Comprehensive Coverage Packaging
Contact our coverage experts for suitable healthcare tiers to match your individualized needs!
Comprehensive Coverage Packaging
Contact our coverage experts for suitable healthcare tiers to match your individualized needs!
About Us
Our Commitment to Quality
At Total Insurance Planning Services, Inc. (TIPS) our mission is to help clients mitigate risk, solve problems, and make better business decisions. Our clients trust us to provide them with the highest quality benefits, and we’re passionate about fulfilling that important responsibility. For over 30 years, TIPS has been a strong business partner to clients due to a simple approach: to serve in our client’s best interests. This means results based on your agenda, not ours. Our business strategy is based on a philosophy of service, and it’s reinforced by an infrastructure that empowers our employees to achieve the best results for you. For us, delivering an outstanding customer experience is directly related to giving clients peace of mind. We help protect your resources and people, so you can focus on running your business.
We are committed to forging lasting partnerships with individuals and successful organizations like yours. We are focused on providing unmatched customer satisfaction. With a team that boasts nearly 90 years of experience in the insurance industry, we understand the daily challenges of individuals and businesses. We are perfectly positioned to add true value as a partner. Whether you are a customer, prospective customer or an insurance company partner, you can be assured you have a relationship with a strong, growing company led by experienced, quality people. It’s simply better to do business with TIPS. When you consider that the health insurance industry is one of the fastest evolving industries in our country today, due to the Affordable Care Act and it’s compliance and reporting mandates, it’s no wonder that you can find yourself in complicated and confusing situations. TIPS can offer you a distinctive advantage, as a silent but formidable partner in helping you enhance your employer-employee relationship by assisting you in the enrollment process, acting as your advocate with insurance companies and being pro-active in assuring your complete satisfaction with our service. TIPS will also guide you in advising you of your obligations with the laws, both state and federal. The results will be a more contented workforce and knowing that you have some of the most experienced allies making sure you and your employees are protected and are getting the best value for every dollar spent on your group’s benefits.
TIPS offers you:
- Independent and non-partial advice.
- We work for you, not the insurance company.
- We represent a large number of Insurance Companies, no company does it all well, so we give you access to the best companies based on you and your company’s individual needs.
- We strive to assure that you get the best prices and best benefits for your money.
- Service
- We not only assist you in selecting and implementing quality benefits but remain an integral partner in servicing you after benefit implementation.
- We are a privately held, family-owned organization. When you call, you will always speak to someone whose mission it is to provide the best possible service.
- We have a long-forged relationship with the finest insurance companies; relationships built on integrity and hard work.
- We are at your disposal to assure your satisfaction and that of your employees. In this way we do our part in helping you retain quality employees.
· We work with you to review renewals and alternatives.
· We offer reviewing of claims on a quarterly basis. Helping with the planning of renewals to provide for annual budget planning.
· We conduct meetings with all employees at open enrollment.
· We provide an internet-based enrollment system in order to assist with enrollment in all Benefits offered. This will assist in maintaining good participation. This also demonstrates to employees that the employer is interested in making certain employees are well informed about their benefits which your organization offers to protect them and their families.
· We keep you advised on frequent changes with the ACA and its reporting requirements. This will help keep you in compliance with the law and help advise how to avoid fines or fees associated with it.
· We can assist with Claims issues (This requires a “Delegate” form from the employee or dependent in order to allow us permission to speak on their behalf.)
· We provide PDF Benefit booklets specific to your organization which can be integrated into your web-based HR system.
- Rates
- We can provide quality products at the most competitive prices available as offered over a wide range of insurance companies with which we do business.
- We provide quick quote turn around.
- Worksite Products
- We can provide Worksite Products which have become a big area of demand for employers to offer employees.
- Offering group sponsored Worksite Products allows employees the ability to purchase benefits at much better prices than possible on an individual basis.
- In some cases, coverage is offered on a guaranteed-issue basis.
- Often these products are portable at no additional cost.
- Some products can have positive tax consequences to the employer and employee which is not the case when these products are purchased on a direct, individual basis.
We offer a complete Suite of Individual and Employee Benefits:
- Group Medical
- Fully Insured
- Self-Funded
- PPO
- HMO / POS
- Consumer Driven Health Ins.
- HSA’s
- HRA’s
- FSA’s
- Group and Voluntary
- Dental
- Vision
- Life
- Short Term Disability
- Long Term Disability
- Legal
- Worksite
- Section 125 Administration (3rd Party)
- COBRA & HIPAA Administration (3rd Party)
- Accident
- Cancer
- Life
- Critical Illness
- Gap Plans (Helps pay Deductibles and Co-insurance)
- Retirement Plans
- 401K’s
- IRA’s
- SEP’s
- Profit Sharing
- Executive Life
- Focus 10
- Executive Life
- Buy / Sell
- Key Person
- Online Benefits Administration