Group Benefit Products

Health care management encompasses the strategic planning, organization, coordination, and supervision of all aspects related to the delivery of health care services within a medical facility or healthcare system.

Health Care Management Products & Support

HRA Health Reimbursement Arrangement

Employers can use pre-tax dollars to design HRA benefit programs and restructure health benefits, with any unused funds returning to the employer annually. HRA can be used with Fully-Funded/Level-Funded/Self-Funded products in conjunction with HSA and FSA accounts.

HSA Health Savings Account

Tax-advantaged savings for HDHP medical/pharmacy/dental/vision expenses: contributions are tax-deductible, grow tax-free, and withdrawals are tax-free for eligible medical expenses. HSA is the employee’s money and can roll over each year. HSA can be used with qualified HDHP with Fully-Funded/Level-Funded/Self-Funded products.

FSA Flexible Savings Account

An account that offers tax benefits and is intended for use with premium medical, pharmacy, dental, and vision expenses. Any contributions made must be used within the year, or the employee will forfeit that contribution amount. FSA can be used with qualified, Fully-Funded/Level-Funded/Self-Funded products.

PBM Pharmacy Benefit Management

is vital for handling prescription drugs in self-funded group plans. Partnered with major national PBM’s that are privately owned, ensuring independence from big carriers or pharmacies. PBM offers cost containment initiatives and connects you to a vast network of 67,864 pharmacies nationwide. PBM’s are only accessed through a self-funded insurance program.

TPA Third-party Administrator

Manages health benefits on behalf of the employer. TPAs handle claims processing, enrollment, and other administrative tasks. They act as intermediaries between insurers, employers, and healthcare providers, ensuring smooth operations and cost-effective health benefits management while providing expertise in compliance and customer service.

In-House Support

This is designed to cater to the employer and employees/members' benefit, providing personalized assistance and convenience. We assist with various tasks, including billing/pharmacy/finding a doctor/appointments/balance billing to help streamline processes, save time, and reduce stress.

Ancillary Programs
Short/Long Term Disability
Group Supplemental Plans

Critical Illness Insurance
Hospital Indemnity Insurance
Accident Insurance

Group Life
Voluntary Benefits
Dental and Vision

Fully Funded | Self Funded

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