Group Health Plans

Self-Funded Exchange Marketplace

Enrolling for benefits online has never been easier or more efficient. With BIC’s Self-Funded Exchange technology, companies can enroll on-line quickly and easily. Applications are more complete the first time than ever before. One process, multiple carriers, full group risk analysis, and plan selection – you name it, we deliver. Gone are the days of massive paperwork with no results. We capture and store the data so that it can complete virtually any application with more valuable information than ever before!

At Benefit Indemnity Corporation, we won't just help you enroll. We'll conduct a full Group Risk Analysis of your group to determine the very best rates you deserve. Many companies just like yours deserve “preferred rates” but don't know how to find out if they qualify... WE show you how! We review all of your data and provide a Group Risk Analysis that delivers valuable and actionable information that may be able to save you thousands or even tens of thousands of dollars of health insurance premium.

CLICK HERE to watch our "Quick Tips" video to see it in action!

The Revolution Health Plan Series

Benefit Indemnity Corporation offers a wide range of innovative health benefit plans that can meet the needs of almost any size group. From small group, packaged, self-funded plans, to large group, fully customized designs, BIC can support broker and employer needs for innovative benefits and state of the art risk management.

image

The Patriot Series

PPO & HRA EZ

The Patriot Series

Our Patriot Series Plans have options ranging from the richest of benefits to the more modest. Each plan provides a vast array of benefits covered with only a simple copay for the provider. No deductible applies to these encounters, making health care accessible without breaking the bank.

image

The Freedom Series

HSA

The Freedom Series

Our Freedom Series PPO plans are qualified High Deductible Health Plans (qHDHP) enabling the use of health savings accounts. We offer three options ranging from low to high deductible plans. No deductible or copays apply to preventive care under the program as defined in PPACA.

image

The Fortress Series

Minimum Value (MV)

The Fortress Series

The Fortress Plans have been developed in response to the requirements and demands of PPACA. Employers may now find themselves with requirements and penalties for failure to offer certain levels of Minimum Essential Coverage (MEC) to their employees on an Affordable and Valuable (MV) basis.

Revolution Health Plans is an exclusive plan of Benefit Indemnity Corporation:

Type of Plans Offered: Self-Funded Group Plans

Offered in States: Everywhere except New York
(There are stop-loss insurance guidelines - some 26 and some 51 )

Broker Contracting: Click Here to get started.

Aetna®

Health insurance benefits. It’s one of the most important things you manage for the employees of your company. At Aetna, their mission is to empower people to live healthier. And the pledge is simple: count on Aetna for health plans that help increase productivity while helping employees live healthier lives.

Building a healthier world by innovating to make health care simpler, easier and more convenient; helping people achieve their best health, however they define it.

Aetna Funding Advantage

Save big on health care. With Aetna Funding Advantage your business can save up to 25 percent upfront. And you can still have a potential surplus in the long term. Aetna’s self-funding plan option offers:

  • Access to the Aetna provider network and many of our wellness programs
  • Fixed monthly payment options based on the health trends of your employees
  • Turnkey administration by Aetna on one consolidated platform
  • Savings potential that could be as high as 25 percent versus an ACA plan

Innovation Health Funding Advantage

Innovation Health is the result of a unique partnership between two industry leaders: Inova and Aetna. Inova is a nationally recognized not-for-profit health care system serving more than two million people each year. Aetna is one of the nation’s leading health care benefits companies serving over 22 million medical members. Together, the Aetna and Inova partnership is transforming the way health care is delivered — Innovation Health.

The vision is to re-engineer the system and not just fix this broken system, but actually build an insurance company that members feel good about. Let's focus on excellence, collaboration, innovation, affordability and accountability.

Together, Aetna and Inova are taking a new approach to the way health care is offered. With this innovative partnership, these two industry leaders aim to provide more efficient and effective patient care at a more affordable cost. By joining the right medical professionals with the right technology, patients receive the benefit of quality, personalized health care.

Aetna® & Benefit Indemnity Corporation:

Types of Plans Offered: Self-Funded Group Plans thru Aetna Funding Advantage (AFA) and Innovation Health Funding Advantage (IHFA)

Offered in States:  AFA can be written in most states, however the broker must be located in MD, DC or VA to use BIC as the General Agent.  IHFA is a powerful option available only in Northern VA.

