Insurance Benefits

Our experienced insurance benefits consultants will help you determine the right group plan for your business and your employees.

Group Insurance Benefits

Group insurance plans are the cornerstone of employee benefits.  Offering the right plans and options to your employees is critical to attracting and retaining the people that you need to make your business successful.  

TracyCo works closely with you to understand your company and your employees.  

We will customize a package of insurance benefits for your business, implement that package, and manage those benefits on an ongoing basis. 

TracyCo works directly with all of the leading health insurance carriers in our area including: 

  • Aetna

  • Highmark

  • United Healthcare 

  • UPMC Health Plan

We help our clients identify the type of health insurance plan and the appropriate insurance carrier that best fits with their workforce.  

Whether you are considering a qualified high deductible plan and Health Savings Account, a Health Reimbursement Account, or a first-dollar plan – we can help you design and implement the right plan for your business. 

We provide fully insured dental plans with carriers including:  

  • Aetna 
  • Delta 
  • MetLife 
  • United Concordia 
  • UPMC Dental Advantage  

Vision carriers include: 

  • Aetna
  • Highmark
  • UPMC
  • Vision Benefits of America

TracyCo also provides self-funded claims payment services for many of our clients.  

Our clients who utilize this self-funded strategy typically realize a significant savings over traditional fully insured dental and vision plans.

We work directly with many insurance carriers to provide group term and optional life insurance plans including:

  • Aetna 
  • Guardian 
  • Highmark 
  • Principal 
  • SunLife
  • The Standard 
  • Unum 

Group term life insurance is a low cost benefit that can have a big impact on your employees’ families and financial security.

As a third party administrator, TracyCo provides short-term disability claims payment services that allow many of our clients to offer this important benefit to employees at a lower cost than traditional fully-insured plans.  

We also can implement fully-insured short-term disability and long-term disability plans.

Managing Cost

The cost of insurance is an important issue for every business.  

Our focus is to make sure that you can offer the insurance plans that you need and stay within a budget that makes sense for your business.  

We manage cost over the long-term rather than just the next 12 months.  

Our approach to cost management includes multiple strategies:

  • Strong negotiation with insurance carriers
  • Plan design
  • Claims management
  • Specialty Rx programs
  • Self-funding
  • Cost-sharing strategies

A Better Experience for Your Employees

Dealing with the complex world of provider billing departments and insurance companies can be a challenging and time-consuming task.
 
When your employees have claims problems, they bring them to us.  TracyCo has an internal claims department that is always a phone call away.

We will deal directly with providers, billing departments, and insurance companies to help resolve problems.

Trust Our Experience

TracyCo has provided insurance benefits solutions to small and medium sized businesses in our region for 40 years.  All of our insurance benefits consultants have a minimum of 20 years experience.

We helped our clients navigate through several significant changes in the insurance markets including those required by the Affordable Care Act and more recently the challenges presented by the Covid-19 pandemic and resulting tight labor market.

Put our experience to work for your company and your employee benefits package will be successful.

Contact Us

Need more information? Get in touch with TracyCo.

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