Karen M.
Absolutely loving the plan! Better than all other health insurance plans I have had. They have been flexible with my needs and it feels like I am getting a VIP, concierge treatment from customer service. I come from many years working in the health insurance industry. I didn't think my experience could be this good.
Krystal Solimine
We are loving the BENEFITRA plan. It is a much smoother experience with claims getting approved quickly. Just a much smoother experience and at a lower price than the alternative. I’m already telling friends and colleagues about it!
Chrystin Comeau
Sam worked with us to decrease our health costs by nearly 50% without rasing the deductible on employees or limiting the doctor network. These savings enabled us to add additional, valuable benefits. He was always willing to take a call or zoom meeting to epxlain anything we had questions about. The insurance landscape can be complicated and hard to navigate, but he helped us make great, informed choices.
Chelsea Curtis
Sam is an incredible asset to a small business like ours. He was able to balance simplicity with inclusivity and completeness so that we were able to make choices that make our employees happy, and for much less than we expected. In addition to their deep knowledge, they have provided exceptional service by responding quickly and providing thoughtful business solutions.
Jack Bazarbachian
Without changing payroll or undergoing medical underwriting, Sam helped reduce my business's health insurance rates by nearly 50%, all while improving the plan's benefits and network. He made the process effortless.
Scarlett Bartlett
MCLD has been working with Sam for many years. As we have grown and evolved as a company, they have been providing expert advice for our changing needs to help keep things simple and effiecient for the business and keep our employees happy. If and when anything comes up, we can always be confident that they will be there to help.
Jameson Reeves
I got a big health insurance rate increase, and I didn't like the recommendations from my large, nationally recognized employee benefits agency, so I decided to speak with other agencies. None of them could provide the same level of solutions that Sam was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health insurance benefits.
Patrick Therrien
We were able to save almost 50% on our medical rates while fulfilling everything we were looking for
Jacqueline Bellan
Sam is an expert in HR and Benefits. He took our preferences and guidelines to provide design solutions for both savings and growth strategies. He also spent time ensuring we understood every aspect of the healthcare plans we were considering, which can be challenging. With Sam’s help, we offered great benefits to our team, saved money, and grew quickly by attracting and retaining top talent.
Alexandra Estrada
Sam Newland is a valuable asset to our company. Thanks to his expertise and guidance, FOUR PAWS USA has made informed decisions to increase coverage and benefits while reducing costs for both employees and the company. We truly appreciate his efforts to provide our employees with high-quality, affordable plans.
Alexander Kady Tschopp
Without changing payroll or going through underwriting, we saved over 50% on our medical plan while upgrading to a PPO, improving benefits, and reducing expected renewal increases. The savings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth.
How Health Plans Should Be
Transparent Affordable Easy
● No Hidden Fees. No Profits from Claim Denials.
● Unmatched Network. More Doctors, More Choices.
● Lightning-Fast Approvals. Less Hassle, More Care.
● Real Support. A Dedicated Claims Expert.
Because Your Health Plan Should Work for You-Not Against You.
Your Health. Your Care. Your Money.
A Smarter Way to Protect Your Health & Your Money
Unlike traditional health plans, BENEFITRA cannot profit from claim denials - ERISA laws make it illegal. Your premiums go
toward your care, not corporate bonuses.
● Shockingly Low Renewal Increases - 6 Consecutive Years of 3% or Less
● Lower Claim Denials than Industry Benchmark
● More Cost Transparency
Your health should never be a business model. With BENEFITRA, it isn't.
The High Premium
Increase Solution for
Health Coverage
Rising premiums shouldn’t hold your business back. See how BENEFITRA helps reduce costs and stabilize benefits year after year.
Choose the Best. Stay Covered.
A High Premium Increase Solution For
Health Coverage
Rising premiums shouldn't hold your business back. See how BENEFITRA helps reduce costs and stabilize benefits year after year.
Built to keep your premiums stable and your coverage secure.
