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Welcome to the CBC Health Insurance
Marketplace for Costco Members

Big Benefits for Small Business...
Fill out the form below to get started on a free quote!

See How We Can Make a Difference For You...

 

Small Business Healthcare Can be confusing.
Let us navigate it for you.

Finding suitable Medical Insurance for Small Business owners has never been easier. With the CBC Health Insurance Marketplace for Costco Members, you can access a selection of affordable Small Business Medical Insurance Plans from trusted carriers. Our Healthcare Ambassadors provide personalized recommendations and guide you through the application and enrollment process. Enjoy a hassle-free experience and peace of mind, knowing you are making the best choice for your business.

Shop & Compare

Easily compare and apply for your group's benefits.

  • Real-time Quotes: Get instant quotes for your business.
  • Eligibility: Available for 2-100 employees in CA, CO, and VT, and 2-50 in all other states.
  • Costco Members:  Have access to customized products exclusively for Costco members.

Choice

We offer a wide range of coverage types and carriers for your business.

  • Comprehensive Coverage: Get health, dental, vision, and more.
  • Cost-effective Solutions: Save money with our budget-friendly options.
  • Simplified Administration: Access all your benefits easily in one place.

Healthcare Ambassadors

Your dedicated support for all healthcare needs.

  • Quotes and Enrollment:
    Get help obtaining quotes and completing the enrollment.
  • Provider & Prescription Guidance: Assistance with healthcare providers and prescription drugs.
  • Renewal Assistance: Guidance and support during the renewal process.

 

 

 

Small Business Health Insurance



Benefits of the CBC Health Insurance Marketplace for Costco Members

Dedicated Support:

Whether managing claims or handling billing inquiries, we offer expert assistance tailored to your needs.

Costco Member Value

Our value proposition includes real-time quoting, budgeting tools, and exclusive plan options.

Empowering Your Choices:

Access comprehensive tools for transparent, unbiased health plan selection, perfectly aligning with your needs and preferences.



We work with the top insurance carriers to help you get the best coverage for the best price:

Aetna Logo
Anthem Logo
allied national logo
Kaiser permanente logo
Ameritas logo
United Healthcare logo
Blue Cross and Blue Shield Logo
Oscar Logo
MetLife Logo
EyeMed Vision Care Logo
bCS Logo
The Hartford Insurance Company Logo
View All Insurance Carriers



Team of physicians and nurses

Health Insurance


Our offerings include HMO, PPO, POS plans, level-funded medical plans, prescription drug coverage, and ICHRA plans.

Learn More »
Father and Daughter brushing their teeth

Dental Insurance


Offers customized Ameritas plans, DHMO and PPO dental plans, and voluntary dental plans, with options to select annual maximums and deductibles, along with orthodontia coverage.

Learn More »
Smiling woman wearing glasses

Vision Insurance


Features include customized Ameritas plans, PPO vision plans, annual eye exams, frames and lens coverage, and options to choose copays and frame allowances, including a Lasik discount.

Learn More »
A smiling female business owner with the Level funded advantage logo

Level Funded Advantage


Provides medical and prescription coverage exclusively for Costco Members, rewards for healthy habits, employer-funded small claims payment, and premium refunds for healthy plan years, with PPO network options.

Learn More »
A hand holding a red umbrella over a wooden figures of a family next to a house

Life & Disability Insurance


Includes coverage for employees and dependents, AD&D coverage for accidents, Short-Term and Long-Term Disability plans, income protection, with options for employer-paid and voluntary plans, and flexibility to add to the benefit plan anytime. Learn More »
Nurse practitioner treating an accident patient in a hospital bed

Worksite Bundle


Available only to Costco Members, offers an accident reimbursement plan, lump-sum payments for critical illness, and hospital indemnity reimbursement with guaranteed issues and simplified claims processes.

Learn More »



 

Custom Channel Associate Programs:

BCS logo
  • Bundled Accident, Critical Illness & Hospital plans
  • Reimbursement paid to employee, not the provider
  • One premium for all three plans
  • Premiums paid for by employees
  • Discounted pricing for Costco members
  • Easy enrollment
  • Only one employee needs to enroll
  • Can offer to part time employees

 

Find Out More »

 

Ameritas logo
  • Discounted pricing 
  • 3rd largest dental network 
  • Contracted providers charge 25-50% less 
  • Only 2 employees need to enroll 
  • No premium increase for voluntary coverage 
  • Child ortho coverage down to 2 lives 
  • Dental rewards and incentive coinsurance 
  • Implant coverage in Washington

 

Find Out More »

 

Allied National logo
  • Exclusive level funded medical plans
  • Minimum employer size is two employees
  • Discounted pricing for Costco members
  • Save up to 55% on medical premiums*
  • Unspent claim dollars returned at end of plan year
  • Open access and provider networks available
  • Lower prescription copays at Costco pharmacies

 

Find Out More »

 

Regence Logo
  • Costco cash card for completing wellness incentives 
  • Offer up to 5 medical plan options 
  • Available on consolidated billing program 
  • National provider network 
  • Easy enrollment process

 

Find Out More »

 

 



Small Group Value


  • Choose from medical, dental, vision, voluntary options and more
    Get quotes from leading insurance carriers to provide Members with best in class plans combined with ancillary options that you won’t find anywhere else.
  • Shop and compare plans
    Our quoting tools enable quick access to the plans and programs
  • Review provider access, formularies and plan benefit details
    Real time access to the resources you need to make an informed decision
  • Model contribution strategies
    See the bottom line impact for you and your employees based on your contributions to monthly premium
  • Health Care Ambassadors
    Licensed representatives to guide you each step of the way

 

Get A Quote

 


Healthcare Ambassadors

Give you a helping hand every step of the way on your health insurance journey.

