rent, and growth. If you also want employee benefits, we can make that a separate part of your consultation.

No deductible. No copays. Two ways to save.

You do not have to meet a plan deductible or pay a plan copay before a covered fixed benefit is payable. Your network discount lowers the eligible provider charge, and your scheduled benefit helps pay the remaining amount. You can see the benefit amounts before enrolling and choose the level that works for your needs and budget.

1. Use the nationwide network

Choose a participating doctor or hospital to access pre-negotiated rates. You can use other providers, but network discounts help your benefits go further. We’ll help you check your providers before you apply.

2. Apply your fixed benefit

For a covered service, the plan pays the amount listed in your benefit schedule to the provider or to you. The payment is based on your selected benefit level, not a percentage of the bill.

3. Put your benefits to work

Your network savings and scheduled payment work together to help cover the cost of care. If the benefit exceeds the eligible charge, the difference can be paid to you. Any charges above the benefit remain your responsibility.

See how the savings and benefits work together

For example, a $175 office visit could be reduced to $72 through a participating provider’s negotiated rate. With a $100 scheduled benefit, the visit is paid and the remaining $28 goes to you. For an X-ray example, a $238 negotiated charge with a $150 benefit leaves $88 to pay. These examples illustrate one benefit level; actual charges, discounts, and benefits vary.

At a participating provider, show your plan ID card. The provider files the claim and receives the applicable benefit payment to apply to your bill. When you use a non-network provider, you can submit the claim yourself. We can help you understand the process.

Benefits for everyday care and more

Available plan levels include scheduled benefits for the services below. During your consultation, we review the exact dollar amounts, visit limits, and state-specific terms alongside your quote.

  • Doctor and urgent care visits: Benefits for covered primary care, specialist, and urgent care appointments.
  • Wellness and screenings: Scheduled benefits for physical exams, certain health screenings, and eligible immunizations, with applicable age requirements and annual limits.
  • Hospital and surgical care: Benefits for covered hospital stays, emergency room care, eligible surgeries, and outpatient facilities.
  • Labs, imaging, and prescriptions: Benefits for covered laboratory tests, diagnostic imaging, and eligible generic or brand-name prescription fills, subject to the plan’s limits.
  • $0 general virtual doctor visits: Included access to unlimited general, non-emergency phone or video visits at no additional charge, 24/7. This is a separate service, not insurance; specialty virtual visits can cost extra.
  • Additional prescription savings: An included prescription discount program helps you compare pharmacy prices. It is separate from the policy’s prescription benefits and is not insurance.

Are you covering yourself, your family, or employees?

Start by identifying who needs coverage. A solo owner arranging insurance for a spouse and children has a different task from an employer setting up a benefit for staff. Tell us how your business is organized, whether you have employees, and what coverage the household already has available.

If you work alone, individual and family options are a useful starting point. If you have employees, group coverage and eligible reimbursement arrangements may enter the conversation. We review the requirements of the actual arrangement before treating it as an option for either the owner or the team.

How do you set a sustainable health insurance budget?

Choose the monthly amount you want to maintain alongside payroll, rent, inventory, and other business commitments. For your family, consider the care you expect to use as well as the premium. For employees, identify the contribution you want the business to make and how you will administer it.

Bring your current plan, renewal information, and the goals you want to achieve. We explain benefits and costs in practical terms so you can make a decision that supports the business you are building. Your accountant can help confirm tax treatment and payroll details.

What should an employer review before offering benefits?

Review employee eligibility, the employer contribution, administration, and the plan documents. HealthCare.gov’s small-business guidance describes employer coverage considerations and links to information about reimbursement arrangements. The appropriate approach depends on the business and the arrangement’s rules.

Owner eligibility can differ from employee eligibility. We help identify which questions need insurance guidance and which require your accountant or benefits administrator. We help clarify the arrangement that applies to your business.

What if you have an LLC or hire contractors?

Tell us how the business operates and who performs the work. The company name or an LLC registration alone does not answer every coverage question. See our health insurance guide for LLC owners for questions to discuss with your advisers.

If you personally work as an independent contractor, our 1099 health insurance article addresses coverage for your own household. Review worker classification and employee benefit obligations with the appropriate professional when the team structure changes.

What are the main coverage routes for a business owner?

A solo owner can review individual and family coverage, benefits through a spouse, and the featured fixed benefit program. Our self-employed health insurance overview helps organize those personal choices. If you have eligible employees, small-business group health insurance becomes a separate conversation about your team and employer contribution.

A business registration alone does not establish group-plan eligibility. We review the workforce and the actual policy requirements. If you are moving from an employed role into ownership, bring the date your current coverage ends so we can check enrollment opportunities and coordinate the new policy’s start date.

Can the business reimburse employees for individual coverage?

Eligible employers can explore formal reimbursement arrangements such as a QSEHRA or an individual coverage HRA. These have different participation, coverage and administration rules. HealthCare.gov’s QSEHRA guidance and its individual coverage HRA information explain the starting points. We coordinate the insurance review with your benefits administrator rather than treating informal premium payments as a finished benefit program.

Does your business structure affect tax treatment?

Yes. A sole proprietor, partner, S corporation shareholder and C corporation owner can have different payment and tax considerations. For an S corporation’s more-than-2% shareholder-employee, premium payment and W-2 reporting require particular attention. Ask your accountant to confirm the arrangement before setting up payments.

Our self-employed health insurance deduction guide helps you gather the relevant information. If you want to use an HSA, confirm coverage and contribution eligibility separately. The fact that a plan has no deductible does not establish HSA eligibility.

How do owners compare affordability and value?

Review the premium, expected care, provider access and benefit amounts together. Our guide to affordable self-employed health insurance helps frame the budget, and our self-employed plan selection guide helps you consider value. Marketplace assistance depends on household eligibility; employee benefits also involve the contribution your business wants to make.

Choose benefits before making an offer to a new employee so you can explain the arrangement clearly. Our health insurance services help connect your family’s coverage, business budget and plans for the team.

A consultation centered on you

Your free consultation is a chance to learn, ask questions, and explore coverage that fits your life, with no obligation to enroll. We bring the available benefits, your expected care, and your monthly budget into one conversation.

  1. Tell us what matters. Share your budget, preferred doctors, prescriptions, and the services you expect to use. We start with your priorities.
  2. Review your options. See the premium and benefit schedule together. We check provider participation and explain how the network discounts and fixed payments work.
  3. Choose with support. If you decide to apply, we help with the next steps. Our agency remains a resource for questions about your coverage afterward.

Personalize your protection

You can also explore separate accident, critical illness, and dental and vision options. We explain how those additional benefits can complement your fixed benefit plan and what each option costs, so you can choose what matters most to you.

Fixed benefit insurance pays scheduled amounts for covered services and is not a substitute for comprehensive major medical coverage. Applications are available year-round, subject to health underwriting, acceptance, and state availability. Preexisting conditions generally have a 12-month benefit limitation, with terms varying by state. Routine pregnancy and childbirth are generally excluded, with complications subject to policy terms. We review your health history, ongoing treatment, prescriptions, and planned care so the benefits and applicable exclusions are clear before you decide.

Learn more in our No Deductible Health Plans overview, or call (704) 926-7565 to talk with The Jordan Insurance Agency. Let’s put your health insurance questions into a clear, personal plan.

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