BENEFITRA is one of 6 strategies we offer as an independent brokerage. Not sure which is right for you? We'll show you all your options — free, no obligation.
*70% of companies say yes once quoted. We show all the options — the right one becomes obvious.
six-year totals estimated. For information only.
BENEFITRA
Smarter, Faster, and More Reliable Healthcare
Experience the future of Healthcare with rapid approvals, fewer denials, and lower costs - because your health shouldn't wait.
Claim Denials
The Largest PPO
Network in America
With the Blue Cross Blue Shield PPO network, you get access to the largest provider network in the U.S. - bigger than UHC, Aetna, and Cigna
● More Doctors. More Mental Health Therapists. More Hospitals.
● Nationwide Coverage — Coast to Coast.
● Seamless Access — No Referrals Needed.
Choose the Best. Stay Covered.
BENEFITRA
Smarter , Faster, and More Reliable Healthcare
Experience the future of Healthcare with rapid approvals, fewer denials, and lower costs - because your health shouldn't wait.
BENEFITRA
Smarter, Faster, and More Reliable Healthcare
Experience the future of Healthcare with rapid approvals, fewer denials, and lower costs - because your health shouldn't wait.
Claim Denials
Your Health. Your Care. Your Money.
A Smarter Way to Protect Your Health & Your MoneyUnlike traditional health plans, BENEFITRA doesn't profit from
claim denials-ERISA laws make it illegal. Your premiums go
toward your care, not corporate bonuses.Shockingly Low Renewal Increases
Lower Claim Denials
More Cost Transparency
Your health should never be a business model. With PFO4YOU, it isn't.
BENEFITRA
Smarter , Faster, and More Reliable HealthcareExperience the future of Healthcare with rapid approvals, fewer denials, and lower costs - because your health shouldn't wait.
Experience the future of Healthcare with rapid approvals, fewer denials, and lower costs - because your health shouldn't wait.
How Health Plans Should Be
Transparent Affordable Easy• No Hidden Fees. No Profits from Claim Denials.
• Unmatched Network. More Doctors, More Choices.
• Lightning-Fast Approvals. Less Hassle, More Care.
• Real Support. A Dedicated Claims Expert.
Because Your Health Plan Should Work for You Not Against You.
The Largest PPO Network in America
1.8 Million Providers. More Choices. Better Care.With Blue Cross Blue Shield PPO Network, you get access to the largest provider network in the U.S. - bigger than UHC, Atena, and Signa
More Doctors. More Mental Health Therapists. More Hospitals.
Nationwide Coverage - Coast to Coast.
Seamless Access, No Referrals Needed.
Choose the Best. Stay Covered.
Vetted by Medical and Financial Industry Partners
Comprehensive Health Plans for Individuals, Families &
Small Businesses
See The Difference BENEFITRA Makes
Independent Contractors, Sole Proprietors and Families
Small Businesses with Less Than 500 Employees
See The Difference BENEFITRA Makes
My wife's medical emergency resulted in $300,000 in medical bills and over 90 claims - not one of them was denied and all costs covered by our $3800 per year max. She is still going to PT after 140 visits and we don't need to call and get more approvals. The rehab staff rave about our coverage. Also, I was the first patient in over eight years whose PRP treatments were covered, saving me over $3900. This plan really works.
See The Difference BENEFITRA Makes
My wife's medical emergency resulted in $300,000 in medical bills and over 90 claims - not one of them was denied and all costs covered by our $3800 per year max. She is still going to PT after 140 visits and we don't need to call and get more approvals. The rehab staff rave about our coverage. Also, I was the first patient in over eight years whose PRP treatments were covered, saving me over $3900. This plan really works.
— Vin Cannistraro, BENEFITRA Member
Protects You More than Standard Health Plans
Human-Centered Claims Management
Approximately 80% of medical bills have errors such as wrong codes and duplicate charges. With BENEFITRA, you will have a dedicated representative committed to helping bring your costs down by identifying and eliminating these errors and finding you discounts and savings. Say goodbye to never-ending phone trees, transfers, and having to explain your situation over and over.
