GROUP BENEFITS FOR FRACTIONAL EXECUTIVES
High Performance Benefits is pleased to partner with Fractional Executive Connection to offer affordable group benefit options. We recognize the challenges Independent Contractors face finding affordable benefits to protect themselves, their career and their families.
That is why we created these unique partnerships, allowing professionals like you to acquire valuable benefits at group prices otherwise available only through large employers. These benefits cater to the financial and social needs of industry professionals. As a valued member of Fractional Executive Connection these products are now available to you.
Our partnership with Population Science Management offers a range of healthcare plans from Limited Medical to Major Medical coverage. As an active participant your contributions to occasional health and wellness surveys directly impact the group’s ability to control costs both now and in the future.
70% of adults will need Long-Term care while only 8% currently have it. The average cost of long-term care is $400,000. It is imperative to assess your position with Life and Long-term care protection. If you have a term life insurance policy, you can use our Shop Your Term tool through dozens of carriers to see if you have a competitive price. If you have any Life Policy more than 5 years old, there is a good chance the benefit of that policy is obsolete. If your policy benefits are not convertible to Long Term Care protection, it may be time to re-evaluate.
Our client service provides you with an experienced team and cutting-edge technology to assist you in assessing your current level of financial protection.
If you currently have a Term Life Insurance policy you can use the Shop Your Term tool below to compare your current rate to dozens of carriers.
HIGH PERFORMANCE HEALTHCARE PLANS
Major Medical Plans for Healthy Applicants
PSM BCBSNE
This plan utilizes the BlueCard® Program for nationwide access to the BlueCross Blue Shield network and includes the below deductibles, and out-of-pocket maximums as well as $0 copay wellness, 24/7 telemedicine, mental health and much more.
PSM Cigna
This plan utilizes the Cigna Network and includes the below deductibles, out-of-pocket maximums as well as $0 copay wellness, 24/7 telemedicine, mental health, and much more.
PSM Aetna
This plan utilizes the Aetna Network and includes the below deductibles, out-of-pocket maximums as well as $0 copay wellness, 24/7 telemedicine, mental health, and much more.
Reference Based Pricing and Limited Medical Plans for Healthy Applicants
PSM RBP
This plan utilizes the PHCS Practitioner & Ancillary Network and includes the below deductibles, out-of-pocket maximums as well as $0 copay wellness, 24/7 telemedicine, mental health, and much more.
PSM Max Guard
This plan utilizes the First Health Network and includes the below deductibles, out-of-pocket maximums as well as $0 copay wellness, 24/7 telemedicine, mental health, and much more.
Health Insurance Market for Applicants with Pre-existing or Chronic Medical Conditions
No Fear Insurance Company—Live health insurance navigators will assist you in finding the best plan for you and your family.
Enhanced Health Protector Guard PPO—Core Fixed Indemnity Plans
HealthProtectorGuard PPO—Wrap-Around ACA Fixed Indemnity Plans
HospitalSaveGuard GI PPO—PHCS Network Guaranteed Issue
Critical Guard—Critical Illness
Call No Fear to speak with a healthcare navigator: 833-818-1650
OTHER INSURANCE PLANS
General Liability
High Performance Insurance is a full-service independent agency. Because we do not represent any specific carrier, we will shop each request, provide you with several options and make certain you get the best coverage for the best price. Even if you already have coverage, especially through life and long-term care insurance, there are many new highly flexible options available. We are pleased to assist you in a review of your status and make sure you have the optimum protection for you, your family and your assets.
Dental Vision Identity Telemedicine
For Dental and Vision coverage, we partnered with Insurance for Everyone. IFE provides an easy to shop website where you can browse all available plans and pricing. Just enter your zip code and date of birth for a quick quote.
FAQ's
What kind of healthcare plans does High Performance offer?
High Performance offers several options for 1099's, Independent Contractors, Entrepreneurs and Small Businesses. We have a self-funded employer pool with a fully funded backstop within a group captive or associations. We also offer private healthcare plans.
Is this an ACA Marketplace plan?
No. The private plans are bona fide group health insurance held in a captive, an employer-sponsored group product governed by ERISA. It is not an ACA Marketplace (individual exchange) plan.
What is the relationship with Cigna?
Our partner Ameristead has held a direct ASO contract with Cigna since November 2025 (live December 2025). It is the only pool in the country with a direct ASO contract with Cigna, which means Cigna itself can verify member benefits, and all claims flow to Cigna with Marpai adjudicating them for Cigna. It is not a test pilot. The captive that houses the program has been in existence for roughly 26 to 27 years.
When do plans renew?
Renewal is every January 1, and the open enrollment window runs November 1 to December 5 each year. That is when members can make plan changes. Mid-year changes require a qualifying life event (QLE), just like any other group plan.
Which states is the Cigna PPO available in?
All 50 states, with one caveat: Hawaii has its own state rules and extra approval steps, so expect some friction there. Washington, Oregon, New Jersey and the other traditionally tricky states are fine.
Who can enroll?
Because it is bona fide group coverage, each primary member must have an EIN, even if it is just one employee.
Which Cigna network is it?
Cigna’s large commercial PPO, the OAP (Open Access Plus) network. When members visit a provider, they pull up in the Cigna system for benefit verification like any commercial Cigna member.
Which Aetna network is it?
It is the Aetna Signature Administrators PPO network.
How do members access telemedicine?
Teledoctor visits are $0 on every plan. Members download the Opyn app, or log in to the online member portal from a browser.
What do I need to do to enroll?
Call 833-494-6669 or email helpme@highperformanceins.com.