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The ThreeBridges™ Plan

Affordable, compliant protection for hourly, part‑time, and variable workforces.
Minimum Essential Coverage (MEC)
5Star Fixed Indemnity cash benefits
BeneBridge360™ advocacy & bill protection

Plan Components & Why Choose Us

Plan Components

  • Minimum Essential Coverage (MEC) — ACA-compliant preventive services to keep employees healthy and employers compliant.
  • 5Star Fixed Indemnity Coverage — Cash benefits for hospital, ER, and outpatient care, with no deductible.
  • BeneBridge360™ Advocacy — We intercept claims, negotiate savings, and protect members from surprise bills.

Why Choose Us

  • Turnkey and bundled — simplifies quoting and enrollment
  • Clear value story for employers: savings + satisfaction
  • Protects employees from unexpected medical costs
  • Flexible pricing tiers based on employer needs
  • Easy to implement with no carrier change required

Industries We Serve

  • Staffing & Temp Agencies
  • Restaurants & Hospitality
  • Long‑Term Care & Home Health
  • Manufacturing & Warehousing
  • Construction, Retail, and Field Services

Plan Comparison — Core Essentials vs. Complete Solution

BenefitCore EssentialsComplete Solution
Preventive Care (ACA‑required)✔✔
Primary Care Physician Visits3/year3/year
Urgent Care Visits3/year (discounted)3/year (discounted)
Specialist Office VisitsPPO discountPPO discount
Lab & Diagnostic X‑rayPPO discountPPO discount
CT/MRI (outpatient)PPO discountPPO discount
Telehealth (24/7)Free & UnlimitedFree & Unlimited
Behavioral Health (24/7)Free & UnlimitedFree & Unlimited
Prescription Benefits$1 copay generics · 10% coinsurance preferred$1 copay generics · 10% coinsurance preferred

Plan Comparison — Core Essentials vs. Complete Solution

BenefitCore EssentialsComplete Solution
Surgery Benefits—$500/day inpatient · $300/day outpatient
Anesthesia Benefits—$300/day
ER Benefits (Sickness)—$50/day (2 days/year)
ER Benefits (Accident)—$200/day (2 days/year)
Outpatient Diagnostics—$50 labs · $100 X‑ray · $300 major testing
Provider Bill Negotiation—✔
Concierge Claim Guidance—✔
Member Alerts & Advocacy—✔

Detailed Benefits Breakdown

FeatureCore EssentialsComplete Solution
Preventive/Wellness (ACA)Covered at 100%Covered at 100%
Telehealth 24/7 (Multilingual)FREE & UnlimitedFREE & Unlimited
Behavioral Health SupportFREE & UnlimitedFREE & Unlimited
Primary Care Visits3 PPY3 PPY
Specialist VisitsPPO DiscountPPO Discount
Urgent Care3 PPY (discounted)3 PPY (discounted)
Diagnostic X‑ray & LabPPO DiscountPPO Discount
CT Scan/MRIPPO DiscountPPO Discount
Prescription Benefits$1 copay generics · 10% coinsurance preferred$1 copay generics · 10% coinsurance preferred

Detailed Benefits Breakdown

Hospital Indemnity BenefitsCore EssentialsComplete Solution
Hospital Confinement—$1,000/day · 10 days PPY
Hospital Intensive Care Unit—$1,000/day · 10 days PPY
Hospital Admission—$500/day · 1 day PPY
Inpatient Surgery—$500/day · 1 day PPY
Outpatient Major Surgery—$300/day · 1 day PPY
Anesthesia—$300/day · 1 day PPY
ER (Sickness)—$50/day · 2 days PPY
ER (Accident)—$200/day · 2 days PPY
Outpatient Diagnostic Lab—$50/day · 3 days PPY
Outpatient Diagnostic X‑ray—$100/day · 1 day PPY
Outpatient Major Diagnostic Testing—$300/day · 1 day PPY
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PPY = Per Plan Year. Benefits summarized for illustration; see plan documents for complete terms and limitations.