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Welcome to the CBC Health Insurance
Marketplace for Costco Members



Level Funded Advantage Logo

Get Rewarded for Being Healthy with Level Funded Advantage Plans!


3 Reasons to Consider Level Funded Advantage

  1. You don’t buy insurance for benefits that you don’t use. Unspent claim dollars are yours at the end of the plan year.
  2. Stop-loss insurance fully protects you from larger claims. You will never have to pay more than the maximum monthly costs.
  3. Level funding means there are no surprise payments – just one monthly payment.

Can we receive Money back with this plan?
With Level Funded Advantage, you have the potential to receive money back. Each month, your payment helps to build up your claim fund. The unused money in your claim fund is yours after claims are paid for the plan year. Your risk also is limited by stop-loss insurance.

 

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How Level Funded Advantage Works – Three Types of Costs

01. Stop Loss Coverage

  • Stop-loss insurance:
    Pays when the claims for any one person (employee or dependent) exceed a set dolar limit during the plan year.
  • Monthly payment:
    Pays when the overall claims for your group exceed a set dollar limit during the plan year. This is the ultimate protection that allows your maximumcost to be known and locked in for the year.

02. Claim Fund

This is your money used to pay smaller dollar claims. The claim fund total shown below is the MAXIMUM amount of claims payable by you for the plan year based on this census and benefits. You will never have to pay more in claims than this maximum amount. Any unused money is refunded to you after all claims have been paid for the plan year. Choose from different funding options (depending on your group size) to meet your monthly cash flow needs.

03. Administrative & Sales Costs

These are the costs you pay for the administration of your group’s health plan. Compensation also is paid to your agent from these costs for their role in helping you tailor your plan, managing your plan enrollment and ongoing servicing of your plan.

 

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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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All insurance products are sold by Custom Benefit Consultants, Inc., Ken Bahl, NPN: 4579133
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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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