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Healthcare Built for Independent Agencies
Giving independent agency owners and teams of up to 10 employees access to major medical coverage, healthcare support, and long-term cost-control solutions.
Program Overview
Agency Benefits Group provides independent agencies with a more strategic approach to healthcare benefits by combining innovative plan design, cost-management solutions, and member advocacy into one integrated platform.
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Built for agency owners who understand the value of risk management and long-term planning, the program is designed to provide greater flexibility, transparency, and control over their benefits strategy. For qualifying agencies, it may also include the opportunity to participate as a B-share owner, creating a stronger connection between the agencies served and the long-term success of the organization.
Want to Know if Your Agency is Eligible?
You must be an independent agency with no more than 10 agents/total participants.
Agency owner must have a Federal Tax ID Number.
Eligibility for the program is also determined using a health questionnaire. If you or your agents answer 'yes' to any of the questions, your agency might not be eligible for the Agency Benefits Group Program right now - but we’ll review your responses carefully and let you know your options.
Plan Options
V2500 ..................................................... $2,500 Deductible
HSA Eligible
V5000 .................................................... $5,000 Deductible
HSA Eligible
V10000 ................................................. $10,000 Deductible
Agency Benefits Group
There are 3 options for you to choose the right balance between your annual deductible and monthly premium.
What's Included
Access to a Nationwide PPO Network
When you establish your self-insured health plan, you'll have access to the nationwide PHCS Practitioner & Ancillary Network, meaning you shouldn’t have to change your current provider. To search for in-network providers or check if your current provider is included, just click the button right above this section. If you choose an out-of-network provider, your claims will still be covered and priced at a fair and reasonable value through the program’s repricing vendor.
Prescription & Medication Coverage
The program uses FairosRx as its Pharmacy Benefits Manager. FairosRx provides access to prescriptions, low-cost pharmacies, drug coverage, benefits information, manages mail-order prescriptions, and more.
Vault Cares Network
The Vault Cares Network connects you to elite providers for expert second opinions and advanced treatments—often beyond what traditional insurance covers. Each facility is hand-picked for clinical excellence, giving you access to world-class care, better outcomes, and total peace of mind when it matters most.
Vault Admin Services (Your in-house Third-Party Administrator)
VAS is our in-house Billing & Claims administrator that manages all aspects of your self-insured health plan. It provides customer support, education, manages your claims, eligibility, and sends out your health plan ID cards.
Mobile App
The Small Employer strategy program you access to Benefits Hero, your personal command center for everything health benefit related. This powerful, intuitive app puts your benefits at your fingertips, making it easy to find care, track spending, access ID cards, and more. It’s modern, effortless, and designed to simplify your healthcare experience like never before.
Telemedicine
Through our partnership with Clever Health, you get 24/7 access to smart, convenient virtual care—wherever you are. From primary care and mental health counseling to expert advice for your pets, licensed providers are just a tap away, making it easier than ever to take care of your health (and theirs) on your schedule.
Contact Us
Have questions about Agency Benefits Group? We're here to help! Whether you're exploring your options or ready to get started, our full-time, dedicated team of support staff are available and happy to answer your questions, and guide you through the process. Reach out today - we look forward to supporting you every step of the way.
Have Questions or Need Support?
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Ready to obtain your free quote or establish your health program?
