What Are They?

The non-insurance product industry has only been around for about 20 years and has become much more refined in recent years. Most carriers and brokers are now starting to recognize the quality and value of these benefits.

Why non-insurance benefits?

  • They fit perfectly in our new healthcare environment.
  • Anyone can buy them and use them.
  • They are simple to administer.

How do non-insurance benefits help?

Below are some examples of available non-insurance products: why they help, what they do, and how they work.

Telehealth

WHY?
Increase access while reducing costs! Every call saves $717 in unnecessary medical claims.
WHAT?
70% of doctor visits can be handled by phone (or video), including getting a prescription, if needed.
HOW?
We partner with Teladoc, the first & largest telehealth provider. Our $0 consult fee arrangement encourages employee use!

Doctors Online

WHY?
High out-of-pocket costs, difficulty getting appointments, and long wait times make it a challenge to get advice from specialists.
WHAT?
A personalized email response from specialty physicians provides faster answers and guidance on steps for any necessary care, with no cost for the consult.
HOW?
We partner with eDoc America, a national network of specialists providing online care since 1999!

Advocacy

WHY?
Healthcare is frustrating. Pricing is confusing. Employees need someone to help.
WHAT?
Experts investigate price transparency, help find the right providers, and review, organize or negotiate bills & more.
HOW?
We partner with Health Advocate™, the largest independent healthcare advocacy & assistance company in the U.S.

Savings Networks

WHY?
53% of employers surveyed are willing to cut dental or vision or Rx plans if medical costs rise. Part timers aren’t even eligible.
WHAT?
These networks help employees save on dental, vision & Rx out-of-pocket costs whether they have insurance or not.
HOW?
Thousands of providers through Aetna Dental Access, Coast To Coast Vision, and Argus Rx networks.

Security

WHY?
Legal concerns & recent security breaches reduce productivity & increase stress (which drives up health costs).
WHAT?
Offer premium legal & ID theft protection programs for less cost & hassle than through separate vendors.
HOW?
We partner with the experts: LifeLock and Legal Club of America are among the best in their industries.
Why Now?

What Are They?

Not sure what non-insurance benefits are? Click here for an explanation + examples.

What Are They?

Shelf Product

Is there a pre-packaged set of benefits you can start selling immediately? Click here to learn the details.

Real Examples

Custom Build

How can you design solutions for large and unique clients? Contact us to discuss.