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BIND. WHERE HEALTH IS GOING.

Health is personal. Now health insurance is too.



WHAT IS THE BIND PERSONALIZED HEALTH PLAN?

The technical answer is Bind is an ACA-compliant health plan solution available
to employers with 51+ employees, available in all 50 states. The
not-so-technical answer is the Bind plan is a floor-to-ceiling health insurance
remodel, redesigned to work how insurance was meant to work. With the Bind
personalized health plan, you get what you'd expect from your health
insurance—preventive care, urgent/emergency care, maternity care, mental health
services, pharmacy, etc.—plus extra features. This is a health benefit that
actually works for you.

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INDIVIDUALS AND FAMILIES

Health insurance was meant to be a benefit—we redesigned it so it is one.

Learn more



EMPLOYERS

Provide your employees with a positive experience and opportunities to save.

Learn more



BROKERS

Open more doors with clients by bringing them an innovative health insurance
solution.

Learn more



PROVIDERS

Helpful tools and resources for health care providers.

Learn more




WE TOOK HEALTH INSURANCE APART. NOW IT WORKS.

We asked what people want and designed a health plan around that
feedback—medical coverage with a $0 deductible, no coinsurance, clear prices in
advance of seeking care, a broad network of doctors, clinics and hospitals,
opportunities to save, and an experience designed to be easy to use and
understand. It makes sense.


 * YOU'RE COVERED DAY ONE.
   
   $0 deductible. No coinsurance. A benefit that works for you right out of the
   gate, not after chipping away at a deductible.


 * OPPORTUNITIES TO SAVE.
   
   Check costs and compare options before you make an appointment, then choose
   what works best for you. Even better, lower costs are tied to higher-value
   care.


 * DESIGNED TO BE EASY TO USE AND UNDERSTAND.
   
   Find on-demand answers on the MyBind app or MyBind.com with a few simple
   clicks, from anywhere, at any time.


 * THE FREEDOM OF FLEXIBLE COVERAGE.
   
   We keep costs low by separating out a small set of less common,
   non-emergency, plannable tests, treatments and procedures few people need
   annually, if at all. Members activate this coverage if and when it’s needed.


FOCUS ON YOUR LIFE, NOT YOUR HEALTH INSURANCE.

Clear costs in advance for every service. No deductibles and no coinsurance. A
plan designed to be easier to use and easier on your wallet. Watch the video for
an explanation of how the Bind plan works.


THE POSITIVE RESULTS OF BETTER DESIGN.


82%

answered “understand” or “really understand” when asked, "How well do you feel
you understand your coverage with Bind compared to previous plans you were
enrolled in?"I


90%

of Bind members re-enroll in the Bind plan.II


18%

Savings up to 18% compared to traditional managed care plans.III


8/10

8 out of 10 members spend less than $500 out-of-pocket annually.IV


SOME OF OUR CLIENTS

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IN THE NEWS

News — October 13, 2021


4 WAYS TO DESIGN A DIVERSE AND INCLUSIVE HEALTHCARE PLAN

News — October 12, 2021


HEALTH INSURERS HAVE THE POWER TO IMPROVE HEALTH—LET’S DO IT

Press Release — September 14, 2021


VIRGINIA COMPANIES CAN NOW OFFER BIND PERSONALIZED HEALTH PLANS ON A FULLY
INSURED BASIS

News — September 8, 2021


HELP WANTED? FOR FLORIDA BUSINESSES, INCLUSIVE BENEFITS COULD BE THE ANSWER

IMember survey for 2019 Bind self-insured enrollees of one large plan sponsor.

IIThe proportion of Bind members who enrolled in 2020 and re-enrolled in 2021.

IIIBind self-funded 2020 book of business plan sponsors with both medical and
pharmacy data within our warehouse; Milliman 2020 commercial benchmarks and MARA
risk adjustment methodology. Risk adjusted for demographics, geography and
disease burden. We further adjusted the benchmarks to account for COVID effect,
based on the Society of Actuaries 2021 Health Care Cost Model. (Society of
Actuaries, 2021 Health Care Cost Model. Available
at: https://www.soa.org/resources/research-reports/2020/covid-19-cost-model/.
Accessed May 17, 2021.)

IVBind self-funded 2020 members enrolled 12 months, medical and pharmacy claims.




ALREADY A BIND MEMBER OR LOOKING TO ENROLL?

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Administrative services for self-funded group health plans are provided by Bind
Benefits, Inc., and in CA by Bind Benefits Administrators Services. For fully
insured plans, insurance coverage provided by or through UnitedHealthcare Life
Insurance Company (MN) and All Savers Insurance Company (for FL, GA, NC, OH, UT
and VA). Administrative services may be provided by Bind Benefits, Inc., and
United HealthCare Services, Inc., and its affiliates for insurance products
underwritten by All Savers Insurance Company. These policies have exclusions,
limitations and terms under which the policy may be continued in force or
discontinued. For costs and complete details of the coverage, contact your
broker or UnitedHealthcare sales representative. © 2021 Bind. All rights
reserved.


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