Insurance Solutions
Plans & Custom Solutions. Flexible options built for high-turnover workforces.
Five plan options.
Built to work together—or stand alone.
Benefits shouldn’t force you into a one-size bundle. BIC makes it easy to assemble unbundled employee benefits that match the realities of high-turnover workforces—fast onboarding, shifting eligibility and employees who need clear, practical value.
Whether you’re focused on compliance, recruiting, retention or cost control, you can choose one plan or combine multiple options to build the right fit.
Minimum Essential Coverage (MEC)
BIC offers multiple Minimum Essential Coverage (MEC) options designed to support high-turnover environments.
Unlike providers that struggle to operationalize MEC effectively, BIC’s approach is built around real-world implementation and ongoing management, so your plan setup can align with how high-turnover work runs.
Minimum Value Plan (MVP)
The MVP is designed to satisfy employer mandate requirements by providing both minimum essential coverage and minimum value.
It’s aggregated weekly to better support industries with frequent workforce changes. While the plan includes a high deductible for employees, it’s structured to help employers reduce exposure to penalties while still offering credible coverage.
Fixed Indemnity Plans
Preferred Choice Plans provide first-dollar coverage toward services with no deductibles or copayments.
Choose from multiple plan designs—or request a custom option—to better match the needs of your workforce and your enrollment strategy.
Ancillary Services
Offer voluntary benefits employees can choose based on their needs, such as term life, dental, vision, accident, critical illness and short-term disability.
BIC makes it possible to provide ancillary benefits without medical or indemnity elections, giving employees flexibility without forcing a single “medical-first” path.
BIC is exclusively partnered with FreeRx to provide a prescription plan with real everyday value.
Highlights include unlimited generic chronic medications via home delivery, acute medications at 64,000+ pharmacies nationwide and low-cost insulin options available through Walmart Pharmacy nationwide.
Unbundled Benefits. Full Workforce Coverage.
Most bundled plans only reach about 60% of employees, forcing many workers into coverage they don’t want—or leaving them uninsured.
BIC offers a smarter alternative: unbundled benefits built for high-turnover workforces. You can cover up to 100% of your workforce without paying for unused medical plans, while giving employees affordable, first-dollar coverage they actually use.
Why unbundled works:
- Employees choose only what fits their needs and budget
- Employers pay only for enrolled coverage
- No forced medical bundles
- Higher participation and retention
- Day-one access to FreeRx, dental, vision, and supplemental benefits
How to Choose the Right Mix
Not sure where to start? Use this guide, and we'll help you tailor the details.
Start simple (core coverage)
Begin with MEC or MVP, then add only the voluntary options your workforce values most.
Add perceived value fast (recruiting-ready)
Pair your core option with FreeRx for a benefit employees understand immediately.
Build protection (broader coverage)
Combine core coverage with fixed indemnity and select ancillary options to create a more robust package.
Want help picking the right combination or creating a custom-tailored solution?
What Clients Notice After the Switch
Feedback that speaks for itself.
Michael Johnson
- VP of TRC Staffing Services
“The switch to BIC was a game-changer for us. Exceptional customer service smoothed the transition for my staff and offered direct support to our employees. It’s not just a service; it’s a partnership that enhances our operations.”
Michael Epstein
- CEO and President of CoWorx
“In the whirlwind of healthcare changes, BIC stood out as a beacon of expertise, guiding us to compliant and affordable healthcare coverage. Their foresight and leadership have been invaluable to us.”
Beth Howard
- General Manager at Mega Force
“BIC’s support has been instrumental in amplifying our reputation. Providing top-notch benefits through BIC not only satisfies our associates but also turns them into advocates for our brand, driving business growth organically.”
Chad Clevenger
- CFO of Innovative Staffing Solutions
“Thanks to BIC, our employee retention has seen remarkable improvement. Their ability to provide immediate, comprehensive benefits packages is a significant factor in keeping our talent happy and loyal.”
Beth Garvey
- Chairman, President & CEO at BGSF, Inc.
“With BIC, announcing benefits availability from day one significantly impacts our proposals. It’s a distinguishing factor that resonates strongly with our clients, enhancing our competitive edge.”
Greg Wilson
- CEO, Benefits Resources, Inc.
“The insurance products provided by Benefits in a Card have been a game-changer for our industry.”
New & Noteworthy
Fresh takes on benefits and workforce needs.
Rate Stability in Employee Benefits: Why It Matters More Than Ever A staffing firm owner...
For many staffing leaders, the ACA is not just a yearly task. It’s a constant...
