Self-Funded ERISA Plans
Traditional Healthcare is being replaced by Self-Funded Plans to save thousands in premiums. By taking a portion of the “risk”, the amount of risk is determined by the employer, the savings can be substantial. Employers can also customize their benefit plan to meet their employee’s needs. Integrity Administrators, Inc. can design a benefit plan, secure provider networks, adjudicate claims and provide a multitude of status reports.
Self-Funded Plans usually need Stop-Loss Insurance. We have the expertise to secure Stop-Loss contacts which will limit the employer's risk while allowing it to retain control over claims and benefits. We can assist you in determining whether you need a Specific policy, an Aggregate policy or a combination of both.
High Deductible Health Plans
A fully insured High Deductible health plan can cut the premium price by half for an employer without sacrificing benefits when the employer elects to self-fund the employee's deductible. The self-funded deductible portion is handled by Integrity Administrators, Inc. for the employer.
Fully Insured Dental Plan
In addition to the Self-Funded Plans, we offer a fully insured dental plan for small employers. Our DentAssure plan is underwritten by TruAssure Insurance. DentAssure provides quality comprehensive dental care for employers with two or more employees using either employer funded or voluntary plans. We offer PPO plans with varying deductibles and calendar year limits.
Taft-Hartley Welfare Health Plan
We have over 60 years of experience in administrating Taft-Hartley Plans. These plans can include Medical, Dental, Vision, Life and Pension benefits.
Flexible Spending Account Plans
Employer-sponsored Flexible Spending Account plans to allow you to use pre-tax dollars to pay for your unreimbursed healthcare, daycare and other eligible expenses and start taking home more money in your paycheck.
Click here to learn more about Flexible Spending Accounts.
Health Reimbursement Arrangements (HRA's)
HRA plans are employer-funded medical reimbursement plans. The employer sets aside a specific amount of pre-tax dollars for employees to pay for health care expenses on an annual basis. Based on the plan design, HRA's can generate significant savings in overall health benefits.
Affordable Care Act (ACA) Consulting & Services
The Patient Protection and Affordable Care Act (PPCACA), commonly called the Affordable Care Act (ACA) placed new requirements of employers and employees. We have the knowledge to assist you with professional advice.