Medical Insurance

Employer Based Medical Insurance:

As the largest benefits expense for employers, it is important to work with a trusted advisor to develop a strategy that is affordable and sustainable. There are multiple ways to access and deliver a customized medical plan for your business that stays within budget for multiple years. Our knowledge and experience of all the available programs for your company needs will put you in the right policy at the right time.

Coverage Options:

  • Fully Insured

  • Self Insured

  • Level Funded

  • CDHP – Health Savings Account Compatible Plans

  • Health Reimbursement Plans

  • Captive Plans

Individual Based Medical Insurance:

The Affordable Care Act (ACA) was instrumental in providing individual access to medical insurance coverage. In the event there is a need for coverage a TIG medical insurance representative will explore all options in available markets to find the best program within your budget.

For all information related to The Affordable Care Act visit the official site of the Affordable care act

Medicare Coverage:

Whether it is a retiree group or a single person requesting an individual Medicare plan, TIG will offer expert advice on available options.  Medicare has many levels of coverage and we research all options available within your market to make sure you have a complete understanding of the programs to feel confident in deciding which plan is best for you.

For a complete Detailed Overview For all parts of the Medicare Coverage visit the Official the medicare site

Ancillary Insurance

Ancillary insurance is a secondary level of benefits to medical insurance.  No matter what Ancillary plan an employer is considering, TIG has the experience and carrier pricing power to establish a “best in class” plan. Ancillary benefits are a secondary safeguard for employees to offset the cost of unforeseen risks.

  • Dental Insurance: The “next in line” coverage to medical insurance in terms of popularity and protection. Dental care can be extremely expensive and finding the correct dental plan will offer participating members critical financial support for many levels of claims.

  • Short-term Disability Insurance (STD) / Long-term Disability Insurance (LTD): Can be complex, but the bottom line of disability coverage is paycheck protection. The coverage is critical for employees and when paired correctly will offer a valuable security blanket for all employees and employers.

  • Life Insurance and Accidental Death & Dismemberment Insurance (AD&D): The best way to provide a very high benefit coverage at the lowest cost to employees. Especially when taking advantage of guarantee issue limits offered by select carriers.

  • Vision Insurance: A widely popular coverage that is very inexpensive compared to the covered benefits. Certainly, a frontline employer or employee paid program that delivers exceptional value.

  • Voluntary Insurance Programs: Are usually an overlooked benefit. By selecting the options that will accomplish the needs of the workforce the employer can help employees with care and financial security that other employers are not considering and increase employee retention.

  • Employee Assistance Programs (EAP): Typically, part of an ancillary insurance policy can offer a very basic resource for employees to gain access to counseling professionals along with other resources for family, financial and legal matters. There are different levels of EAP plans.

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