GROUP HEALTH BENEFITS
Medical benefits are one of an employers’ largest expense, and increasingly you don’t have the time or energy to spend ensuring your plan is operating well. Keeping the cost of the plan down, while at the same time ensuring that high quality, cost-effective benefits are provided, is becoming more and more important. Our personal, company-tailored yet aggressive management techniques includes a number of internal medical management and preventive health initiatives.
As the health care industry continues to change, we remain solid: True to our word, purpose and vision of making a difference by being different. For over 25 years, we’ve remained compliant and ahead of healthcare changes. Now, with leading-edge technology, we can continue to obtain meaningful information about your plans that helps us evaluate cost drivers, trends and savings opportunities associated with your medical benefits.
You deserve tools that will offer consistent year-to-year data, reporting formats and comparative benchmarks. We provide this meaningful, easy to understand information so that together we can work with you in a continuous, interactive manner to stay on top of your medical benefits plan.
GROUP DENTAL / VISION / VOLUNTARY BENEFITS
The rising cost of health coverage is now affecting dental benefits, according to industry experts. Troubled by high rates of inflation in their medical plans, some employers are scaling back on dental benefits. This is not necessarily the best move for employers, as workers tend to see the value in solid dental care. Dental benefits may seem like just another expense, but the risks of not providing dental benefits could be more costly – including significant medical expenses that could have been avoided and difficulty hiring premium talent due to a lacking benefits package.
Vision care is not only essential to the health of your employees, it is also vital to your business. Employees at any age can experience vision-related health concerns that may impact your health plan budget and infringe on their productivity. Workers of all ages may experience vision stress, which can lead to consistent headaches, the inability to focus, blurred vision and a loss of concentration, according to the American Optometric Association. However, by offering vision insurance benefits to employees and encouraging them to take advantage of the benefit and maintain consistent care, they can reduce their risks of developing the conditions listed above.
Now more than ever, employers are realizing that dental and vision coverage are essential employee benefit. But simply having dental and vision coverage is not enough; employees are demanding more. Having a flexible, more comprehensive benefits package is becoming a competitive advantage for employers. Most of all, employees are asking for choice in choosing the best plan for them. This could include having the option to choose a base coverage level or pay more for more substantial coverage.
GROUP LIFE / DISIBILITY
Though life insurance is an important asset for future financial security, many employees don’t realize its importance. Teaching employees about the value of life insurance may increase loyalty to the company as they better appreciate this benefit. Ask employees to envision the debt and financial responsibilities that loved ones would face in the event of their death. If the employee is the primary household income earner, how will the family support themselves? If the employee dies and leaves behind a mortgage or substantial medical bills, who will have the burden of paying that debt? Many employees do not realize the financial benefits of a life insurance policy until they think through these issues.
Disability insurance has become an increasingly valuable part of a comprehensive employee benefits package. Not only does disability insurance fill the gaps in financial protection offered by other programs like Social Security, it is also a highly sought-after component of a competitive benefits package for employers who need to attract and retain talented employees. And while employees appreciate the peace of mind they receive as their income replacement benefits are being paid, employers can use the resources offered by insurers to manage time and productivity losses and find the most effective ways to return employees to work.
CORPORATE RETIREMENT PLANS
Experience to assist you and your employees across multiple plans and need
We bring dedicated resources and experience to assist businesses seeking tailored retirement plan solutions. We know it can be a daunting task to determine the best options for your employer sponsored retirement plan. With access to sophisticated investment and planning tools combined with unbiased research, we are able to examine a broad range of options and generate detailed reporting and comparisons.
COMPLIANCE: ERISA / COBRA / PPACA & HEALTHCARE REFORM
The rules and regulations governing employee benefit plans are ever increasing, both in volume, and complexity. Trinicore will help you meet your compliance obligations and keep you up to date on laws and regulations that affect your employee benefits program.
Form 5500, Summary Plan Descriptions (SPD) and employee distribution
Why a General Notice is important, what is a Qualifying Event?
Family and Medical Leave Act of 1993
HIPAA Rules on Nondiscrimination & Wellness Programs
There are countless regulations governing health care reform legislation, from mandates to penalties, and it can feel like a giant puzzle. Trinicore helps you meet your compliance obligations by keeping you up to date on the reform regulations that affect your employee benefit program. With provisions slated to take effect every year until 2018, we will be your healthcare reform guide every step of the way.
GROUP TRAVEL / TRIP / SHORT TERM MEDICAL INSURANCE
We know that the reasons to travel abroad are many and varied - that's why our full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we provide a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs.
Learn more & Get a quote on Travel Insurance
For your convenience and to assist you in determining which plan is right for you, you can simply use the scroll function to view each of the products or click on one of the specific product categories below to help narrow your search. You may also obtain more detailed plan information by clicking on the "Download a brochure & application" link associated with each product. Once you have determined which plan best fits your needs, click on the "Quote/Buy Insurance" link and you can complete the simple and easy-to-follow application.
Trinicore can help you make educated and cost-saving benefit plan decisions. With our 15+ years of experience managing self funded plans, we can analyze and benchmark your claims data, model potential plan designs, estimate renewal costs and enhance employee decision-making – all designed to provide you with a cost-effective benefits plan tailored to your unique business and employee population.
Making the switch to self-insuring as a way to reduce costs and improve service is becoming more popular. We help employers considering a switch from fully-funded to self-funded health plans analyze the advantages and disadvantages before making changes.
In general terms, self-insured employers pay for medical claims of their employees as they are incurred instead of paying a fixed premium to an insurance carrier, which is known as a fully-insured plan. Employers can be partially or fully self-insured. Employers that choose to partially self-fund, may decide, for example, to continue third-party coverage of mental health or prescription benefits, but self-fund all other medical claims.