For Business Owners
From solo agents to growing teams, the ONE Healthcare System delivers full-featured ACA-qualified medical plans and add-ons like dental, vision, and disability — designed to protect your health and your business.
Your Enrollment Journey
A guided path through every layer of the ONE Healthcare System — from major medical to enrollment.
Step 01 · Core Coverage
Cigna Major Medical · Powered by Triad
Nationwide Cigna PPO access, predictable costs, and straightforward benefits — no networks to guess, no surprises to budget for.
Realty ONE Group network members with a registered:
Year-round enrollment. Coverage begins the first of the month of your choosing. Plans cover pre-existing conditions and are underwritten — businesses with fewer than 25 enrolled employees complete a health questionnaire; 25+ businesses provide a census only.
Want $0 out-of-pocket teens for your team? Ask about the Advanced Plan.
Step 02 · Additional Insurance
Dental & Vision
MetLife · PDP Plus Network
MetLife · VSP Vision Network
Step 03 · Income Protection
Life & Disability
$10,000 base life per eligible employee — 1x salary for a company of 10, higher amounts available for owners and leadership.
Learn MoreEmployees up to $450K, spouse & child life available. Guaranteed issue $150K employee / $10K spouse at first eligibility.
Learn MoreWeekly benefits begin after 2 weeks, payable for 11 weeks. Employer-paid or employee-paid options.
Learn MoreUp to 60% of income to $10,000/mo payable to retirement age. Own-occupation protected for 24 months.
Learn MoreStep 04 · Round It Out
Additional Benefits
Low or High plan options that pay in addition to your medical coverage for covered events.
Review SummaryLump-sum benefits to use as you see fit, including expenses your medical plan doesn't cover.
Review SummaryLump-sum cash payments for covered hospital events, regardless of other medical plan payments.
Review SummaryCoverage for common legal issues — estate planning, home sales, tax audits, and more.
Review SummaryIdentity monitoring and fraud protection to help keep your information private.
Review SummaryStep 05 · Final Step
Start Here!
When you hit submit, you will receive an email with two instructions. First, as the plan administrator, to add your employees' names and email addresses; second, to complete your own Personal Health Questionnaire (PHQ) for enrollment. When this is completed, your employees will receive an email to complete their own PHQ. Once the applications are complete, underwriting will take about a week.
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