BENEFITS FOR INDEPENDENT CONTRACTORS
High Performance Health Insurance Services recognizes the challenges independent contractors face finding affordable benefits to protect themselves, their career and their families.
That is why we created these unique partnerships, allowing Independent Contractors and small businesses to buy affordable group benefits otherwise available only through large employers. These benefits cater to the financial and social needs of Independent Medical Providers, Real Estate Professionals, IT professionals, and other industry professionals working as 1099’s, Self-Employed and even Small Businesses
Through these exclusive partnerships, you can secure a range of affordable group healthcare plans, financial protections, and family benefits customized to fit your needs and budget. We have a team of well-trained professionals and cutting-edge technology resources available to assist you in your evaluation and selection process.
If you currently have a Term Insurance or Long Term Care Insurance more than a few years old, it is likely there are more flexible and affordable options available to you. To evaluate your term policy, you can use our Shop Your Term resource below to compare your current rate to dozens of carriers.
HIGH PERFORMANCE HEALTHCARE PLANS
Major Medical Plans for Healthy Applicants
LIFE INSURANCE
As an Independent Agency, High Performance represents over 140 Life Insurance carriers. Term Insurance today is a commodity and virtually all carrier polcies are backed by State Guranty Associations. Knowing this, you should always seek the lowest rate. That is where our independence comes into play. We will always assist you in fiding the lowest rate. In fact we built a really cool tool to assist you. https://shopyourterm.com/rb
LONG TERM CARE
Nearly every family has a story of experience with a loved one who required Long Term Care. The burden is not just financial, but emotional and physically stressful as well. Statistics show 70% of folks over 50 will require a form of long term care while only 8% are prepared. Old policies were simply not worth the money but care can run hundreds of thousands of dollars. There is a wide range of new insurance options today that can turn this potential liability into a tax free assett. Contact us to learn more about these valuable options.
FINAL EXPENSE COVERAGE
We are excited to partner with Everest to introduce this exciting new Funeral Concierge service coupled with final expense up to $50,000. When an unexpected eath occurs, there are many decisions that are difficult to make under emotional stress. Everest concierge not only helps you prepare in advance but when that event occurs, their compassionate staff will step in and assist on your to make sure everything is negotiated, paid and executed in accordance with your wishes. This may be the most affordable peace of mind available to you and your family.
401K - IRA ROLLOVER
Did you know you can supercharge your 401k or IRA fee free? Roll over all of part of your balance, receive a 30% Bonus with guaranteed daily compounding interest of 10% for up to 12 years. And even better, you can convert to withdrawal income any time after 12 months and the income is guaranteed for as long as you live. This is a limited time offering but a simple math exercise will determine if this options is right for you. Zero Risk, Guaranteed Return, and Guaranteed Income for Life
ARTIFICIAL INTELLIGENCE FINANCIAL ADVICE
Far too many people rely on Artificial Intelligence or TickTok for financial advice and strategies. So we asked Artifificial Intellignce if that is a good idea or not. We thought we should share the results: No, people should not rely on artificial intelligence (AI) or TikTok for personalized financial advice. While both platforms can serve as helpful starting points for general education, they lack the legal accountability, personalized context, and real-time accuracy required to manage your money safely. [1, 2, 3, 4]
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OTHER INSURANCE PLANS
Long Term and Short Term Disability - 401K R
High Performance is an Independent Agency representing over 140 different financial companies. Rather than selling specific products, we are in a unique position to assist you in finding the right customizable solution for you and your family. For life insurance, our unique Shop Your Term website allows you to see if you are overpaying for your current policy.
We offer multiple solutions for Long Term and Short Term disability, Annuities, 401K rollovers and other retirement options. We specialize in long-term care solutions.
Regardless of your need we are here to help.
Dental Vision Identity Telemedicine
For Dental and Vision coverage, we partnered with Insurance for Everyone. IFE provides an easy to shop website where you can browse all available plans and pricing. Just enter your zip code and date of birth for a quick quote.
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FAQ's
Why Detego Health and the Population Science Management Working Owner Model?
Population Science Management (PSM) is a data research and analytics company with the mission of empowering individuals to earn a small amount of money by sharing survey data responses regarding health and wellness. This information is used to create and improve cost saving options for healthcare coverage. Participation in PSM provide Working Owner Participants access to Affordable Group Benefit Plans. This unique Gold Standard for Working Owners, 1099 self-employed, and Gig Economy workers finally offers a solution with benefits unseen in the individual market.
