Guarantee Issue, No medical Questions and No Deductibles

Fundamental care is limited group health insurance for employer groups with five or more enrolled employees. The policy is guarantee issue which means NO medical questions. In addition, the plan has no deductible and most services are covered at 100%. The plan does have limitations on the amount of annual usage. Please see the summary of benefits for more detailed information. 

Plan Highlights

• No Deductible

• 60% of the cost of an ACA plan

• No health underwriting

• Min 5 enrolled for groups under 50

• $50 minimum employer contribution

• Level-Funded

• Available in 20 states

• 12/21 contract

• 100% return of unused employer aggregate deductible

Fundamental Care Brochure 

State Availability