 

 

Let's Get Started

 

2 business men Shaking hands

 

 

ICHRA Health Insurance

hands holding an ipad showing the costco small business support center login page

Comprehensive Administration

 

CBC offers many administrative tools and resources which can be leveraged by both you & our customer support team to manage employee enrollment, carrier billing & all other facets of benefit administration.

 

 

Frequently Asked Questions


  • How many employees do I need to have to receive a quote?

    Answer
    To receive a small business health insurance quote, you typically need at least two employees in most states, although specific requirements can vary. Most carriers will also specify that the second employee must be a W-2 employee who is not the spouse of an owner. These criteria ensure that the insurance risk is adequately spread across multiple individuals, allowing carriers to offer competitive premiums and comprehensive coverage options.
  • When can I start my health insurance plan for my Small Business?

    Answer
    You can initiate a new insurance plan for your small business anytime throughout the year. Most insurance companies commence coverage on the first day of the month, although some may offer a start date as early as the 15th of the month. Each carrier sets a deadline for submitting documents to secure your requested effective date.
  • What Factors Should I Consider When Choosing a Health Insurance Plan for My Small Business?

    Answer
    When selecting a health insurance plan for your small business, consider several key factors:
    • Coverage Options: Evaluate the medical, dental, and vision benefits.
    • Cost: Assess the premiums, deductibles, copays, and cost-sharing arrangements that align with your budget.
    • Network: Ensure the plan includes a network of healthcare providers that meet the needs of your employees.
    • Flexibility: Look for plans that offer flexibility in coverage options and allow for customization based on the needs of your workforce.
  • How Do Health Benefits Impact Employee Recruitment?

    Answer
    Health benefits impact employee recruitment by making a company more appealing to candidates. Candidates prioritize benefits like health insurance when considering job offers. Offering comprehensive health benefits shows potential employees that their well-being is valued, setting the employer apart from competitors and attracting skilled professionals seeking stability and security for their healthcare needs.
  • Does the employer have to contribute towards the premium for the employee?

    Answer
    Yes. Most insurance carriers require a minimum employer contribution of 50% of the employee only premium.
  • How long are rates guaranteed for?

    Answer
    The standard rate guarantee period for medical premiums are 12 months. Ancillary coverages such as vision or life insurance can have longer rate guaranteed periods.
  • What is a deductible?

    Answer
    A deductible is a set amount you must pay before your insurance company starts to share the cost for some covered medical expenses.
  • What is a copay?

    Answer
    A copay is a set amount you’ll pay each time for some covered medical expenses. On some plans these payments start after the deductible is met and on other plans the payments would start immediately. For example, your copay for a routine doctor’s visit might be $50.
  • What is coinsurance?

    Answer
    Coinsurance is the percentage you pay for some covered health care services. Your coinsurance will typically start after you’ve reached your deductible. For example, if your coinsurance is 30%, you’ll be responsible for paying 30% of your medical expenses until you reach your out-of-pocket maximum.
  • What is an out-of-pocket maximum?

    Answer
    An out-of-pocket maximum is the most you have to pay per year for covered healthcare services. When you have spent this amount in a year on deductibles, copays, and coinsurance for in-network care and services, your health insurer will pay for 100% of your covered in-network health care services for the remainder of the year. Out-of-pocket maximums are typically based on a calendar year, but some plans might base it on a plan year.
Can’t find the answer to your question?
Give us a call at (800) 611-9056, click on the chat widget or send us an email
Get Started on a Quote

 


Contact us at (855) 332-3821 to speak with a
representative or to access to our language line.

All written materials from Qualified Health Plans
(QHP) can be translated and made available from QHP issuers.


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Attention: This website is operated by Custom Benefit Consultants, Inc. and is not the Health Insurance Marketplace website. In offering this website, Custom Benefit Consultants, Inc. is required to comply with all applicable federal law, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace website. To see all available data on QHP options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.

 


Costco Insurance Agency, Inc. is a licensed insurance agent. Insurance plans are offered by licensed insurance companies or health maintenance organizations. Health insurance plans on the CBC Health Insurance Marketplace for Costco Members are brokered and /or serviced by CBC Benefit & Insurance Services; CA License #: 0D75486 and Costco Insurance Agency License #: 0D08407.

 


If you would like assistance in another language, please visit Healthcare.gov or contact us at (800) 611-9056 to access our language line.


All insurance products are issued by licensed insurance companies and made available to applicants through Costco Insurance Agency, Inc., which receives a commission from insurers to distribute these products. Your insurance policy, not the information on this site, determines the applicable terms and conditions of the insurance product. Neither Costco Insurance Agency, Inc. nor its affiliates guarantee the services of any insurance company. The plan rates and benefits displayed on this site are for illustrative purposes only. Plan benefits and rates are based on final enrollment and insurance carrier confirmation.


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