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Washington

    Producers

    Group Medical Plans

    Understanding that small business clients’ needs are different from those of large companies, Total Benefits Solutions (TBS) offers a wide range of group medical plans. Your clients and their employees will appreciate the flexibility to balance premium costs by offering up to two medical plans.

    Plans
    Forms
    Overview
    Providers

    Summary of Benefits and Coverage (SBCs) 

    SBCs are group effective date specific and can be downloaded via the public Aetna website at: https://www.aetna.com/sbcsearch/home


     

    Benefit Grids

    2019

    2018



     

    Small Group Plan Summaries

    PPO- Effective 1/1/19 and Later

    PPO- Effective 1/1/18 and Later

    PPO- Effective 1/1/17 and Later

    Aetna Whole Health- Effective 1/1/17 and Later

    Rainier Health Network – King and Pierce Counties (Small Group 1-50)

    Providence-Swedish Health Alliance- King and Snohomish Counties (Small Group 1-50) The Polyclinic – King County (Small Group 1-50)

    Middle Market (51-100) Plan Summaries

    PPO Effective 9/1/18 and Later For illustrative purposes only. Official plan summaries will be provided to the group upon renewal.

    PPO Effective 1/1/18 and Later For illustrative purposes only. Official plan summaries will be provided to the group upon renewal. PPO Effective 1/1/17 and Later 2017 and 2018 Aetna Whole Health Plan Summaries for Middle Market
    • 2017 and 2018 AWH Mid Market plan summaries are available upon request.
    New Business

    Renewal

    Aetna FSA, HRA, HSA, and POP COBRA Admin Small Group Wellness (1-50) Member Forms & Flyers Billing Middle Market Forms & Flyers (50+ employees)

     

    Aetna – Helping people achieve health and financial security

    Aetna is one of the nation’s leaders in health care, dental, pharmacy, group life, and disability insurance, and employee benefits. Dedicated to helping people achieve health and financial security, Aetna offers a broad range of insurance and employee benefits products plus vast resources for producers and employers to help them make the right choices.

    The Aetna health care network has:

    • More than 1 million health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency.

    Aetna provides benefits through employers in the United States and internationally, with products and services targeted specifically to small, mid-sized and large multi-site national employers, as well as global health insurance for employees on temporary or permanent foreign assignments.

    Ask us about Aetna’s health insurance products including Medical, Dental, Life and Global insurance.

     

    Producer Appointment

    If you or your firm is not yet appointed with Aetna, please apply online:

    https://pangea.geninfo.com/Aetna/Apply

    Dental Plans

    We offer a wide range of dental plans from Aetna, and LifeMap. Ask about our ability to match or exceed your clients’ existing dental plan with a custom quote.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    Aetna – Helping people achieve health and financial security

    Aetna is one of the nation’s leaders in health care, dental, pharmacy, group life, and disability insurance, and employee benefits. Dedicated to helping people achieve health and financial security, Aetna offers a broad range of insurance and employee benefits products plus vast resources for producers and employers to help them make the right choices.

    The Aetna health care network has:

    • More than 1 million health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency.

    Aetna provides benefits through employers in the United States and internationally, with products and services targeted specifically to small, mid-sized and large multi-site national employers, as well as global health insurance for employees on temporary or permanent foreign assignments.

    Ask us about Aetna’s health insurance products including Medical, Dental, Life and Global insurance.

     

    Producer Appointment

    If you or your firm is not yet appointed with Aetna, please apply online:

    https://pangea.geninfo.com/Aetna/Apply

     

    Provider Network Information

    http://www.aetna.com/docfind/

     

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    LifeMap – Overview

    LifeMap is a life and disability insurance company, which offers additional benefits such as dental, life, STD, LTD Accident, and Critical Illness, to provide financial protection and access to care.
    People do business with LifeMap because of their high value products, easy-to-understand language and personalized service. LifeMap provides thoughtful guidance to help people choose the coverage they truly need through life’s transitions.

    LifeMap’s Mission

    LifeMap is dedicated to serving customers through all of life’s transitions. We deliver financial protection and peace of mind with simplicity, education and innovation. LifeMap gives people confidence to live life to its fullest.

    Financial Rating

    AM Best Rating: A- (Excellent)
    As of December 2013, LifeMap’s Risk Based Capital exceeds the NAIC’s acceptable levels by over three times, which aligns with industry averages for other ancillary carriers. LifeMap does not have investments in mortgage securities.

    Click the following link for help finding a network dental provider:

    Provider Network Information

    Life Insurance Plans

    Employees can provide their families with peace-of-mind with our Life and Accidental Death & Dismemberment (AD&D) plans from trusted carriers.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    **As of 4/1/18 Aetna Life plans are no longer available. Please refer to our LifeMap products.**

    Aetna – Helping people achieve health and financial security

    Aetna is one of the nation’s leaders in health care, dental, pharmacy, group life, and disability insurance, and employee benefits. Dedicated to helping people achieve health and financial security, Aetna offers a broad range of insurance and employee benefits products plus vast resources for producers and employers to help them make the right choices.

    The Aetna health care network has:

    • More than 1 million health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency.

    Aetna provides benefits through employers in the United States and internationally, with products and services targeted specifically to small, mid-sized and large multi-site national employers, as well as global health insurance for employees on temporary or permanent foreign assignments.

    Ask us about Aetna’s health insurance products including Medical, Dental, Life and Global insurance.

