Who it covers
Every district employee, including the part-time staff most benefits leave out.
Already running in three states
Oklahoma public schools, Texas public schools and Mayville School District in Wisconsin. Administered by Better Benefits USA, a non-profit.
Not a new product being tested on your district.
In or out of open enrollment.
The coverage is funded by payroll tax savings.
Paid only from the savings it generates. No savings, no fee.
Thirty minutes with Dan Cosgrove. No cost, no obligation.
What your staff receive, at no cost to them
ER visits, ambulance, X-rays and physical therapy.
Day one of an inpatient admission, plus daily cash.
On diagnosis of heart attack, stroke or internal cancer.
For the employee’s family, 2× for accidental death.
Income replacement up to $5,000 a month.
Not major medical insurance, and does not meet Minimum Essential Coverage (MEC). It sits alongside your existing plan. Benefit amounts from Better Benefits USA program materials; benefits depend on eligible events and claim approval.
Questions business offices ask
Does this replace our health plan?
No. It sits alongside your existing major medical plan. It is not major medical insurance and does not meet Minimum Essential Coverage (MEC) requirements.
What does it cost the district?
Better Benefits USA’s pro forma projects a net gain rather than a cost: the coverage is funded from payroll tax savings, and BBUSA is paid a 25% share of the savings it generates. No savings, no fee. Your district’s numbers will differ, which is what the call is for.
Who does the work?
Better Benefits USA, a non-profit, administers the program end to end: enrollment, compliance paperwork, payroll coordination and ongoing service. Your business office does not run it.
How long does implementation take?
Typically 4–6 weeks, in or out of open enrollment.
What about the tax treatment?
The program is administered under IRS Sections 125 and 105(b). Benefits depend on eligible events, proper substantiation and claim approval under plan rules, and tax treatment depends on plan design and administration. This is not a tax opinion. Review it with your district’s counsel; Dan takes those questions on the call.
Can we talk to a district already running it?
Yes. Dan Cosgrove can put you in touch with a district already running the program.
Two short videos
