Insurance Benefits
Provide your employees with affordable coverage options tailored to their needs, ensuring they have the protection and peace of mind to focus on their well-being.
- Group
- Individual
- Guaranteed Issue
- Medicare
- Voluntary Benefits
MAXIMIZE YOUR BENEFITS
The Value We Provide You
Inclusive Coverage
We offer coverage for individuals, ensuring every employee has access to comprehensive and affordable insurance.
Centralized Platform
Our centralized platform streamlines the entire process, making quoting, enrollment, and re-enrollment a breeze.
Participant Services
We provide diverse insurance plans enhanced with a range of participant services for added support.
Premium Coverage
Cost-Effective Insurance Coverage
Our premium coverage partner, Fortress, offers eight health insurance plans for groups of two or more* and a range of additional insurance benefits, including dental, vision, short- and long-term disability, life, accidental death, and more.
*Available plans vary by group. Due to state regulations, certain plans may only be available to groups of five or more.
Base Coverage
Guaranteed Issue Policy
By leveraging insights into how insurance companies assess risk, VAULT's innovative design typically lowers healthcare benefit costs while enhancing benefits, improving the healthcare experience, and increasing access to care.
*Minimum enrollment required is 2. This plan offers medical access services, not major medical insurance.
Receive a Group Quote
Step One
Fill out the Stoneford Quote Request Form that initiates a preliminary quote.
Step Two
Download a census template and upload to our customer portal, or submit Health Applications or claims data.
Step Three
Receive a detailed quote that outlines all available options and costs.
INDIVIDUAL INSURANCE SOLUTIONS
Looking to support a single employee?
We also offer three cost-effective solutions for individuals to access affordable healthcare: a Medical Access Plan, health insurance on the marketplace, and Medicare for individuals 65+.
YOU MAY NEED TO KNOW
Frequently Asked Questions
What types of plans do you offer?
We offer fully funded, level funded, and guaranteed issued plans. Fortress plans are self-funded or level-funded, with 100% of any surplus staying with the employer, ensuring participating groups benefit fully.
Who serves as the plan sponsor?
Each church entity or nonprofit organization serves as the plan sponsor.
Does the plan include a reference-based pricing feature?
For small groups, the primary option is reference-based pricing with a direct network, direct contracts, and a no-balance-bill guarantee.
Is there stop-loss coverage?
We use multiple A+ carriers for stop loss, including Zurich, Everest, Slico, and US Fire, and can provide copies of the policies upon request.
Does individual organization underwriting ever happen?
Yes, every time until a Group Captive Health Plan is established. The captive plan will only become available once a significant number of participants have joined the plan.
Is there any coverage that our organization would need to provide or be liable for beyond the cost of premiums?
Each product offers specific advance and aggregate options based on funding. The attachment point sets liability beyond premiums. If a small group faces a large reduction and hits the limit, we can add protections for at-risk groups.
Do you offer solutions for individuals?
Yes. We also offer solutions for individual health insurance and Medicare (65+).
