When helping clients shop for health insurance, brokers know the marketplace can be limited- especially for individuals who don’t qualify for ACA subsidies. That’s where BENADVANCE comes in. Our Smart Health Plans offer a flexible, year-round solution with broad national PPO networks and competitive rates.

BENADVANCE Flexible Plans Built for Real Life

BENADVANCE understands that one-size-fits-all doesn’t work in health coverage. Our PPO plans are designed with customization in mind, allowing clients to choose the level of coverage that best meets their needs- without being tied to income thresholds or the rigid structures of marketplace plans. And because we offer year-round enrollment, there’s no need to wait for Open Enrollment or a Qualifying Life Event. Clients can enroll any time it suits them.

Nationwide PPO Networks

BENADVANCE plans feature access to trusted national networks, including:

• Cigna
• Anthem Blue Cross Blue Shield
• PHCS/Multiplan
• QualCare

This gives your clients the freedom to see providers across the country- whether they’re at home or traveling. Unlike many marketplace HMOs, our PPO options aren’t restricted to regional networks.

No Subsidy? No Problem.

Many individuals fall just outside the income limits for ACA subsidies- leaving them to pay full price for plans that often lack flexibility. BENADVANCE was designed with these clients in mind, offering real value without relying on government assistance. Our plans focus on affordability, flexibility, and access– not bureaucracy.

 

Bundled Benefits Beyond Medical

BENADVANCE makes it easy to bundle medical coverage with:

• Dental (no age restrictions)
• Vision (no age restrictions)
• Supplemental insurance, including:
  • Hospital indemnity
  • Critical illness
  • Accident coverage

Supplemental plans pay direct cash benefits starting day one, helping to ease the burden of out-of-pocket expenses.

For Individuals and Any Size Groups

Whether you’re helping a sole proprietor, a 1099 worker, or a small business, BENADVANCE offers scalable solutions. Our platform supports both brokers and HR professionals, ensuring a streamlined experience from quoting to administration. We even offer large group pricing for individuals and small groups, making quality coverage more accessible to more people.

The Right Plans for the Right Clients

If your client isn’t eligible for subsidies—or simply wants more control over their benefits—BENADVANCE’s Smart Health Plans are a strong alternative to marketplace coverage. Year-round enrollment. Broad networks. Bundled benefits. Real value.