Large Group Solutions

A Better Approach To Health Insurance—Take Control

pexels-photo-1181396

With your diverse workforce and number of employees, don’t you deserve the best and most cost-effective medical benefit solutions? At TAC we provide strategies to overcome the challenges faced by larger companies: administrative complexity, lack of employee engagement, and accelerating, unsustainable costs.

8% Expected Increase In Health Costs In 2025

*Source: PWC Health Industries Research and Insights

Sought After Strategic Advisors With a Different Approach

It’s all about being on the leading edge. We have more than 50 years of experience navigating healthcare and insurance systems and we stay ahead of trends to bring you the best ideas, first.

Strategic Planning to Align Benefits With Business Goals

Proactive Guidance On Insurance Marketplace

Advice On Innovative Approaches

Hands-On Claims Resolution For Yur Employees

Champions For Your Business and Your Team

Tailored Solutions

We find the right plan for your unique needs—or we create it.

With TAC as your benefits advisor, you can attract and retain top talent and remove the administrative hassles that can slow down your business and impact employee morale.

Self Funding

istockphoto-1511978083-612x612-removebg-preview

Control Claims, Reduce Costs

Self-funding allows you to offer quality health insurance with lower costs for you and your employees. Rather than pay monthly premiums, you pay employee claims along with some fixed costs. Because employee claims are visible, they can be actively managed, and savings can be secured.

Benefits of Self-Funding

Proactive Risk Control

More Transparency and Flexibility

Freedom In Plan Design

Cost Management

Protection From Large Claims

Self Funding Simplified

Controlling employee medical claims, increases your savings

Group 4

Traditional Insurance

Group 5

Self Funding

Self-Funding Expertise

Stop-loss insurance, third-party administrators and ERISA compliance make self-funding more involved than off-the-shelf plans. TAC has decades of experience managing the complexities so it’s simple and cost-effective for clients.

Level Funding

Title-image-The-Value-of-Stabilizing-Process-Before-Teaching

Level Funding: Stabilized Monthly Costs, Unused Funds Returned

Level funding allows companies to safely transition to self-funding by offering stable monthly costs and protections to limit liability. Best, if employee medical claims are lower than the funds you pay in for the year, a check for the difference will be sent to you.

Benefits of Level Funding

Predictable Monthly Sosts

Multiple Deductible and Coinsurance Aptions

Flexible Plan Design Options

100% of Unused Claim Reserve Returned

Access To Detailed Claim Data and Analytics

RBP

Coin stack step down graph with red arrow, Risk management business financial and investment, Copy space

Bending The Cost Curve

One of the best cost-management tools available, referenced-based pricing (RBP) delivers savings for both the employee and the employer. It provides employees with upfront pricing for services so they can make informed decisions, and virtually eliminates medical bills for the balance between providers’ charges and their Medicare reimbursement.

Benefits of RBP

18 – 22% savings versus typical medical program costs

Upfront pricing information for medical services

Patient support teams to establish agreed upon reimbursements

Best-in-class bill negotiation

Sustainable, high-quality insurance offerings

Additional Benefits

pexels-photo-1194235

Wellness Programs

Want to help your employees improve their health? We offer wellness programs that educate, motivate and empower individuals to make lasting lifestyle changes such as smoking cessation, weight loss, stress management, and exercise.

EAP Programs

TAC provides access to Employee Assistance Programs (EAPs) with counselors to guide individuals who have personal issues such as grief, work stress, caring for children and aging parents, divorce, substance abuse and financial and legal matters.

Tax-Advantaged Health Savings Accounts

Both FSAs and HSAs allow employees to pay for eligible medical expenses on a pre-tax basis, thus reducing their taxable income. TAC offers both. The difference is that with FSAs, funds must be used during the year or they are lost. With HSAs, employees can leave money they don’t need in the account year after year until age 65 and withdrawals for qualified healthcare expenses are tax-free.

Interested in ideas for saving on your employee health insurance?

CONTACT US

  • ADDRESS:
    540 Pennsylvania Ave Suite 230                       
    Fort Washington, PA 19034

    PHONE:
    215-663-8000

    E-FAX:
    Sales:     215-693-5831 Service:  215-693-5836