Nunes Partners
Affordable Healthcare Your Employees Will Actually Use
Nunes Partners transforms traditional healthcare with innovative, customized solutions that put your needs first. We help businesses of all sizes create comprehensive coverage that works for their unique situations, not against them.
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Our Services
Nunes Partners
Innovative Health Care Solutions
Our approach combines direct primary care, health sharing, and targeted financial safety nets to deliver protection that’s both more robust and more affordable than conventional insurance.
Nunes Partners
You Dream It We Build It
At Nunes Partners, we build your healthcare protection like a house—with a solid foundation, sturdy walls, and a protective roof that work together to create comprehensive coverage.
The Foundation: Financial Safety Net Plans
We start with financial safety net plans that pay cash directly to you during accidents, illnesses, or hospitalizations. These plans create the foundation of your protection, providing funds that cover deductibles, everyday expenses, or anything else needed during recovery. With benefits ranging from $150 for doctor visits to $10,000 for critical illness diagnoses, these plans prevent medical events from becoming financial crises.
The Walls: Direct Primary Care and Virtual Care
The walls of your healthcare house provide everyday protection through direct primary care and virtual care services. Direct primary care gives you unlimited access to your physician via text, phone, email, or in-person visits for a flat monthly fee with no copays or deductibles. Virtual care provides 24/7 access to primary care, urgent care, dermatology, behavioral health, and even pet telehealth services—all without networks or appointment delays. These "walls" create accessible, affordable healthcare that emphasizes prevention and early intervention.
The Roof: Health Sharing
The roof of your healthcare house protects against unexpected medical expenses through health sharing plans. These community-based approaches eliminate networks, allowing you to see any provider while sharing eligible medical expenses above your chosen initial unshareable amount (IUA). With no annual or lifetime caps and monthly costs significantly lower than traditional insurance, health sharing creates comprehensive protection that completes your healthcare house with affordable catastrophic coverage.
This integrated approach creates custom healthcare protection that works for both your health and your budget, preventing medical events from becoming financial crises while providing better care access than traditional insurance at a fraction of the cost.
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Group Health Medical Insurance
Group health medical insurance provides businesses with comprehensive healthcare solutions designed specifically for their workforce. Our approach combines traditional coverage elements with innovative alternatives, creating customized packages that maximize benefits while minimizing costs. By working with Nunes Partners, companies can offer competitive healthcare benefits that help attract and retain quality talent while maintaining budget control.
ICHRA Accounts
Individual Coverage Health Reimbursement Arrangements (ICHRA) give businesses unprecedented flexibility in providing healthcare benefits. This innovative approach allows companies to reimburse employees tax-free for qualifying medical expenses and individual health insurance premiums. ICHRAs enable businesses to set their own budgets while empowering employees to choose coverage that best meets their personal needs, creating a win-win healthcare solution.
Small Group Insurance
Small group insurance provides businesses with fewer than 50 employees access to quality healthcare coverage options that fit within tight budgets. These specialized plans offer significant flexibility, allowing companies to select the exact benefits that matter most to their teams. Our small group solutions incorporate innovative elements like direct primary care, health sharing, and financial safety nets to create comprehensive protection that traditional insurance can't match.
Group Life Insurance
Group life insurance offers businesses an essential component of a comprehensive employee benefits package. These policies provide financial protection for employees' families, delivering peace of mind and demonstrating your company's commitment to their wellbeing. Nunes Partners’ customizable group-life-plan can be tailored to your business's specific needs and budget, creating meaningful protection that employees truly value.
Self-funded group medical plans
Self-funded group medical plans put businesses in control of their healthcare investments, creating substantial savings while maintaining comprehensive protection. This approach allows your company to pay only for healthcare services actually used, eliminating unnecessary markups while gaining unprecedented visibility into your health spending. With strategic stop-loss protection providing financial predictability, self-funding becomes a powerful option for businesses seeking customized healthcare solutions that work for their unique situation.
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Small Business Health Coverage
Small business health coverage provides affordable, flexible healthcare solutions specifically designed for companies with limited resources. Nunes Partners’ customized approach combines direct primary care, health sharing, and financial safety nets to create comprehensive protection at a fraction of traditional insurance costs. By implementing these innovative solutions, small businesses can offer competitive benefits that help attract and retain quality employees while maintaining healthy balance sheets.
Medical Cost Sharing
Medical cost sharing fundamentally transforms how businesses approach healthcare expenses by creating a community-based approach to coverage. Members contribute monthly to share eligible medical expenses, eliminating networks and allowing employees to seek care anywhere. With initial unshareable amounts as low as $1,000 and no annual or lifetime caps, medical cost sharing provides businesses with a predictable, affordable alternative to traditional health insurance.
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Supplemental Health Care Insurance
Supplemental health care insurance creates an additional layer of financial protection that pays cash directly to employees when medical events occur. These policies cover specific situations like accidents, hospitalizations, or critical illnesses, providing funds that can be used for deductibles, everyday expenses, or anything else needed during recovery. By adding supplemental coverage to your benefits package, you can close potentially devastating financial gaps that traditional insurance leaves exposed.
