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Plan Design


Customized to fit your needs

Your Trustco benefits team will consult with you in designing and implementing a comprehensive, cost-effective benefits program. Our plans are designed to align with your company’s specific needs, culture and priorities. Noteworthy features of our plan design process include:
  • Market Presence: Keeping your costs low is essential.

  • Our Approach: Providing benefits is a balancing act; between managing employer’s responsibilities and ensuring employee satisfaction. Both components are critical to the long-term success of your company, and the benefit plan should reflect that

  • Bid Process: Trustco provides a comprehensive annual bid to insure our clients are getting the market’s best pricing and plans. This allows for the most competitive offering for both you and your employees.

  • Individualized approach: Most of our competitors engage in a large team-based approach; resulting in a "not my job" mentality. At Trustco your broker or consultant directly with underwriters. We do not utilize marketing intermediaries. We provide require direct communication to insure no part of the message is lost.

Components

Making the right decision for your plan includes a number of components, including:

  • Plan Payment Options
  • Health and Wellness Services
  • Differences and Benefits of HRAs, HSAs, and FSAs
  • Voluntary Benefits
  • Enrollment Processes
  • Carrier Resources

To find out more please contact us to learn more!

Underwriting


Details, Understanding & Insight

Whether self-funded or traditional plans, underwriting is crucial to your plan success. Our team will analyze your current needs along with historical results to negotiate your renewal.

Benchmarking: Understanding how you are doing compared with your peers is important. This can be viewed in two basic areas; Claims & Benefits Package. Your claims trends versus your peers helps determine potential renewal rates. Your benefits package versus other companies helps you educate employees on your specific benefits.

Forecasts & Analysis : As claims trend negatively it's important to budget and analyze claims for their effects on future premiums. Trustco's benefits team helps analyze these trends to prevent or adjust wellness services to future claims.

Plan Analysis : Health & wellness programs, preventive medical and tele-health services are tools that can all help reduce claims & insurance utilization. However, without analysis it's impossible to know how to apply & market these tools to employees.

Contact us for an underwriting review to see what improvements you may be overlooking.

Compliance


Clear, Concise & Compliant

Trustco utilizes attorney's and compliance specialists in the human resources, benefits & compliance industry. Our philosophy is that knowledge is gained through experience. Utilizing compliance personnel who provide services to clients of every shape and size help insure your compliance is in sync.

Regulatory & Legal Updates : Our compliance personnel constantly monitor the ever-changing legal environment to insure you are as up to date as possible. Our team monitors both state & federal legislative changes.

Guidance: Providing updates is only part of the problem, understanding is just as difficult. With Trustco's team of advisers and experts we can help you navigate these waters without having to review reams of regulations.

Education: Our partner attorneys and compliance specialists provide seminars, "lunch & learns" along with on-site education on a number of topics. Sample education topics include:

  • FMLA - Family Medical Leave Act
  • Americans with Disability Act
  • Healthcare Reform
  • Employments Records &: Retention
  • Harassment & Discrimination Training
  • Employee Handbooks

We'd love to show you how we can help you focus on your business and not your benefits compliance! Contact us to find out how!

Enrollment


"Open enrollment", the phrase can bring chills to an HR Manager. Collecting forms and keeping it all organized can be a monumental task. Trustco's resources can help simplify & streamline this for you.

Paper or Click?

Our benefits partners provide various points of access for both you and your employees. For those that prefer on-line we have a solution for that. For those that prefer pen & paper we have a solution too! They all funnel to the same location making aggregation of data simple.
  • On-line: Utilizing our online enrollment systems, employees are able to enroll in their benefits via the internet—available whenever they need it.
  • Paper: Development and distribution of these forms in conjunction with the HR Manager's direction on dissemination.
  • On-Site: Understanding benefits can be difficult, explaining it to employees is even more so! Trustco's health partners can provide on-site enrollment assistance to reduce this burden
  • Training: Our benefits team can provide assistance and training to HR Managers and their team to help maintain compliance.
Simplify: Utilizing both on-line and in-person options allows for more actionable and simplified benefits enrollment.

