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Health insurance designed around you

A health benefits experience that actually feels like a benefit

What if we told you that one of the most powerful tools for good health is right at your fingertips?  Your own voice.

Man smiling
Our Employee Experience

A health insurance platform that makes employees their own advocates

Self-advocacy is about taking an active role in your own medical decisions. It's about being informed, and speaking up for your needs. It's about trusting your gut instinct, asking questions, and getting second and third opinions.

Improved health outcomes

Studies have shown that patients who are self-advocates are more likely to have better health outcomes. They are more likely to adhere to treatment plans, experience fewer complications, and be satisfied with their care.

Increased confidence

When you take charge of your health, you feel more empowered and confident. You know that you are making informed decisions about your own well-being.

Stronger doctor-patient relationships

Self-advocacy can lead to more open and honest communication between you and your doctor. When you are an active participant in your care, your doctor is better able to understand your needs and provide you with the best possible care.

Venteur is here for you and your family

AKA: benefits without the baggage

A health insurance experience you actually enjoy? We're here to make that dream come true for you.

Own your health

Choose from dozens of options to find the plan that works best for you. We'll help you every step of the way.

Easy to use

We built Venteur for you. Getting health insurance that's right for you has never been this easy.

Consistent support

Our team of registered brokers will help you choose the right plan, and our support team is there to answer any questions along the way!

More money for health

We'll set you up with a Health Wallet to make it easy for you to spend any leftover dollars you have from your employer's contribution.

You got questions, we got answers!

We're here to help you make informed decisions on health insurance for you and your family. Check out our FAQs or contact us if you have any additional questions.

How does an ICHRA work?

ICHRA stands for Individual Coverage Health Reimbursement Arrangement (ICHRA). This health arrangement allows you to pick your own health insurance plan using your employer’s monthly tax-free allowance. These funds can be used to cover insurance premiums, including dental and vision, as well as qualified medical expenses.

What are the benefits of an ICHRA?

  • Your health plan belongs to you, and you can keep your health insurance if you leave your company. 
  • You get to choose from any qualified health plan on the market. Venteur can help you select a plan where your preferred doctors, providers, and prescriptions are covered.
  • If you choose a health plan that costs less than your employer contribution, the extra funds are added to Venteur’s Health Wallet, an account used to pay for qualified medical expenses.
What's the difference between an ICHRA and a Group Plan?

Group health insurance plans are purchased by companies and offered to their employees. Traditional group plans take a one-size-fits-all approach to healthcare, giving employees limited choice when it comes to their coverage options. Employer-sponsored ICHRAs give employees a tax-free allowance to pick any plan on the public exchange that meets their unique needs.

What expenses are reimbursable through my Health Wallet?

You can use money in your Health Wallet to pay for qualified medical expenses, as the IRS defines in Publication 502. The full list is available here:

Please note that some expenses, like gym memberships or vitamins, are only reimbursable if you obtain a doctor's note confirming medical necessity. 

What is the Health Wallet and how can I use it?

1. What Your Health Wallet Balance Represents:

Your Health Wallet balance could be thought of as a measure of the medical expense reimbursements you're entitled to under your health insurance plan. It's essential to note that it isn't quite like a bank account with a set amount of accessible cash. Rather, consider it as a marker of what you're eligible to get reimbursed for as part of your ICHRA plan.

When you shop for insurance through the app, you will see a dollar amount that is available for out-of-pocket expenses. This amount is what gets contributed to your Health Wallet account for your use in reimbursements. However, depending on how your employer has setup the account, it may be available immediately or it may be available after every monthly invoice.

2. Your Health Wallet Account:

When your account is setup, there is a predetermined way on how your Health Wallet functions for your reimbursement funds. The first scenario is that there is money that has been set aside at the start of the period which can be used for your reimbursements. You may see the entire amount entitled to you is immediately available for medical expense reimbursements. It's like having a store of health benefits ready to be used when you need them.

3. Simplifying the Health Wallet Experience:

We're always striving to enhance your experience and are currently working on making the Health Wallet balance operate more like a pre-paid debit card. This shift aims to streamline the funding process further and allow you quicker and more direct access to your health reimbursements, leading to an even smoother journey for you.

Remember, whether your account shows the funds immediately or after every invoice, it doesn't affect the overall sum you're entitled to under your ICHRA plan; it merely affects the timing of when you will receive the reimbursements.

Your trust is important to us, and we're continually striving to make our services better for you. If you ever have questions about your Health Wallet or anything that would help make for a more understandable benefits experience with us, don't hesitate to reach out to our customer service team.

What criteria does Venteur use to make plan recommendations?

We’ve built an AI model that uses something called a 'composite patient'. We use over 30 years of historical claims data and your age, gender, and zip code to predict your total healthcare spending under each plan. As you add additional information to your profile--specific doctors, prescriptions, risk profile, etc.--your list of recommendations becomes more personalized.

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