EAP Program Benefits
Employee Assistance Program (EAP) benefits provide vital support services that promote workforce wellbeing and productivity. These comprehensive programs offer confidential counseling, mental health resources, work-life balance assistance, and crisis intervention services. By incorporating EAP benefits into your healthcare package, your business demonstrates commitment to employee wellness while reducing absenteeism, improving morale, and creating a more resilient workforce.
Dental Insurance
Dental insurance promotes preventative care that keeps your employees healthier and more productive. Nunes Partners’ plans cover routine cleanings, fillings, and major procedures with affordable premiums and predictable benefits. With coverage structures that emphasize prevention, our dental benefits do more than just protect teeth—they contribute to overall employee wellness and satisfaction.
Vision Insurance
Vision insurance provides essential coverage for eye examinations, prescription eyewear, and related services that maintain optimal visual health. Our plans offer comprehensive benefits through widely-accepted networks, including affordable copays and generous allowances for frames and contacts. By including vision coverage in your benefits package, you help employees maintain proper eye health while providing a valuable benefit that enhances your company's overall compensation package.
Disability Insurance
Disability insurance protects your employees' most valuable asset—their ability to earn income. When illness or injury prevents work, these policies provide critical financial support that helps maintain stability and peace of mind. Nunes Partners’ customizable disability coverage options include both short-term and long-term solutions that can be tailored to your company's specific needs and budget, creating meaningful protection that employees genuinely appreciate.
Financial Safety Net Plans
Financial safety net plans create critical protection against unexpected medical events that could otherwise lead to financial hardship. These plans pay cash directly to employees when specific medical situations occur, allowing them to cover deductibles, everyday expenses, or anything else needed during recovery. By incorporating these innovative solutions into your benefits package, you create comprehensive protection that keeps both employees and your business financially strong when life happens.
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Telehealth
Telehealth services provide convenient, affordable access to quality healthcare through secure virtual platforms. Our comprehensive telehealth options include primary care, urgent care, dermatology, behavioral health, and even pet care services, all available 24/7 without networks or copays. By incorporating telehealth into your benefits package, you give employees immediate access to healthcare professionals who can diagnose conditions, prescribe medications, and provide guidance from anywhere with an internet connection.
Virtual Primary Care Doctors
Virtual primary care doctors deliver personalized healthcare through convenient digital platforms that eliminate traditional barriers to access. Employees can build ongoing relationships with licensed physicians who understand their health history and provide consistent care for both acute and chronic conditions. With unlimited consultations, same-day appointments, and comprehensive care management, virtual primary care creates unprecedented healthcare convenience while reducing costs.
Pediatric Telehealth
Pediatric telehealth services ages two and up provide parents with immediate access to qualified healthcare professionals who specialize in treating children's health concerns. These convenient virtual consultations allow families to address common childhood illnesses, behavioral issues, and developmental questions without missing work or disrupting schedules. By including pediatric telehealth in your benefits package, you support working parents with a valuable resource that reduces absenteeism while promoting family wellness.
Virtual Urgent Care
Virtual urgent care delivers immediate access to licensed medical professionals who can diagnose and treat non-emergency conditions through secure video platforms. Available 24/7, these services address concerns like infections, rashes, minor injuries, and common illnesses without office visit fees or long wait times. By incorporating virtual urgent care into your benefits package, you provide employees with convenient healthcare access that reduces lost productivity while promoting prompt treatment.
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Alternate Health Plans
Alternative healthcare plans provide businesses with innovative solutions beyond conventional insurance models. These customizable packages can either replace traditional health insurance or supplement existing coverage, offering significant cost savings while providing comprehensive protection. Our flexible plans allow businesses to choose the exact level of coverage that works for their budget and their team's specific needs.
Medical Insurance Alternatives
Medical insurance alternatives offer businesses a refreshing approach to healthcare that emphasizes affordability, accessibility, and quality of care. These plans eliminate networks, allowing employees to see any provider they choose while significantly reducing monthly costs. By pairing medical cost sharing with direct primary care and financial safety nets, companies can provide comprehensive protection that keeps employees physically and financially healthy.
Health Shares
Health shares connect community members who contribute monthly to help share each other’s medical expenses. This innovative approach eliminates insurance networks, allowing members to see any provider while sharing costs for qualifying medical needs. With an initial unshareable amount significantly lower than traditional deductibles and no annual or lifetime limits, health shares provide businesses with an affordable way to offer employees meaningful healthcare benefits without breaking the budget.
Health Insurance Broker
As experienced health insurance brokers, Nunes Partners guides businesses through the complex healthcare landscape to find the most effective coverage solutions. We analyze your company's unique needs and budget constraints to develop custom benefits packages that provide maximum protection for minimal cost. Our education-based approach ensures you fully understand all available options, empowering you to make informed decisions that benefit both your business and your employees.
