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Insurance Under ONE Hold

Insurance Under ONE – Based on Needs, not Size.

1si has teamed up with a variety of partners, including SIHO, to offer members who are headquartered in Indiana the most beneficial plans at the lowest prices possible.  Insurance Under ONE allows 1si members to join together to share in the overall claims risk. By being part of a larger pool, employers have bargaining power they simply do not have individually.

1si members will be able to choose from a variety of network option health plans at a “large group” rate, typically only available to companies with 50 or more employees.  Insurance Under ONE will also continue to offer ancillary insurances, such as dental, vision, pet, life, and long- and short-term disability insurance at a discounted price.

The power of Insurance Under One Association Health Plans includes:

  • Competitive rates and no medical underwriting for companies with 1 to 50 employees
  • Affordable plans for employers with  full medical underwriting for employers with more than 50 employees
  • Predictable, fixed monthly payments
  • Option of two prescription copay structures
  • Flexibility in choice of benefit plans with a variety of PPO Options and HSA plans
  • Choice of Baptist Health’s Narrow Network of 1,300 providers, Norton Healthcare’s Narrow Network of 1,600 providers or a Combined Network with 2,900 providers

6 PPO Options

  • Individual deductibles ranging from $2000 – $6500
  • 20% coinsurance
  • Competitive co-pays for office visits
  • Two RX co-pay structures
  • Calendar year benefits

2 HSA plans

  • Individual deductibles at $2700 or $3300
  • 20% coinsurance
  • Calendar year benefits

Plus Additional Benefits

  • Wellness Screening
  • Biometric Screening
  • Flu shots
  • Wellness educational series
  • Dedicated resources

Discounted Ancillary Insurance Benefits include:

  • OneAmerica Life – Employer Paid Life or Voluntary Life
  • OneAmerica Long- and Short-term Disability, and Lump-Sum Disability
  • EyeMed -Employer Paid or Voluntary
  • Delta Dental – Nation’s largest network and most recognized dental company in United States
  • PetFirst Pet Insurance -One of nation’s largest pet insurance companies, headquartered in Jeffersonville, Indiana
  • BMS LLC Premium Only Plan (POP)/Section 125 – Employees can save 20%–40% of their payroll deductions; Employers can save up to 7.65% of all the dollars put into the plan

Ancillary Plans Offered

OneAmerica Life

  • Employer Paid Life: Options $10,000 to $50,000 with guaranteed issue (no medical underwriting)
  • Voluntary Life: Employees can purchase additional life insurance for themselves, spouse and children
  • Guarantee Issue (no medical underwriting)

 OneAmerica Long- and Short-term Disability

  • Short-Term Disability
    • Employer Paid or Voluntary
    • Benefits begin after the 7th day due to  accident or sickness; includes pregnancy
    • 90-day benefit duration
  • Long-Term Disability
    • Employer Paid or Voluntary
    • 90-day elimination period
    • 60% of salary up to $5,000 per month
  • Lump-Sum Disability
    • 90-day elimination period
    • Benefit paid in full if individual is expected to be out of work for two years
    • Guaranteed Issue increments of $10,000, $20,000 or $30,000


  • Right mix of thousands of independent providers, top optical retailers and online options—over 80 in the Kentuciana region alone
  • Industry-leading 40 percent off additional pairs of glasses at participating in-network providers
  • Easy to use benefits with no claim forms for in-network services
  • Employer Paid or Voluntary


  • Nation’s largest network and most recognized dental company in United States
  • Access to two Networks PPO and Premier -80% of dentists within Indiana and Kentucky
  • Custom plan designs for 1si – these products are not offered to groups under 100 lives
  • Overall Wellness component increased members’ cleanings from standard two to four per year


  • One of nation’s largest pet insurance companies
  • Headquartered in Jeffersonville, Indiana
  • All 1si members will receive 10% discount on pet insurance premiums
  • Online and phone enrollment
  • Pet First Program covers the following: vet exam, vaccinations, prevention (heartworm, flea), microchipping and behavior training



Premium Only Plan (POP)/Section 125

  • Employees can save 20%–40% of their payroll deductions. The savings are on city, state, and federal income taxes, including Social Security and Medicare.
  • Employers save the matching Social Security (6.20%) and Medicare (1.45%) taxes, which equates to 7.65% (1.45% for municipalities) of all the dollars put into the plan, a substantial savings.



Authorized Agents

Authorized agents must be a 1si member in good standing.

For 1si membership, contact:

Ellen Kuhn
One Southern Indiana


Authorized Agents

Click the company name link to email an agent.

(812) 941-4110

(812) 948-9201

(812) 206-5525

(812) 941-4155

(812) 206-5534

Bennett & Bennett Insurance, Inc.
(812) 948-2233

Bennett & Bennett Insurance, Inc.
(812) 738-2233

Brown & Brown of Kentucky, Inc.
(502) 814-0647

Callistus Smith Agency, Inc.
(812) 944-7711

Davis Financial Services
(812) 288-4110

Denim & Diamonds Financial Solutions
(812) 725-7354

(513) 765-3938

5/3 Epic Insurance Solutions
(502) 805-3742

Hardin & Duncan Financial Group
(812) 945-4544

Health Insurance by Design
(812) 948-1581

ISU Insurance & Investment Group
(812) 282-6950

JA Benefits, LLC
(812) 279-9500

Jenpale, LLC
(502) 744-6424

Kentucky Financial Group
(502) 479-4078

LegalShield – Larry J. Lynn
(502) 551-8141

Logan Lavelle Hunt, a Shepherd Partner
(812) 949-7444

RH Clarkson Insurance Groups
(502) 585-3600

Ricke & Associates, Insurance and Financial Solutions
(812) 944-4461

Senior Insurance Group, LLC
(812) 748-9180

SIHO Insurance Services
(812) 378-7074

The Underwriters Group
(502) 489-6202

If your agent is not listed, encourage them to become a member of 1si.