Read More
Your Premiums Work for You
Unlike traditional plans, BENEFITRA doesn’t profit from claim denials or premium hikes—ERISA laws make it illegal. Brokers and plan administrators only earn from admin and union fees, so our focus stays on your care, not squeezing your wallet.
Read More
Cost Transparency & Affordable Renewals
At BENEFITRA, keeping costs low is the goal. That’s why we offer free Teledoc visits and let you compare procedure prices before scheduling. Over the past 5 years, our rates have increased less than 16%, while others jumped 30%+ in just one year. We stay transparent so you can stay protected.
Read More
BENEFITRA = Faster, Smarter, Affordable Healthcare
No Delays. Fewer Unnecessary Denials. No Wasted Dollars.
Experience Healthcare Built for You
Proactive Claim Protection
Traditional health plans may have financial incentives tied to claim denials. BENEFITRA is different. ERISA laws prohibit claim denials from turning into corporate profits. Instead, we partner with to streamline approvals and protect your access to care.
Fewer Denials, Faster Approvals, Less Stress
- 90%+ claim denials prevented before they even happen.
- Data-driven cost savings to lower out-of-pocket expenses.
Fast-Tracked Savings on Your Medical Bills
Advanced cost-management technology proactively reduces medical expenses, ensuring you pay less for the same high-quality care. Whether it's a hospital visit or routine checkup, your costs stay lower compared to traditional plans.
Covering All 10 ACA-Mandated Essential Health Benefits
BENEFITRA offers comprehensive major medical coverage designed to support individuals, families, and small business owners with nationwide access and dependable protection.
Preventive Services
Routine checkups, screenings, lab work, and immunizations covered to support ongoing health and early detection.
Primary & Specialist Care
Access to a broad network of doctors and specialists, making it easier to receive care for both routine and complex needs.
Emergency Care
Coverage for emergency medical services at hospitals nationwide, including urgent situations that require immediate attention.
Mental Health Services
Support for therapy, counseling, and behavioral health care through covered mental health services.
Inpatient Hospitalization & Surgeries
Coverage for inpatient hospital stays, surgeries, and medically necessary treatments when hospitalization is required.
Imaging & Advanced Diagnostics
Diagnostic services such as X-rays, MRIs, CT scans, and lab testing are covered as part of your medical care.
Chiropractic Services
Coverage for chiropractic care, physical therapy, and outpatient rehabilitation for qualifying conditions.
Maternity & Newborn Care
Care for pregnancy, childbirth, and newborn services, supporting families before and after delivery.
Pharmacy Benefits
Prescription drug coverage for a wide range of medications, helping manage both preventive and ongoing treatment needs.
Pediatric Services
Medical care for children, including pediatric visits, supporting healthy growth and development.
More Health, More Benefits
BENEFITRA offers healthcare benefits to independent contractors and small businesses that cannot otherwise participate in a group health plan due to size.
Book your free consultationH&W, Dental, Vision and Life Benefits are Part of a Benefits Package
6 consecutive renewals of 3% or less – Trust established in 1958 – BCBS network since 2004 – Enrollment available year round
2026 Rates
Features | H&W 125 | DENTAL 125 | VISION 125 | ACCIDENT | LIFE 10K | ADMIN125 | Union | Total |
|---|---|---|---|---|---|---|---|---|
Employee Only | $746.00 | $75.00 | $15.00 | $12.00 | $10.00 | $100.00 | $27.00 | $985.00 |
Employee + Spouse | $1,530.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,959.00 |
Employee + (Children) | $1,169.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,598.00 |
Employee + Family | $1,669.00 | $220.00 | $45.00 | $12.00 | $10.00 | $200.00 | $27.00 | $2,183.00 |
Waived Employees | $10.00 | $27.00 | $37 |
Accident coverage is for Employee/Member only
Groups above 10 have custom ancillary rates
First Year Dental Max is $1,000, Second year increases to $2,000
Surcharge for 4 or more dependent children – Dental :$50 , Vision: $15 per child.
