Why Small Groups Face Coverage Challenges 

Carriers usually require minimum group size or employee contribution thresholds to offer group plans. If you have a small business or rely on freelancers and part-time staff, it often gets shut out. These groups end up paying more, settling for inferior plans, or going without coverage altogether—a major blind spot in the market. 

How BENADVANCE’s Group Aggregation Works 

BENADVANCE uses group aggregation to pool together multiple small groups into a robust risk pool. This model enables access to group plans without the traditional barriers: 

• Bypasses carrier minimums. Even groups with two or three employees can get group coverage. 

• Unlocks PPO access. Plans from trusted national providers—like Cigna, PHCS/Multiplan, Anthem BCBS, and QualCare—become available. 

• Expands plan variety. Brokers can compare multiple offerings, crafting tailored solutions rather than forcing clients into a one-size-fits-all option. 

Pooling Doesn’t Guarantee Lowest Costs—but It Does Offer Value 

BENADVANCE doesn’t promise the lowest premium on every plan. Instead, it ensures that clients get the right plan with real PPO access and stable coverage. Brokers can show clients why certain plans cost what they do and where the value lies—especially when provider access and plan quality matter more than marginal premium differences. 

Why Brokers Win 

With BENADVANCE, brokers gain a strategic edge: 

• Serve groups others can’t. Open doors for underserved clients and smaller employers. 

• Close deals faster. Brokers can confidently present group options from the start. 

• Retention improves. When clients get quality coverage that fits their needs, they stay enrolled longer. 

BENADVANCE empowers brokers to expand their reach and influence without sacrificing client service. 

Real Impact on Clients 

• Startups and fledgling businesses gain entry to PPO-rich group plans. 

• Freelancer teams and mixed workforces receive consistent group benefits they couldn’t access alone. 

• Family-run operations compete for talent with credible benefit packages. 

BENADVANCE empowers brokers to offer more than coverage—they offer confidence. 

Conclusion:
Group buying power isn’t just about lower costs—it’s about opening opportunities. With BENADVANCE, brokers can confidently serve small, underserved groups with group coverage that delivers PPO access, choice, and stable pricing. That builds trust, wins new clients, and grows your business.