Private & Secure : Our enrollment process is HIPAA compliant, ensuring the privacy and security of your employees' personal information.

Updates & Follow Through : Benefit files are automatically generated and sent to our carriers on a regular basis. Reduce your billing errors & coverage oversight by instituting a regulate update program.

We'd love to show you how we can help you focus on your business and not your benefits enrollment! Contact us to find out how!

Voluntary Benefits


Retaining talented employees requires benefits that address their personal goals & dreams along with their worries & fears. At Trustco, we know these benefits need to be both at a competitive priced and flexible. This helps your employees feel that their plan is working for, not against, them.

Voluntary Benefits

  • Long-Term Disability
  • Short-Term Disability
  • Accidental Death & Dismemberment
  • Life Insurance (Group, Group Voluntary, Individual, etc.)
  • Critical Illness
  • Cancer Coverage
  • Long-Term Care

Ancillary Benefits

  • Group Home & Auto Insurance
  • Legal Services
  • Identity Theft
  • Executive Umbrella
  • Wealth & Estate Planning
  • Tele-Health (find out more here)
  • Travel Assistance

We'd love to show you how we can deliver more benefits to your employees without increasing your costs! Contact us to find out how!

HR Services


Small Business Owners have to wear many hats! Usually being your own human resources director is one of them. Luckily Trustco can help!

Next-door out-sourcing

Trustco's partners can provide out-sourced third-party HR Services to you and your employees. These services are not provided overseas, in a call-center, etc. These are local partners that understand your business, often with "boots on the ground". Letting our partners keep you in compliance allows you to focus on what you're good at: building your business!

HR Services offers subject and management training courses for employers on the following HR-related topics:

  • COBRA
  • FMLA
  • ERISA
  • HIPAA Compliance
  • Sexual Harassment
  • Routine Regulatory Updates
  • OSHA
  • MSHA
  • Safety Review & Training
  • And more

These services are separate from insurance and are billed directly through HR Service company.

We'd love to show you how we can help you focus on your business and not your benefits compliance! Contact us to find out how!

Tele-health


Reduce healthcare cost

Trustco's tele-health medical consultations in the United States, providing over 2 million members 24/7 access to affordable healthcare via phone and video consultations—whenever they need it, from wherever they are.

97% member satisfaction!

What is tele-health?

Trustco's tele-health provides solutions its employees and employers with 24/7/365 access to quality care from their home or office as opposed to more expensive settings like the doctor's office or emergency room.

Why tele-health?


How Much Could You Save?

Trustco's tele-health providers utilize national networks of physicians who specialize in medical issues for people of any age. Our providers have a 91% medical resolution rate and treat the following conditions:

  • Sore throat
  • Bronchitis
  • Allergies
  • Stuffy nose
  • Poison ivy
  • Pink eye
  • Urinary tract infection
  • Respiratory infections
  • Sinus infections

The Tele-health Solution:


Cost


Healthcare expenses, premiums and out-of-pocket costs are increasing at twice the rate of inflation, putting the crunch on health plans, employers, unions and patients alike.

 

Starting at $38/consultation, Trustco's tele-health service providers is a great alternative to $100 doctor visits or $750 ER visits.

Quality


Americans can't get timely doctor appointments. The result? They go to costly ER and urgent care clinics, or they wait. Then spend half a day away from work for a 4-minute visit.

 

Utilizing the largest national network in tele-health today, Trustco's partners are available 24/7 with an average response rate of 22 minutes.

Access


Retail and urgent care centers often use physician assistants and nurse practitioners. The average physician consultation lasts only 3-5 minutes.

 

Our partners utilize physicians that are board-certified in internal medicine, family practice, emergency medicine and pediatrics. And there is no time limit to a consultation.


 

We'd love to show you how we can help reduce both yours and your employee's cost of healthcare. Contact us to find out how!