3–200
employees per eligible group
2 Years
rate guarantee on every group
Up to 29%
below renewal (results vary)
Every group is different. Each quote is built on that group's own census and claims data.
WHAT IS WELLGUARD?
Captive Strength.
Small-Group Simplicity.
WellGuard Assurance is a small group captive health plan for employers with 3 to 200 employees. It isn't level funded. As a captive, it gives small groups the kind of structure and rate stability usually reserved for much larger employers.
Rates are locked for two years, and every quote is built on that group's own census and claims data.
Add WellGuard to your offering and give your small-group clients a real alternative when renewal season comes around.
Have clients with both W-2 employees and independent contractors? WellGuard covers the team on payroll, and GigCare reaches the contractors around it.
WellGuard is a fit for employers who want stable, competitive health benefits without bracing for a steep increase every year. Ideal for:
Small employers with 3 to 200 employees staring down a steep renewal
Groups too small to self-fund on their own but ready for more control
Employers who want rate stability they can actually plan around
Brokers growing a small-group book
Groups heading into their next renewal
Employers who've struggled to meet participation minimums
Built for Small Groups. Ready for Their Renewal.
WHO WELLGUARD IS FOR
WHY IT WORKS
What Your Clients Actually Get
A true captive, not level funded
A small group captive plan that gives employers the structure of a larger group without having to go it alone.
Built for groups of 3 to 200
Designed for the small employers traditional carriers tend to overlook. Eligible groups start at just three employees.
2-year rate guarantee
Rates are locked for two years, so employers can budget with confidence instead of bracing for the next renewal.
Up to 29% below renewal
Groups have seen rates up to 29% below their renewal. Every group is different, and every quote is built on real data.
No minimum participation
As long as at least three employees enroll, there's no participation requirement to meet.
Prescription savings built in
ScriptAide support through Detego helps members get their medications at discounted rates.
FOR BROKERS
Quoting Starts With Three Things
WellGuard quotes are built on real group data, not estimates. That means a sharper number for your client and fewer surprises after the sale.
Send us the census, the current renewal, and claims data if the group has it. We'll take it from there and come back with a quote your client can compare side by side with their renewal.
Employee census
Current renewal information
Claims data, if available
A group of 3 to 200 employees
What We Need to Quote
