MEDICAL - We administer a variety of self-insured medical benefits plans, including HMO's, PPO's, EPO's, HSA's and HRA's, for clients nationwide. Our tailored administration services provide flexibility and control to clients. We have access to health care programs and networks nationwide.
PRESCRIPTION - Health Insurance Solutions prescription drug programs increase employer's purchasing power through substantial cost containment options. Our program includes:
Monitoring and review of drug utilization
Over 56,000 participating pharmacies nationwide
Online computer links between PBM's as well as contracted pharmacies
Flexible plan designs
Mail order options for convenience and even deeper discounts
Rebates are given to clients based on utilization
DENTAL - Our dental programs give employees freedom of choice with regard to dental programs and allows total flexibility in plan design. We can tailor coinsurance levels, deductible amounts, annual maximums, and benefits covered to meet clients' specific needs.
VISION - We provide a variety of vision programs, including managed vision care programs and traditional programs. Our managed vision care programs, offer standard benefit designs to choose from along with the flexibility to customize vision plans.
STOP-LOSS INSURANCE - We establish protection for our self-funded employers against extreme risk. Employers can choose the amount of risk to retain and the amount to cover by stop-loss insurance. There are two different parts to stop-loss insurance for self-funded health plans:
SPECIFIC STOP-LOSS - To limit the employer cost for eligible medical expenses for each covered individual or;
AGGREGRATE STOP-LOSS - To limit the employer of overall annual costs for a self-funded plan.
HEALTH CARE CARRIERS - Health Insurance Solutions is ready to meet your organization's health care needs - whether you have employees at a single location or at multiple locations nationwide. Our approach to health care programs utilizes a combination of contracted and proprietary carriers.
OUTSOURCING SERVICES - We realize the complexities of health plans often burden benefits managers with routine administrative tasks that can detract from interacting efficiently with their employees. At Health Insurance Solutions, we can provide administrative support services such as COBRA, Employee Hand Booklets and Payroll Services so benefits managers can focus on their employees' personal needs.