     

    Producer Appointment

    If you or your firm is not yet appointed with Aetna, please apply online:

    https://pangea.geninfo.com/Aetna/Apply

    .
    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    LifeMap – Overview

    LifeMap is a life and disability insurance company, which offers additional benefits such as dental, life, STD, LTD Accident, and Critical Illness, to provide financial protection and access to care.
    People do business with LifeMap because of their high value products, easy-to-understand language and personalized service. LifeMap provides thoughtful guidance to help people choose the coverage they truly need through life’s transitions.

    LifeMap’s Mission

    LifeMap is dedicated to serving customers through all of life’s transitions. We deliver financial protection and peace of mind with simplicity, education and innovation. LifeMap gives people confidence to live life to its fullest.

    Financial Rating

    AM Best Rating: A- (Excellent)
    As of December 2013, LifeMap’s Risk Based Capital exceeds the NAIC’s acceptable levels by over three times, which aligns with industry averages for other ancillary carriers. LifeMap does not have investments in mortgage securities.

    The LifeMap Life product does not have a provider network.

     

     

    Vision Plans

    We offer your clients affordable, high-quality eye care plans with an eye care specialist network of over 26,000 in the U.S. Our comprehensive eye care plans cover all or a portion of optometrist visits, eyeglasses, contact lenses and even laser surgery.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    Signature Plan A  Eye Exam 12 months, Lenses 24 months, Frames 24 months

    Signature Plan B  Eye Exam 12 months, Lenses 12 months, Frames 24 months

    Signature Plan C  Eye Exam 12 months, Lenses 12 months, Frames 12 months

    The difference in the following plans is the intervals when services are available, as shown below. The 12/12/12 option includes tinted or photochromic lenses at no extra cost.

    Vision Service Plan – Promoting affordable coverage for healthy vision

    With a dream of providing high-quality, cost-effective eye care benefits, a group of optometrists founded VSP in September 1955.

    As the nation’s largest provider of eye care coverage, VSP provides thousands of companies with well-designed vision plans that are available at low out-of-pocket expense. VSP plans meet overall eye health and wellness needs and cover advanced vision correction procedures, including surgery.

    VSP has more than 28,000 doctors in nearly 20,000 offices across the country. Doctors provide both eye exams and eyewear, making them a convenient “one-stop” means of obtaining eye care benefits.

    Ask us about VSP eye care benefit plans.

    Short- and Long-Term Disability, Accident and Critical Illness Plans

    Our competitive Short-Term (STD), Long-Term Disability (LTD), and Accident Coverage plans help to shorten the down-time following an accident while assisting employees who are suddenly faced with a loss of income, and expenses associated with rehabilitation. Our Critical Illness plans alleviate the stress of difficult times with a cash infusion to help cover expenses.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    LifeMap – Overview

    LifeMap is a life and disability insurance company, which offers additional benefits such as dental, life, STD, LTD Accident, and Critical Illness, to provide financial protection and access to care.
    People do business with LifeMap because of their high value products, easy-to-understand language and personalized service. LifeMap provides thoughtful guidance to help people choose the coverage they truly need through life’s transitions.

    LifeMap’s Mission

    LifeMap is dedicated to serving customers through all of life’s transitions. We deliver financial protection and peace of mind with simplicity, education and innovation. LifeMap gives people confidence to live life to its fullest.

    Financial Rating

    AM Best Rating: A- (Excellent)
    As of December 2013, LifeMap’s Risk Based Capital exceeds the NAIC’s acceptable levels by over three times, which aligns with industry averages for other ancillary carriers. LifeMap does not have investments in mortgage securities.

    The LifeMap Disability products do not have a provider network.

    Global Health Insurance Plans

    We recognize that many businesses in Washington State have employees located across the country and around the world. Offer your clients medical insurance options that meet their needs nationally and globally with our expatriate and short-term global travel options.


    You can offer your clients benefit plans that deliver on quality and value

    Clients come in all sizes. And while large companies usually have the resources for high quality benefit plans, small businesses may not. With Total Benefit Solutions, you can offer clients of all sizes fully integrated plans that help keep health care costs down while delivering on quality and flexibility.

    A wholesale insurance brokerage, Total Benefit Solutions is the liaison between insurance brokers and top national and global insurance carriers. Our extensive product portfolio means your clients have access to a wide selection of trusted insurance options for the group insurance market in Washington State.

    Why work with Total Benefit Solutions?

    • TBS is the only source of Aetna group plans in Washington. A leader in healthcare, Aetna has a large, national provider network. In addition, Aetna provides numerous online services for members to access claims, coverage, and consumer health information.
    • Our easy-to-read quotes allow you and your clients to compare our rates to other insurance carriers in the market.
    • You can count on us for extensive support and administration services that make it easy for you to focus on growing your business:
      • Broker education: sales ideas, leads, and strategies for selling our products
      • Expertise in Consumer Directed Health Plans (CDHP), defined contribution, provider recruitment assistance and enrollment
      • Our New Business Team ensures paperwork for new groups is properly completed, provides enrollment assistance and quoting, and billing support
      • Our Renewal Team provides pro-active renewal support, ensures the smooth migration of groups from one plan to another, assists with renewals including strategies to mitigate high renewals, and provides on-going support
      • Fewer billing errors and timely payments – We conduct automatic reviews of charges for new groups and renewals and keep you informed of any issues so you can act immediately
    • Broker incentives with LifeMap and flat commissions from Vision Service Plan are some of the additional perks that come with being a partner of TBS.

    At Total Benefit Solutions, we are always looking for ways to improve our service and grow your business. We strive to make selling insurance easier by offering value-based products, excellent support and a better experience for producers and their clients overall.

    Find out how we can help build your health insurance business today.