Trusty Health Insurance Agency
Major Medical Insurance
Plan Options
Coverage plans designed
for your needs
Preferred Provider
Organization
Offers the most flexibility for employees to see any doctor, with lower out-of-pocket costs when staying within a vast network of providers.
High Deductible
Health Plans
A cost-effective strategy for employers that empowers employees to save for medical expenses tax-free using Health Savings Accounts.
HMO & EPO
Options
Streamlined, network-focused plans designed to provide high-quality care at the most competitive premium rates available.
Comprehensive Care for Every Stage
100% coverage for annual exams, immunizations, and screenings to catch health issues before they become serious.
Fully Insured Plans
What's included
This coverage acts as your primary financial safety net, designed to handle everything from routine maintenance to life-saving interventions.
Common coverage may include:
In-Patient Hospitalization
Covers the heavy costs of hospital stays, including semi-private or private room rent, ICU charges, and nursing fees.
Surgical Procedures
Full coverage for both inpatient and outpatient surgeries, including operating room charges and surgeon fees.
Preventive & Wellness Care
100% coverage for annual physicals, immunizations, and age-appropriate screenings (like mammograms or colonoscopies) to catch issues early.
Emergency Services
Includes emergency room visits, urgent care, and ground or air ambulance transportation.
Prescription Drug Benefits
Access to a wide formulary of generic and brand-name medications with tiered co-pays to keep costs predictable.
Diagnostic & Lab Work
Covers essential testing such as X-rays, MRIs, CT scans, and blood work required for diagnosis or ongoing monitoring.
Advanced Self-Funded Solutions
Self-funding allows organizations to pay only for the healthcare their employees actually use. Instead of paying a fixed premium to an insurance carrier (where they keep the profit), you contribute to your own claims fund.
Monthly Contributions
No fee for doctor visits or services.
Stop-Loss Protection
Coverage starts immediately.
Claims Transparency
Covered care is fully paid by the plan.
You have the freedom to decide exactly what is covered, from specific prescription tiers to specialized wellness programs.
Why It Matters
Major Medical — The Foundation of Employee Security
Protects Against Catastrophic Costs
Major medical insurance acts as a critical shield, preventing a single illness or accident from becoming a life-altering financial crisis for your employees. By covering high-cost events like surgeries and hospitalizations, you provide true peace of mind.
Attracts and Retains Top Talent
In a competitive job market, high-quality health insurance is the #1 benefit employees look for. Offering a robust Major Medical plan makes your organization a destination for the industry’s best professionals and significantly reduces turnover.
Promotes a Healthier, More Productive Workforce
When employees have access to 100% covered preventive care and affordable doctor visits, they address health issues early. This leads to fewer sick days, higher energy levels, and increased engagement on the job.
Significant Tax Advantages
Contributions toward employer-sponsored health insurance are generally 100% tax-deductible for the business. Additionally, offering these benefits can lower your payroll taxes, making it a highly cost-effective way to compensate your team.
Compliance and Peace of Mind
Stay ahead of ACA (Affordable Care Act) requirements and avoid costly penalties. We ensure your plan design meets all legal standards while providing the highest possible value for every dollar spent.
Client Trust
Why Employers Work With Us
We go beyond traditional brokerage to deliver strategic value that transforms your health insurance program.
Tailored Benefit Strategies
We don't believe in one-size-fits-all. Our team helps you build a Major Medical offering that aligns with your specific workforce demographics, company budget, and long-term business goals.
Strong Carrier Partnerships
Leverage our deep relationships with top-tier national and regional carriers. We negotiate on your behalf to secure competitive rates, broad provider networks, and the most reliable support systems available.
Enrollment Education
A great plan is only valuable if employees understand it. We provide clear communication materials and guided enrollment resources to ensure your team feels confident and appreciative of the benefits you provide.
Simple Implementation Process
From initial plan setup to ongoing administration, we streamline the entire process. We also provide the expert oversight needed to ensure your plans remain fully compliant with ever-changing ACA regulations.
Our Strategies
Who Should Consider Medical Insurance
Major Medical Insurance is the cornerstone of a competitive benefits package. It is essential for organizations that want to protect their employees from high-cost medical events while maintaining a healthy, productive workforce.
Growing Businesses: Companies looking to attract and retain top-tier talent in a competitive labor market.
Diverse Workforces: Teams that include everyone from young professionals needing preventive care to established families requiring comprehensive coverage.
