Fully Insured Vs. Self Funding
Fully Insured – the employer purchases a standard healthcare coverage from a commercial carrier such as UHC, BCBS, Cigna or Aetna. The insurance company takes the risk associated with the employees’ healthcare and the profit when premiums exceed claims costs. Self...
Is Stop-Loss (aka Excess / Self-Insurance) Coverage Right for You?
If you’ve been following USBenefits Insurance Services articles you probably noticed a theme – the benefits and disadvantages of stop-loss (excess / self-insured) coverages and the importance of employing strategic plans. These plans could include, but are not limited...
Employer Groups Lowest Price Distraction
Some employer groups (employers) are fortunate to have brokers, consultants or Third Party Administrators (TPA) that represent their financial interests. These producers understand the employer’s “bottom line” to their clients and do not act as an insurance coverage...
Claim Success Story #5 – Burn Claim
The USBenefits claim department has, on average, over 35 years of experience in claim payment and review. Your goal is our goal – to provide the best possible outcome for the employer. This knowledge base, along with a team of the top cost containment vendors in the...
Claim Success Story #4 – Letter From an Attorney
At USBenefits, we bring experience, professionalism and unmatched customer service to every interaction. Your goal is our goal – to provide the best possible outcome for the employer. To ensure that happens, we prioritize leveraging our resources to navigate you...Latest News
Medical Stop-Loss Brochure
