Who We Are
What is the Small Employer Program and why is Vault different?
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Vault has been designing custom health benefit solutions for over 25 years with one mission: to make high-quality, easy-to-access benefits available to people underserved by the traditional insurance market.
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In 2021, we launched the Vault Small Employer Program—a self-insured health plan created specifically for independent professionals with no employees. It’s a smarter, more cost-effective alternative to the overpriced, underwhelming coverage typically offered through employers or the public marketplace.
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This strategy gives you nationwide access to top-tier providers like Mayo Clinic, Dignity Health, and more. It’s backed by A+ rated reinsurance, so your care is not just accessible—it’s rock solid.
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When you join the Small Employer program, you become an owner of the Vault Series C Captive—a collective of independent business owners sharing healthcare costs to reduce expenses. Instead of just paying premiums, you're taking ownership. And when claims are lower than expected, you can benefit through future savings and lower rates.
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It’s high-performance health benefits—built for the self-employed, by the self-employed.
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Want to Know if You're Eligible?
You must be an independent, self-employed business owner with NO employees.
You must have a Federal Tax ID Number.
Eligibility for the program is also determined using a health questionnaire. If your answers to any of the questions are “yes,” you might not be eligible for the Small Employer Program right now - but we’ll review your responses carefully and let you know your options.
What's Included (3 Tiers to Choose From)
V2500 ................................. $2,500 Deductible
V5000 ................................. $5,000 Deductible
V10000 .............................. $10,000 Deductible
Small Employer Program
There are 3 options for you to choose the right balance between your annual deductible and monthly premium.
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Key Components of the Small Employer Program
Access to a Nationwide PPO Network
When you establish your self-insured health plan, you'll have access to the nationwide PHCS Practitioner & Ancillary Network, meaning you shouldn’t have to change your current provider. To search for in-network providers or check if your current provider is included, just click the button right above this section. If you choose an out-of-network provider, your claims will still be covered and priced at a fair and reasonable value through the program’s repricing vendor.
Prescription & Medication Coverage
The program uses FairosRx as its Pharmacy Benefits Manager. Fairos provides access to prescriptions, low-cost pharmacies, drug coverage, benefits information, manages mail-order prescriptions, and more.
Vault Cares Network
The Vault Cares Network connects you to elite providers for expert second opinions and advanced treatments—often beyond what traditional insurance covers. Each facility is hand-picked for clinical excellence, giving you access to world-class care, better outcomes, and total peace of mind when it matters most.
Vault Admin Services (Your in-house Third-Party Administrator)
VAS is our in-house Billing & Claims administrator that manages all aspects of your self-insured health plan. It provides customer support, education, manages your claims, eligibility, and sends out your health plan ID cards.
Mobile App
The Small Employer strategy program you access to Benefits Hero, your personal command center for everything health benefit related. This powerful, intuitive app puts your benefits at your fingertips, making it easy to find care, track spending, access ID cards, and more. It’s modern, effortless, and designed to simplify your healthcare experience like never before.
Telemedicine
Through our partnership with Clever Health, you get 24/7 access to smart, convenient virtual care—wherever you are. From primary care and mental health counseling to expert advice for your pets, licensed providers are just a tap away, making it easier than ever to take care of your health (and theirs) on your schedule.
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Contact Us
Have questions about the Vault Small Employer Program? We're here to help! Whether you're exploring your options or ready to get started, our full-time, dedicated team of support staff are available and happy to answer your questions, and guide you through the process. Reach out today - we look forward to supporting you every step of the way.
Have Questions or Need Support?
888.211.5706
support@allthingsvault.com
Ready to obtain your free quote or establish your health program?