*Rates shown reflect Tier 4 of 13 available rate tiers. Final rates may be higher or lower following underwriting (approx. 10 days). All plans are PPO network plans underwritten by TRIAD, utilizing the Cigna PPO Network.

Who Is Eligible

LLC, C-corp or S-corp, or sole proprietor with an EIN from the IRS — any registered ASID member with a business entity qualifies.

Employer-Sponsored, Underwriting Required

This is an employer-sponsored plan. Each covered person completes a health questionnaire (or a census for 25+ employees), and rates may adjust after underwriting.

Also Included in Your Plan

✓Full CIGNA PPO network including hospitals
✓No-cost virtual urgent care through EVO
✓TrueScripts helps you find the best price for your medications.
✓Securus Member Portal for benefits tracking
✓Health Savings Account (HSA) options

Review All Plan Rates Get a Quote

Step 02 · Eligibility & What to Expect

Confirm you qualify — and know what happens next

Everything about eligibility and enrollment, answered up front.

State Availability

Our Cigna PPO plan is available in most states, with a few exceptions:

Minnesota: Minnesota businesses have a separate program. View Minnesota options →
Idaho, Maryland, North Dakota, and South Dakota: Available for businesses with 5 or more employees through a new plan option coming soon. Complete the quote form to request a quote.
New York: Not currently available. Explore options at HealthCare.gov →

Business entity requirements

You're eligible if you have an LLC, a C-corp or S-corp, or are a sole proprietor with an EIN from the IRS. Registered ASID members with any of these qualify.

Getting an EIN is free and takes about 15 minutes on the IRS site. Sole proprietors without one aren't eligible until they obtain it.

Underwriting

These are employer-sponsored plans, so each covered person completes a short personal health questionnaire during enrollment. Employers with 25 or more enrolled employees submit a census instead of individual questionnaires.

Displayed rates may adjust after underwriting completes, typically about 10 days.

Coverage for remote or out-of-state employees

Yes. The PPO network is national, so you can offer coverage to employees in other states with no restriction.

Pre-existing conditions

All plans are ACA-qualified and cover pre-existing conditions. Current providers, treatments, or medications may not carry over to the new plan. If you have an ongoing health condition, talk to an Arcwood Benefits consultant before enrolling to avoid a gap in care.

Does the whole company have to enroll?

No. Only employees who want coverage need to apply. The employer can contribute toward premiums and employees cover any remaining balance — there's full flexibility on who enrolls.

Enrollment timing

Enrollment is available year-round. Coverage can start immediately, in 30 days, or in 60 days depending on what the employer selects. Eligible members can also add supplemental coverage.

Step 03 · Dental & Vision

Complete the Picture with MetLife

Add dental and vision coverage to round out your medical plan.

Dental Insurance

MetLife dental coverage through the PDP Plus Network includes preventive care at 100%, basic services at 80%, major services at 50%, and orthodontia for children and adults. Annual maximum options are $1,500 or $2,500 per member.Review Basic Summary Review Premium Summary

Vision Insurance

MetLife vision coverage through the VSP Vision Network includes exams, lenses or contacts, and frames every 12 months, plus savings on additional eyewear and laser vision correction.Review Summary

Step 04 · Income Protection

Add Life & Disability

Life and disability coverage that protects you and the people who depend on you.

Basic Life Insurance

Employer-provided life coverage that gives your family a financial safety net, included as part of your benefits package.Review Summary

Supplemental Life

Optional additional life coverage you can elect for yourself and your dependents, beyond the basic employer-provided amount.Review Summary

Short-Term Disability

Income replacement that begins after a two-week waiting period if you're unable to work due to a covered illness or injury.Review Summary (STD 1100)Review Summary (STD 1200)

Long-Term Disability

Extended income protection of up to 60% of your income for longer-lasting conditions, subject to plan limits.Review Summary (LTD 5000)

Step 05 · Round It Out

Round Out Your Benefits Package

Optional supplemental coverage for extra peace of mind.

Accident Insurance

Pays cash benefits directly to you for covered accidental injuries, helping offset deductibles and everyday expenses during recovery.Review Summary

Critical Illness

A lump-sum benefit upon diagnosis of a covered serious illness, giving you financial flexibility when you need it most.Review Summary

Legal Plans

Affordable access to attorneys for common legal matters like wills, contracts, and document review.Review Summary

Identity & Fraud Protection

Monitoring and restoration services that help protect your identity and resolve fraud if it occurs.Review Summary

Step 06 · Get a Quote

Request your quote

Once you understand eligibility and plan options, request your quote to move forward.

What happens after you submit

You'll receive an email with two next steps:

1As the plan administrator, add your company details and — if applicable — employee names and email addresses.
2Complete your own personal health questionnaire for enrollment.

If you added employees, each one gets an email to complete their own questionnaire once the administrator's form is done. Underwriting takes about a week after everything is submitted.

Plan availability varies by state. Please include your business ZIP code so we can confirm your options.

Enjoy Nationwide Cigna PPO access, predictable costs, and straightforward benefits.

No network guesses. No surprises for your budget.

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