Broker Contracting: Click Here to get started.

OptiMed

A United Group Programs, Inc. Brand

United Group Programs, Inc. (UGP) specializes in the design, communication and administration of employee benefits and specialty ancillary programs through the exclusive product line called OptiMed.

OptiMed offers numerous benefit plans and services to the employer. For more detailed information about OptiMed’s services and benefit plans, contact Benefit Indemnity Corporation today.

OptiMed™ & Benefit Indemnity Corporation:

Type of Plans Offered: Gap Coverage, Limited Medical, other Worksite Options, and MORE.

Offered in States: Everywhere except: AK, CT, MA, MN, MT, NH, NJ, NY, ND, UT, WA

Broker Contracting: Click Here to get started.

National General Insurance

National General Holdings Corp. (NGHC) is a publicly traded company with approximately $2.5 billion in annual revenue. The companies held by NGHC provide personal and commercial automobile insurance, recreational vehicle and motorcycle insurance, homeowner and flood insurance, self-funded business products, life, supplemental health insurance products, Short Term Medical, and other niche insurance products.

National General Benefit Solutions

At National General Benefits Solutions, we focus on providing small- and mid-sized employers with benefits options previously only available to large employers — helping employers lower costs while providing quality benefits to their employees. We have health coverage options available in all 50 states, as well as the District of Columbia.

National General Benefits Solutions (NGBS), a part of NGHC is focused on providing cutting-edge benefits solutions to small and mid-sized businesses. Stop-loss insurance for National General Benefits Solutions is underwritten by Time Insurance Company (est. in 1892), National Health Insurance Company (incorporated in 1965), Integon National Insurance Company (incorporated in 1987) and Integon Indemnity Corporation (incorporated in 1946). These four companies, together, are authorized to provide health insurance in all 50 states and the District of Columbia. National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation have been rated as A- (Excellent) by A.M. Best. Each underwriting company is financially responsible for its respective products.

National General Accident & Health

National General Accident & Health, a division of NGHC, is focused on providing supplemental and short-term coverage options to individuals, associations and groups. Products are underwritten by Time Insurance Company (est. in 1892), National Health Insurance Company (incorporated in 1965), Integon National Insurance Company (incorporated in 1987) and Integon Indemnity Corporation (incorporated in 1946). These four companies, together, are authorized to provide health insurance in all 50 states and the District of Columbia. National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation have been rated as A- (Excellent) by A.M. Best. Each underwriting company is financially responsible for its respective products.

National General & Benefit Indemnity Corporation:

Types of Plans Offered: Self-Funded Group Plans, Short Term Medical

Offered in States: Everywhere except New York

Broker Contracting: Click Here to get started.

Starmark® 

A Leader in Self-Funding for Small Groups

Since 1985, Starmark has focused on offering health benefit plan designs for small to mid-size businesses. Known for exceptional personal service, health plan design choices and claims surplus options, Starmark is committed to helping employers offer competitive health benefits to their employees. Starmark prides itself on providing a positive experience for brokers and building lasting client relationships.

Starmark, a Trustmark Company, administers self-funded health benefit plans with stop-loss insurance provided by Trustmark® Life Insurance Company. Trustmark Life is rated “A-” (Excellent) by A.M. Best.

For more than 100 years, Trustmark has helped people increase well-being through better health and greater financial security. The Trustmark Companies serve more than 2 million covered lives or plan participants. Trustmark is committed to long-term financial stability and has assets of more than $2 billion.

Starmark & Benefit Indemnity Corporation:

Type of Plans Offered: Self-Funded Group Plans

Offered in States: Everywhere except North Dakota & New York

Broker Contracting: Click Here to get started.

All Savers® Health Plans and Services

For the health of your business

Plans that don’t break the bank. All Savers® plans were designed to keep the cost of health care low. All Savers® offers a variety of plans as traditional insurance or self-insurance, depending on your state. To learn more about the plans available to you, visit the All Savers® Health Plans and Services page.

All Savers® & Benefit Indemnity Corporation:

Type of Plans Offered: Self-Funded Group Plans

Offered in States: MD, VA, DC, PA, DE, TX, FL, NC, MO, and CO

Broker Contracting: Click Here to get started.