Budget-Conscious Employers: Organizations seeking to move away from “one-size-fits-all” plans toward strategies that optimize premium spend.
High-Performance Teams: Businesses that recognize the direct link between employee health, reduced absenteeism, and overall productivity.
Trusted By Industries
Industries We Serve
Every industry has unique workforce structures, budgets, and healthcare needs. We work with businesses across a wide range of industries to design benefit programs that support both employees and business owners.
Some of the industries we commonly work with include:
Construction & Skilled Trades
Manufacturing
Automotive & Transportation
Professional Services
Real Estate & Mortgage Professionals
Technology & Software Companies
Healthcare & Medical Practices
Restaurants & Hospitality
Retail Businesses
Logistics & Warehousing
Landscaping & Property Services
Contractors & Home Service Companies
Financial Services & Accounting Firms
Marketing & Creative Agencies
Small Business Owners & Entrepreneurs
Whether your company has a small team or a large workforce, we tailor health benefit strategies to fit the realities of your industry.
Client Trust
Common Mistakes Employers Make With Accident Insurance
Common Mistakes Employers Make With Accident Insurance
Assuming Medical Coverage Is Enough
Many employers believe that if they offer a solid health plan, accident insurance is redundant.
Failing to Provide Adequate Education
If employees do not understand how accident insurance works, participation and perceived value may remain low.
Choosing One-Size-Fits-All Coverage
Different workforces have different risks and financial needs, so plan design should match employee demographics and priorities.
Ignoring Family Coverage Needs
Many employees value accident protection for spouses and children, especially when dependents are active in sports and activities.
Insured Options
Understanding Your
Plan Options
Employers can structure accident insurance in different ways depending on workforce needs, contribution strategy, and enrollment goals.
Employer-Paid or Voluntary Plans
Major Medical Insurance is a comprehensive coverage foundation designed to help employees manage significant healthcare costs, from routine wellness to catastrophic medical events. It provides essential financial support for hospitalizations, surgeries, and specialized treatments, ensuring employees have access to high-quality care when they need it most.
This insurance is typically a shared investment, but it can be structured as a fully employer-paid benefit to maximize talent attraction and retention. When an employer covers the full premium, it serves as a powerful recruitment tool and ensures a 100% participation rate, protecting the entire workforce from the rising costs of medical care.
Alternatively, many organizations utilize a cost-sharing or employee-paid model. In this structure, employees can choose from various plan designs—such as PPOs or HDHPs—allowing them to select the level of coverage that best fits their family’s needs and personal budget.
Flexible Benefit Designs
Major Medical plans include a wide array of essential health benefits tailored to provide a complete continuum of care. This coverage ranges from routine preventive wellness and primary care visits to more intensive services like specialist consultations, advanced imaging, and long-term recovery support. Such a comprehensive structure ensures that employees are financially protected at every stage of their healthcare journey, whether managing a chronic condition or facing a sudden medical crisis.
Coverage levels and out-of-pocket structures can be customized based on the chosen plan design. Some organizations may opt for lower-deductible plans that provide robust immediate coverage, while others may prefer High Deductible Health Plans (HDHPs) paired with Health Savings Accounts (HSAs) to offer long-term tax advantages. This flexibility allows employers to strategically select plan tiers that align with the specific health needs and demographics of their workforce.
Individual and Family Coverage Levels
Major Medical plans provide employees with the flexibility to select coverage tiers that align with their specific health requirements and financial situation. This allows each individual to choose a plan—whether it be a PPO for provider flexibility or an HDHP for tax savings—that best fits their personal medical needs and life stage.
In addition to individual protection, our medical plans allow employees to extend comprehensive health benefits to their spouses. This ensures the entire household has access to the same high-quality network of doctors, preventive services, and emergency care, providing financial security for the family’s most significant healthcare expenses.
To provide a truly complete safety net, these plans offer robust dependent coverage. Children and other eligible family members can be fully integrated into the medical plan, ensuring they receive essential pediatric care, immunizations, and specialist services. This makes the employer-sponsored benefit significantly more valuable for families with diverse healthcare needs.
Client Trust
Finding the Right Strategy
Every business is different, and there is no one-size-fits-all insurance solution. Our team helps employers evaluate all available options to determine the most effective strategy based on workforce size, care needs, and long-term cost goals.
Partners You Know & Trust
