For NARI Members Exploring Coverage
Not Yet Enrolled
This section walks you through eligibility, how the network works, plan options, and next steps — one step at a time.
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Step 01 · Plan Options
Review your plan options
Rates may be adjusted after underwriting. Complete the form below for a personalized quote.
Richest Coverage · Lowest OOP Max
$1,000 Deductible PPO
Monthly Premium
~$900
~$10,900 annually
Annual Deductible
$1,000
Out-of-Pocket Max
$5,000
Incl. deductibles, copays, etc.
Best case: $10,900 (no utilization)
Worst case: $15,900 (high utilization)
Lowest Monthly Premium
$7,350 Deductible PPO
Monthly Premium
~$600
~$7,300 annually
Annual Deductible
$7,350
Equal to OOP maximum
Out-of-Pocket Max
$7,350
Best case: $7,300 (no utilization)
Worst case: $14,650 (high utilization)
HSA Eligible · Best Tax Advantage
$5,000 HSA PPO
Monthly Premium
~$630
~$7,600 annually
Annual Deductible
$5,000
No copays until met
Out-of-Pocket Max
$6,550
Best case: $6,280 (no utilization + HSA)
Worst case: $12,900 (high utilization + HSA)
*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 NARI 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
Step 02 · Eligibility & What to Expect
Confirm you qualify — and know what happens next
Everything about eligibility and enrollment, answered up front.
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 NARI members with any of these qualify.
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.
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.
Supplemental Life
Optional additional life coverage you can elect for yourself and your dependents, beyond the basic employer-provided amount.
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.
Long-Term Disability
Extended income protection of up to 60% of your income for longer-lasting conditions, subject to plan limits.
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.