Individuals
Health plan for individuals
Health, Vision, Dental, Life and Benefits.
Let’s build a plan that works for YOU
Through Associate membership in CSJB, Associate Members can obtain access to health benefits offered by the CSJB Health and Welfare Trust Fund.
| H&W 125 | DENTAL 125 | VISION 125 | LIFE 10K | ADMIN125 | Union | Total | |
|---|---|---|---|---|---|---|---|
| Employee Only | $731.00 | $65.00 | $10.00 | $5.00 | $100.00 | $27.00 | $938.00 |
| Employee + Spouse | $1,500.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,884.00 |
| Employee + (Children) | $1,146.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,530.00 |
| Employee + Family | $1,636.00 | $190.00 | $35.00 | $5.00 | $200.00 | $27.00 | $2,093.00 |
| Waived Employees | $5.00 | $27.00 | $32.00 |
H&W, Dental, Vision and Life benefits are part of a benefits package.
5 year average renewal of less than 3% – Trust established in 1958 – BCBS network since 2004 – Enrollment available year round – No underwriting
Our Approach
Our proven workflow
Better Benefits for Independent Contractors and Companies
Freelancers
Freelancers often face high costs for individual health plans. PEO4You offers group plans with comprehensive benefits, making it easy and affordable to get quality coverage that suits your flexible lifestyle.
Independent Contractors
Independent workers can struggle to find affordable health insurance. PEO4You helps by providing access to group plans with great coverage options, offering peace of mind and financial stability without the need for a traditional employer.
Individuals
Navigating health insurance alone can be tough. PEO4You simplifies it with tailored group plans that lower costs and provide reliable coverage, ensuring you have the support you need without
Independent Worker
Health Plans
Our services provide comprehensive solutions for individuals and independent workers seeking reliable and affordable coverage. By offering group health plans, we ensure access to essential benefits like preventive care, specialist visits, and prescription coverage, along with additional options for dental and vision care. Our services also include life insurance to help you plan for the future and protect your loved ones. With streamlined enrollment and personalized support, we make it easy to find coverage that meets your needs without the high costs often associated with individual plans.
Health & Wellfare
Get the health coverage you need with affordable group plans. Enjoy comprehensive benefits, including preventive care, specialist visits, and prescription coverage, all designed to keep you healthy and secure.
Dental
Maintain a bright, healthy smile with our dental plans. From routine cleanings to more advanced care, group plans make it easy and cost-effective to access the dental services you need.
Vision
Clear vision is essential, and our vision plans provide coverage for exams, glasses, and contact lenses. Get affordable, quality eye care that fits your needs and budget.
Life
Plan for the future with reliable life insurance options. Group plans offer peace of mind by providing financial security for your loved ones, ensuring they’re protected when it matters most.
FAQ
Frequently Asked Questions
What should I consider when choosing an individual health plan?
When selecting a health plan, consider factors such as cost (premiums, deductibles, and out-of-pocket maximums), coverage options (including preventive care, emergency services, and prescription drugs), and network restrictions. Make sure the plan covers your preferred doctors and healthcare providers.
Can I switch health plans after enrollment?
Generally, you can switch plans during open enrollment periods, which occur annually, or if you qualify for a special enrollment period (SEP) due to life events such as marriage, birth of a child, or loss of other coverage. Make sure to review your options each year, as plans and premiums can change.
What are out-of-pocket maximums?
The out-of-pocket maximum is the most you’ll have to pay in a year for covered services. After you reach this amount, the plan covers 100% of the allowed amount for covered services. This includes deductibles, copayments, and coinsurance but not your monthly premium.