Frequently Asked Questions
Straight answers about what this site is, what it isn't, and how the review process works.
Is Cape Cod Health Insurance Solutions an insurance company?
No. CCHIS is an education and advisory navigation resource. We don't sell or underwrite insurance — we help Cape Cod employers understand their options and connect with local advisors.
Is this an Association Health Plan?
No. CCHIS is not an Association Health Plan, pooled-risk program, or insurance product. Every option described on this site is evaluated individually for your group at quote time.
Who is actually behind this website?
Cape Cod Health Insurance Solutions is built and operated by Apex Benefits Partners, a Massachusetts employee benefits brokerage. See Who's Behind This for the full story.
Will requesting a review cost anything or obligate me?
No. A Cape Cod Employer Health Insurance Review is free and no-obligation. It's a conversation, not a sales pitch.
Should I submit health information through the contact or review form?
No. Please do not submit protected health information (PHI) through any form on this website. Our forms are for general inquiry purposes only.
How is CCHIS different from just going to a carrier's website?
We're not tied to promoting a single carrier. Our goal is to lay out realistic options — fully insured, level-funded, small-group, and captive — side by side, with sourced context specific to Cape Cod's healthcare landscape and market conditions.
What size employer does this site serve?
Primarily Cape Cod (Barnstable County) employers with fewer than 250 employees, including nonprofits and seasonal employers. Larger employers may be a fit for options like InCap Captive (50–2,000 employees).
Are the rates and statistics on this site guaranteed?
No. Rates referenced (such as the 2027 filed rate increases) are pending Massachusetts Division of Insurance approval and are not final. All statistics are sourced and cited; savings examples are anonymized and results vary by group.
Still have questions?
Reach out directly, or request a review to talk with a local advisor.