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FAMLI Colorado
FAMLI Colorado provides essential paid family and medical leave benefits for Colorado workers beginning January 1, 2024. This state program ensures employees can take necessary time off for personal health conditions, caring for family members, or bonding with new children while receiving partial wage replacement. As experts in navigating FAMLI regulations, Nunes Partners helps businesses understand compliance requirements and explore private plan alternatives that may better serve their specific needs.
FAMILI Colorado Private Plan
FAMLI Colorado Private Plan options allow businesses to fulfill their state-mandated family and medical leave obligations through customized alternatives to the state program. These employer-managed plans must provide benefits at least equal to FAMLI Colorado while offering potential advantages in administration, cost control, and employee experience. Nunes Partners guides businesses through the application and approval process, creating FAMLI-compliant solutions that align with company culture and objectives.
Financial Solutions
Financial solutions complement healthcare coverage by protecting employees' long-term economic well-being. Our customized financial products include life insurance, and disability protection designed specifically for businesses and their team members. By integrating these solutions with healthcare benefits, companies create comprehensive packages that protect employees from immediate medical expenses while also supporting their future financial security and peace of mind.
Best of the Springs Award Winner
Nunes Partners is proud to be awarded GOLD for Best Health Insurance Agency in the Colorado Springs Gazette's Best of the Springs. We’re grateful for the trust and support of our clients, colleagues, and community, and honored to be recognized among exceptional companies in our region. Thank you for being part of our journey!
Community Impact
Community impact initiatives demonstrate Nunes Partners' commitment to making a meaningful difference beyond providing exceptional healthcare solutions. Our annual "No Cancer November" casino night fundraiser supports resources for prostate and gynecologic cancer awareness, while The Nunes Foundation spotlights various charitable causes throughout the year. By partnering with Nunes Partners, businesses align themselves with an organization dedicated to improving community health outcomes and supporting those facing medical challenges.
"No Cancer November" casino night
Inspired by a personal cancer journey, 'No Cancer November' fundraises for prostate and gynecologic cancer resources.
Help Leo Climb Mt Kilimanjaro
Cancer survivor Leo Nunes is courageously climbing Mt. Kilimanjaro to raise vital funds and hope for prostate cancer awareness.
Fountain Creek Watershed Cleanups
Nunes Partners passionately leads Fountain Creek Watershed cleanups, fostering healthier communities and protecting local ecosystems.
Brandy is fantastic! She is always available, quick to respond and super helpful. I had a medical crisis with my oldest daughter and I needed to know insurance info right away. Brandy made herself available to me immediately and I am very grateful to her. If you want someone who truly cares, Brandy is it.
I cannot express enough gratitude to the team at Nunes Partners for their exceptional guidance and support in navigating health care coverage for my family. From the start, Brandy and Leo went above and beyond to educate me on the insurance options that would best serve my family’s needs. They took the time to explain how to maximize our coverage while identifying the plans that would provide the most savings...
Frequently Asked Questions
About Alternative Healthcare Solutions
Nunes Partners takes a fundamentally different approach by designing custom healthcare houses with three key components: financial safety nets as the foundation, direct primary care and virtual care as the walls, and health sharing as the roof. Rather than simply selling traditional insurance products, we create comprehensive protection that combines multiple elements to provide better coverage at lower costs, often saving 30-50% compared to traditional insurance while eliminating networks and improving care access.
Health shares are a community-based approach to coverage that eliminates networks, allowing members to seek care from any provider. Instead of premiums, deductibles, and copays, members make monthly contributions and have initial unshareable amounts (IUAs) that function similarly to deductibles but with maximum limits of three per year. Health shares typically cost 30-50% less than comparable insurance while providing no annual or lifetime caps on sharing eligible expenses.
Financial safety net plans are supplemental policies that pay cash directly to you during accidents, illnesses, or hospitalizations. These plans include accident coverage that pays benefits ranging from $15 for prescriptions to $6,000 for fractures, hospital indemnity plans that provide $3,000 for hospital admissions, and critical illness policies that pay lump sums upon diagnosis of conditions like cancer or heart attacks. By paying benefits directly to you rather than to medical providers, these plans create financial protection that prevents medical events from becoming personal financial crises.
Direct primary care works through flat monthly membership fees that provide unlimited access to primary care services without additional costs. For monthly fees starting around $75 for individuals or $180 for families, members receive unlimited office visits, 24/7 provider access via text/email/phone, wholesale pricing on medications and lab work, and same-day or next-day appointments. This approach eliminates insurance billing for everyday healthcare, creating stronger doctor-patient relationships and more affordable access to routine medical services that prevent small issues from becoming serious problems.
Alternative healthcare plans are legal but may not satisfy individual ACA mandate requirements in states that still enforce them. Health sharing plans are specifically recognized under the ACA but are not insurance and don't guarantee payment of medical expenses. For businesses, offering these alternatives can still provide comprehensive employee benefits without the constraints of traditional group health insurance. We recommend consulting with tax professionals regarding specific compliance requirements for your situation.
