SB/A MINIMUM VALUE PLAN (MVP) BENEFIT PROGRAMS
Affordable Healthcare That Actually Covers Care
The Innovation:
Our ACA-compliant Minimum Value Plans (MVP) were engineered specifically for employers with large hourly workforces. Unlike traditional group plans or marketplace exchange options, these plans provide first-dollar copays instead of deductibles, making healthcare immediately accessible when employees need it most.
Why This Matters:
When hourly workers face a $5,000 deductible, they simply don’t seek care. They skip preventive visits, ignore warning symptoms, and delay treatment until minor issues become major emergencies. Our plans eliminate this barrier by providing fixed, affordable copays from day one.
Key Features:
- ACA-Compliant – Meets both Part A & Part B Affordable Care Act requirements
- 50-State Availability – Same rates and designs nationwide
- Guaranteed Issue – No medical questionnaires or underwriting
- First-Dollar Copays – Predictable, budgeted costs instead of impossible deductibles
- National PPO Network – First Health Network (Aetna subsidiary) with extensive provider access
- ERISA Self-Funded Structure – No employer claims liability, no experience rating on renewals
- Accessible Entry Point – Minimum 4 covered employees, starting at $500/month single rate
Target Markets:
- Restaurant groups and quick-service franchises
- Hospitality, hotels, and catering operations
- Auto dealers and retail operations
- Manufacturing, warehouse, and distribution
- Security services and hourly workforce industries
- Trade organizations, franchises, and purchasing cooperatives
- Religious organizations seeking national benefit programs
The Employer Value:
Enable workforce retention with affordable contribution levels while meeting healthcare reform requirements. Give employees coverage they’ll actually use, improving health outcomes and reducing absenteeism.
The Employee Value:
Real healthcare coverage without the fear of $2,000-$6,000 out-of-pocket exposure. Visit a doctor when sick, not when it’s too late.
Get Started
Contact PBG about becoming a Distribution Partner
Testimonials
Partner Experiences That Speak for Themselves
Partnering with Prime Benefit Group allowed us to offer healthcare benefits that hourly employees can actually afford and use. Enrollment improved, employee satisfaction increased, and healthcare costs became more predictable.
Affordable, Engaging Healthcare “Partnering with Prime Benefit Group allowed us to offer benefits for our client's hourly employees that they can actually afford and use. Enrollment improved, satisfaction grew, and costs are now far more predictable.”
A Smart Approach to GLP-1 Costs “With GLP-1 medications skyrocketing, we needed a sustainable approach. The membership solutions from Prime Benefit Group gave us a responsible, cost-controlled way to support employers without breaking the plan.”