Coterie Advisors Expands their Fundamental Care Program with the Launch of Limited Benefit Indemnity Medical Plans for Employers

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Their combined strategy of unique medical plan solutions, for different carve-out classes of employees, will offer benefit brokers something new and innovative for their employer group clients.

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This addition of Limited Benefit Indemnity Plans combined with our Level-Funded Limited Day Health Plans offers a solution from Coterie Advisors that no one else in the marketplace is doing.

Coterie Advisory Group Inc., whose founding partners include some of the original founders of Star HRG (Starbridge) and Ternian Insurance Group, have announced the launch of employer-focused Limited Benefit Indemnity Medical Plans. Marketed under the Fundamental Care brand name, Coterie Advisors will now offer Limited Benefit Indemnity solutions for large employers with part-time, hourly and seasonal workers – an employee benefits marketplace they have decades of experience in.

Their Limited Benefit Indemnity plans will allow employers to offer affordable and unique health insurance options for their uninsured, part-time and hourly workers which provides coverage for basic medical expenses. This new addition will complement Coterie Advisor’s flagship product, their level-funded Limited Day Health Plan, which offers near-comprehensive coverage at 30-40% less than the cost of traditional high-deductible group health plans.

Through a combined offering strategy, Fundamental Care allows large employers to strategically offer customized benefit solutions to different classes of their employee population for little to no cost to the employer. Employers can reward a carve-out segment of their employee population who are tenured/key employees with a higher-level of medical coverage and employer contributions, while providing all other part-timers with day-one voluntary coverage.

Aaron Cook, President of Coterie Advisors, said “Our founding partners have spent our careers focused on providing affordable health insurance alternatives to meet the unique needs of employers and their part-time employees.” He added, “We have always found ways to be innovative with our programs while offering benefit brokers a strategic and consultative approach for their clients. This addition of Limited Benefit Indemnity Plans combined with our Level-Funded Limited Day Health Plans offers a solution from Coterie Advisors that no one else in the marketplace is doing.”

The affordability void in healthcare continues to be a major issue in the United States. With over 28 Million uninsured and 70% of workers living paycheck to paycheck, Coterie Advisors continues to manufacture solutions that meet the needs of the underserved. Fundamental Care provides access to unique and affordable insurance benefits on a guarantee issue basis. Limited Day and Limited Benefit Indemnity plans can be customized and structured with affordable premiums and no deductibles. The plans are high in potential coverage and include upfront, day-one benefits – healthcare employees can actually use. Both plans meet the employer’s ACA mandated requirement for offering Minimum Essential Coverage.

Coterie Advisors believes they are well-positioned to meet the “new normal” of marketplace needs based on the changes that will result from the current economic environment. For more information, please contact your employee benefits broker or visit or


Coterie Advisory Group, Inc. is a Scottsdale-based, insurance program manager and national marketing agency. The founders of Coterie Advisors are comprised of a team of insurance and benefits professionals who have dedicated their careers to the benefits marketplace. They have held various Leadership and Executive roles at multiple insurance carriers, agencies, and platform administrators. Their drive has helped thousands of employers and millions of individuals obtain quality, affordable care. Coterie Advisors focuses on niche insurance and benefit programs and has life and health insurance licenses in all 50 states as well as property and casualty.

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