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FOR PEOPLE WITHOUT BENEFITS AT WORK
Add another job to your resume. This one comes with benefits.
No employer benefits? You may be eligible for something most people never hear about — the Working Owner role at PSM. Not everyone qualifies. But you might.
Or call a ReachPoint recruiter: 866-840-0030
Monday–Thursday 9 am – 5:30 pm CT
Friday 9 am – 3:30 pm CT
~$2,100/mo saved
in a real Harris County, TX comparison. Plans start at $300/mo.
Real estate agents · Brokers · Consultants · Graphic designers · Software engineers · Contractors · Rideshare drivers · Restaurant staff · Seasonal crews ·
THE GAP
The benefits gap isn't a small group of people.
Independent contractors. Restaurant staff under the eligibility line. Seasonal crews. Rideshare drivers. Anyone at a company with no group plan. The individual market treats every one of them as a market of one, and prices them that way.
Group benefits cost less because the group absorbs the risk. The math was never the problem. The problem was that you had no group.
GigCare gives you one.
What proves it's real
A Schedule K-1. A Form 1095. A documented ownership relationship — not a membership card.
THE WORKING OWNER MODEL
You don't buy a plan. You join a group.
Population Science Management (PSM) is a data research company. It needs consistent, real-world health and consumer data from working people. In exchange for providing it, you become a Working Owner , a fractional equity owner of PSM. Working Owner status is what opens access to PSM's group health benefit options.
STEP 01
Talk to a recruiter
A few quick questions with a ReachPoint recruiter, then an independent review. One phone call — no forms to figure out alone.
STEP 02
Become a Working Owner
Sign the Joinder Agreement. You hold a limited partner ownership interest in PSM.
STEP 03
Hold up your end
One survey a month through the Covered365™ app — a few moments. You're paid $10 for it.
STEP 04
Choose your benefits
GigCare or MaxGuard, for yourself or your family. A licensed advisor is there if you want one.
GigCare is not insurance. Eligibility to participate in PSM's employer-sponsored group health plan requires Working Owner status and meeting program requirements.
TWO WAYS IN
Most people know which one is theirs in about a minute.
The difference is how much you want covered and how much you want to pay. Both are available for an individual or a family.
Which one is yours?
Three questions. No email, no phone number.
If you were hospitalized tomorrow, what would the bill do to you?
Right now, which matters more?
How do you actually use care?
GigCare
For people who want major medical — real protection if something serious happens.
STARTS AT
$700
/month · individual
BENEFIT TYPE
Major medical
COVERS
Individual or family
AVAILABILITY
All states except CA, CT, HI, MD, MN, MS, NH, OR, PA, VT, WA, WI
MaxGuard
For people who want meaningful benefits at a lower monthly cost.
STARTS AT
$300
/month · individual
BENEFIT TYPE
Limited medical
COVERS
Individual or family
AVAILABILITY
Same as GigCare
MaxGuard isn't a consolation prize. It's the right answer for people who want less covered and a lower bill. Neither product is the fallback for the other — you choose.
EVIDENCE
What it looked like in Harris County, Texas.
$2,100
saved per month (approx.)
$25,000
saved per year (approx.)
109 / 114
plan matchups came in lower than a comparable $6,000-deductible plan
A real comparison in a real county. Yours depends on your age, location, family size and plan choice. Call 888-622-5419 to see yours.
BEFORE YOU START
The fine print, up front.
No surprises. Here's everything the program asks of you, so you can decide before you ever pick up the phone.
One quick survey a month
One survey a month through Covered365 — a few moments, and you're paid $10 for it. It isn't optional; it's how the model works. Miss them and you get a three-month grace period, then the plan ends.
Specialty drugs aren't covered
Check your prescriptions before you enroll — your recruiter will check them against the formulary for whichever product you're considering.
You pay a month ahead
Your first payment is taken when your welcome letter goes out. After that you're billed on the 20th of each month for the month that follows — you always pay before the month you're covered, never after.
Leave any time after month one
Cancel any time after the first month. No term, no exit penalty.
Who handles what
The provider network is who you see for care. A separate administrator handles your claims, billing and questions — and our team is available too.
Bank account only, no cards
No cards. It has to be the same account your $10 survey payment is deposited into.
Enroll by the 23rd
Enroll by the 23rd to start on the 1st of the following month. Miss it and your start date moves out a month.
Not offered in 12 states
Neither GigCare nor MaxGuard is offered in California, Connecticut, Hawaii, Maryland, Minnesota, Mississippi, New Hampshire, Oregon, Pennsylvania, Vermont, Washington or Wisconsin.
COVERED365™
Your side of the deal takes a few moments a month.
One survey, once a month, from your phone. That's the whole obligation — and it's what keeps the group, and your standing in it, intact.
IPHONE · IPAD · ANDROID
AFTER YOU ENROLL
Day 7
Member portal active
Day 14
Covered365 installed
Day 35
First survey completed
START HERE
Affordable coverage is now in reach.
Call a ReachPoint recruiter. They'll walk you through a short prospect questionnaire and the HIPAA release, then show you your rate and your options. No obligation. No pressure. Just answers.
23d 16h 31m 02s
left to start benefits Nov 1
QUESTIONS
Asked and answered.
No. GigCare is not insurance. Becoming a Working Owner of PSM is what makes you eligible to participate in PSM's employer-sponsored group health plan, subject to program requirements.
You sign a Joinder Agreement and hold a fractional limited partner ownership interest in PSM. In return for providing monthly health and consumer data, you're compensated and you receive a Schedule K-1 and a Form 1095 — the paperwork of a real, documented relationship.
A few moments. One survey a month, completed in the Covered365 app, and you're paid $10 for it.
You have a three-month grace period. Beyond that, the plan is cancelled — survey participation is what keeps you in good standing as a Working Owner.
Becoming a Working Owner is not always a good fit. If that happens, your recruiter will tell you on the call and walk you through other options worth looking at.
Yes. Both GigCare and MaxGuard are available for an individual or a family. You'll provide details for everyone you're covering during enrollment.
GigCare starts at $700 a month for an individual; MaxGuard starts at $300. Your actual rate depends on your age, location, family size and the plan you choose — call 866-840-0030 and a recruiter will give you your number.
Your first payment is taken when your welcome letter goes out. After that, you're billed on the 20th of each month for the month that follows. Payment comes from a bank account — the same one PSM deposits your survey payment into — not a card.
GigCare and MaxGuard each use a national provider network. Your ReachPoint recruiter can look up your doctors and check your prescriptions with you before you commit.
Any time after your first month. There's no term and no exit penalty.
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Before you start
FAQ
Enroll
GigCare is not insurance. Eligibility to participate in PSM's employer-sponsored group health plan requires Working Owner status and meeting program requirements. Participation requires signing a Joinder Agreement with Population Science Management and completing monthly surveys to remain in good standing.
Plan-type disclosures are presented for acknowledgment during enrollment — one for PPO plans and one for Limited Medical plans. Specialty medications are not covered. Provider networks don't handle claims; a separate administrator handles claims and member billing.
Neither product is available in California, Connecticut, Hawaii, Maryland, Minnesota, Mississippi, New Hampshire, Oregon, Pennsylvania, Vermont, Washington or Wisconsin.
REACHPOINT RECRUITERS · LICENSED ADVISORS · CALL 866-840-0030