Insurance Solutions

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Saving Money for AHCA/NCAL Members

AHCA/NCAL Insurance Solutions offers a variety of employee health insurance programs through Compass Total Benefit Solutions to meet your business needs, including a minimum essential coverage (MEC) plan for only $143.75 per month. Compass also offers a minimum value plan and a full range of health insurance options, group and voluntary benefit packages, an aggressive Stop-Loss insurance program, and cloud-based HR platforms that will help members achieve savings and greater efficiencies on employee health benefits.

Seeking Our Advice is Free and There is No Obligation

Fill out the form below with your request for more information about these group health insurance options or for a "Second Look" at your existing ACA-compliant plan.  Our team will reach out to you to schedule a brief conference call to discuss your needs. Our program gives you the ability to have a no risk and no obligation review of your current package or renewal, and to discuss options that can be implemented alongside your current ACA-compliant health plan.

What Are the Compass MVP Options and MEC Plans?

AHCA/NCAL Insurance Solutions through Compass Total Benefit Solutions offers AHCA/NCAL members two affordable options for providing many of the health insurance benefits that are important to l​ong term care employees, but that are far more affordable than traditional comprehensive health plans. 

The Compass Minimum Essential Coverage (MEC) plan​ features affordable premiums and co-pays for valued and commonly used services, including mental health services. The monthly employee premium for the Compass MEC plan is $143.75 per month with additional spouse, children or family coverage available. 

The Compass Minimum Value Plan (MVP) options offer ACA compliant health benefits including hospital services starting at $517 per month with other premium options for additional benefits. The MVP options are fully ACA compliant and there are no deductibles and no company underwriting. Spouse, children, and family plan options are also available.

Both plans feature no deductibles and affordable co-pays, and both plans offer pharmacy benefits with low co-pays. Employers may pay all, part, or none of the monthly premiums for either plan.

Our Consulting Team

Our partner, Compass Total Benefit Solutions, was formed to work with AHCA/NCAL membership. Nick Cianci is President of Compass and understands the needs of long term care providers and has strong expertise in the employee health benefits field. Compass Total Benefit Solutions was named a 2021 “Top Emerging Benefits Administration Company” by Manage HR Magazine. Nick can be reached at

Solutions We Offer

With our multiple carrier and vendor partnerships, we offer the following types of insurance and employee benefit solutions:

  • Health (both fully and self-insured)
  • Stop-Loss
  • Dental
  • Disability
  • Life
  • Critical Illness
  • Accident
  • Hospital and Emergency Room
  • Long-Term Care
  • Wellness
  • Telemedicine
  • Pet
  • Compass MEC Plans
  • Compass MVP Options
  • Enrollment Platforms/ Private Exchange


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