Drawn from the rates table above.
Estimate Your Taft-Hartley Premium
Enter your subscriber count by tier to see your estimated monthly premium with BENEFITRA's Taft-Hartley plan.
Wondering how your current renewals compare to BENEFITRA when employee health changes?
Compare With Our Premium Renewal Stress Test →Explore ROI strategies, model premium renewal scenarios, and uncover cost-containment opportunities for your group.
Access All of Our Interactive Business Benefits Tools| Tier | Monthly Cost |
|---|
Links of Interest
Know Your Health & Wellness Benefits
At BENEFITRA, we believe comprehensive healthcare should be accessible, transparent, and tailored to your needs. That’s why every member receives a complete benefits package — medical, dental, vision, and life benefits — designed to give you peace of mind and real value.
Medical
BCBS PPO National Network
| Deductible: | $1,000 |
| Coinsurance: | 80/20 |
| Out-of-Pocket: | $3,800 |
| Primary Care Co-pay: | $25 |
| Specialist Co-Pay: | $50 |
| Medications: | Generic 10%; Brand 35% (see SBC for more details) |
| Wellness & Teledoc Visits: | No Charge |
(In-network only)
See Health Plan Outline for More Details
Dental
Principal PPO Dental Network
| Annual deductible network | Coinsurance network pays | |
| Preventative | $0 | 100% |
| Basic | $50 | 80% |
| Major | $50 | 50% |
Max benefit: $2,000 per calendar year
New Benefit: Implant coverage (see SBC for details).
Out-of-Network Coverage Available (Click Here to See Claim Example)
Vision
VSP Vision
| Exams: $10 copay, 1 exam every 12 mo |
| Glasses: $25 copay for single lenses |
| Frames: Up to $250 every 24 mo |
| Contacts: Up to $250 every 12 mo |
LIFE
10K Death Benefit
Accident
Click to Review Plan DetailsThe Largest Network in the Country
Same Rates Nationwide
Serving clients across the US
Americans get benefits from multi-employer and Taft-Hartley plans
States. Nationwide Coverage
Get Started
Book your free consultation
The Largest Network in the Country
Same Rates Nationwide
Serving clients across the US
Americans get benefits from multi-employer and Taft-Hartley plans
States. Nationwide Coverage
Get Started
Book your free consultationThe Largest Network in the Country
Same Rates Nationwide
Serving clients across the US
Americans get benefits from multi-employer and Taft-Hartley plans
States. Nationwide Coverage
Get Started
Book your free consultationGoogle Reviews
Rated 5/5 based on 44 Customer Reviews
What Our Clients Say
Read how employers and families found the right coverage
and hear their success stories.
Chrystin Comeau
Jameson Reeves
Jack Bazarbachian
Dr. Hoorbod D, DO
Patrick Therrien
Dr. Elion Krok, MD
Krystal Solimine
Karen M.
Alexandra Estrada
Alexander Kady Tschopp
Scarlett Bartlett
Chelsea Curtis
Jacqueline Bellan
Vin Cannistraro
Chrystin Comeau
Jameson Reeves
Jack Bazarbachian
Dr. Hoorbod D, DO
Patrick Therrien
Dr. Elion Krok, MD
Krystal Solimine
Karen M.
Alexandra Estrada
Alexander Kady Tschopp
Scarlett Bartlett
Chelsea Curtis
Jacqueline Bellan
Vin Cannistraro
Health
Life
Dental
Vision
Health
Life
Dental
Vision
Health
Life
Dental
Vision
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Affordable health and benefits plans for small businesses, freelancers, and independent contractors.
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- Search the provider directory
- Update the Provider City
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- For Double Last Names such as Manuel-Lopez try:
- Manuel
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Do NOT:
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