Self-Employed & Working Owners
These custom plans are designed to offer 1099 employees, Independent Contractors and W-2 employees who do not have access to an employer sponsored plan access to affordable group healthcare plans
(for weatlthwave page) The WealthWave plan is designed to serve our Pro Plus members who don’t have access to a traditional employer-sponsored group health plan.
Participation Assessment:
The Prospect Assessment Questionnaire features 11 questions that screen for serious health conditions or treatments.
- (e.g., organ failure, cancer requiring chemo, kidney disease, severe diabetes, recent major surgeries) to determine if the health programs offered by PSM would be an appropriate fit for the prospect.
- A ‘yes answer from the prospect or their dependents means that the group health care offered by PSM is not a good fit for the member.
What is a PPO? A PPO, or Preferred Provider Organization offers plan participants flexibility in choosing healthcare providers. With the PPO, you can see providers inside and outside of your network, but you will pay less for in-network providers.
What is an EPO? An EPO, or Exclusive Provider Organization, is a type of insurance plan that only covers services from doctors, specialist, and hospitals within its network except in emergencies. EPO’s typically cost less than PPOs.
Critical Note on Medications: PSM’s plans do not cover specialty medications.
- During suitability, check the prospect’s medications against the plan formularies (available on e123 platform). Pay attention to indicators like ‘PA’ (prior authorization) or specialty status—don’t assume a listed drug is covered.
- If a prospect uses specialty high cost medications, again, PSM isn’t a fit.
What do I do if I do not Qualify? If you do not qualify for the PSM GigCare plans you should call our partner No Fear Insurance. They have a team of healthcare navigators who will work with you to find the most affordable and comprehensive plan for you and your family.
You can reach a No Fear Agent for assistance at: 833-818-1650.
What happens to the data? The data is de-identified or blind to the source. The data is aggregated with the claims data from the participating population to make certain the coverages offered are comprehensive and relative to plan participants. This model is designed to keep cost down going forward.
Who is responsible for paying claims? Detego Health administers plans, provides customer support, and pays claims.
Who can buy the plans? The tier one plans are called GIGCare plans, and they are designed specifically for a population without certain pre-existing conditions, chronic illnesses and who are not taking expensive specialty medications. Prior to enrollment prospective members will be screened through a quick Milliman HIPAA assessment.
When is Enrollment? The initial enrollment period begins on November 1 and runs through December 18, 2025, for an effective date of January 1, 2026. However, you can enroll any time during the year by the 18th of the month for coverage the 1st day of the following month. The plans re-set every year on January 1st.
Are plans available nationwide? Each plan is a little different but there are plans available in all states except: Washington, Oregon, California, Hawaii, Vermont, Minnesota, Wisconsin, New Hampshire, Pennsylvania, Connecticut, and Maryland.
Customer Care (Detego Health)
- PSM GIGCARE Thrive (BCBS) has Care Guides available at 866-200-2513 from 7:30AM - 6:00PM CST to support your every need.
- PSM GIGCARE Intelligent (Cigna), PSM GIGCARE Livelihood (Aetna), PSM RBPs and PSM MaxGuard Limited Med plans have Care Guides available at 866-815-6001 from 7:30AM - 6:00PM CST to support your every need.
Member Portal via web (Detego Health) When you are logged on, you can access your ID card, view EOB's and claims, download forms, access your plan documents and much more!
Covered365 mobile app (Detego Health) When you are logged on, you can access your ID card, complete your required surveys, look-up providers and much more!
How do I get a quote? It is easy to find out the cost of each plan. Our costs are fully transparent, and age banded. Choose the coverage you want and simply go to the All-Plans Chart and go to the age of the primary member. Select the deductible that best suits you and the price is listed for each category.
How do I see the plans? Once we determine which plans are best suited for you, we will provide a summary of benefits.
How do I enroll? Click here for a secure link to complete an information sheet for your family or email ENROLL to helpme@highperformanceins.com OR You can call 833-494-6669. A team member will call you and set up a video link to do a live enrollment.
How long does it take to enroll? The video enrollment takes about 10-15 minutes.
How do I pay? Monthly premiums can be paid via ACH draft or credit card.