We have the business health care alternative! These plans very unique and different from the typical health care plans. Imagine: 0 deductibles / first dollar coverage, no medical underwriting nor pre-existing condition exclusions (on base plans), no open enrollment constraints (sign up any time), a portion of the unused claims fund returned to employer at the end of the year. Yet it has what you would expect in a robust, broad-ranging medical benefits program which includes ACA mandated coverages and uses the nation's largest private PPO network with thousands of primary hospitals and licensed board-certified physicians. Are these health care plans laden with benefits and features? Yes. Do these plans cover hospitalization, professional services, inpatient and outpatient, urgent care, psyche and substance abuse, surgery? Preventative and wellness. Absolutely. Vision. Dental. Pharma. Of course.