Health Management Program

Twin City Underwriters, Inc. offers a Health Management Program that is an employer sponsored, self-funded, self-insured, limited benefit program built on a Section 125 plan. The intent of the plan is not to replace your company’s major medical health insurance but to enhance it. This program offers many benefits to the employer and the employees creating a win-win situation.

Benefits to the Employer

An average of $500 in net FICA savings per participating employee per year.
$0 net cost to the employer.
Additional health insurance benefits for the employees.
Increases employee take home pay by introducing the benefit.
Provides employees with the technology that empowers them to improve their health.
Incentivizes employees to participate in specific health improvement activities each month.
When employees use the program benefits it will reduce utilization of your major medical plan potentially lowering renewal premiums.

This program is an excellent front-line defense for your employee benefit program. Utilization of the health benefits will divert claims away from your major medical plan, increase savings and potentially healthier employees at renewal. It pairs with fully insured, level funded and self-funded health plans nicely but operates autonomously.

Benefit to your Employees

Increase in employee take-home pay on average of $125 / month or $1,500 per year.
Added unlimited health and wellness benefits at no extra cost. No deductibles, copays or coinsurance.
Technology and medical resources to empower employees to take control of their health.
Gives employees the ability to lower their annual out of pocket expenses and annual group health premiums.

Added insurance benefits include unlimited primary care office visits, urgent care visits, generic prescription drugs, preventative care services, virtual primary care and behavioral healthcare, and even virtual veterinarian care. These benefits are unlimited and have no copay, coinsurance or deductible!

Network: First Health Providers is a national PPO network with over 800,000 contracted providers.
Prescription Drug Formulary: 600 of the most commonly used generic prescription drugs.

$0 net cost to you and your employees

This Health Management Program creates tax savings to fund, administer and maintain the program while adding extra health benefits, reduced employer FICA taxes, and increased take-home pay for your employees.

The result is $0 net cost to you and your employees!

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Kari Mellone

Chief of Staff

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Dean Hanson

Group Sales Manager

Sound too good to be true?

Call today to let us show you how the program works and how to implement it.

Call us at 651-488-0172 to book a meeting or schedule online below.

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