Health and Benefits Program
Learn how you can save up to 30%
As healthcare costs in the U.S. continue to rise, many are struggling to pay their premiums, let alone the out-of-pocket expenses or lost wages associated with many health concerns. Choosing a health and benefits insurance plan that allows for safe, high-quality healthcare at a cost you can afford can be confusing—especially without an expert partner to guide you to the option that meets all your needs.
The good news is that TechServe Alliance has created a specially designed program to serve the needs of IT and engineering staffing firms. With offerings tailored to your specific industry in mind, we’re confident you’ll find the right program for you.
- TechServe Alliance Level Funded Plan
- Level Funded Plans That Use the Cigna Provider Network and Data-driven Insights to Reduce the Need to Provide Claims Info and Questionnaires
- Captive Opportunity for Larger Firms
- Low Cost (MEC) Plans & Unlimited Direct Primary Care Plans
Our health and benefits insurance plans include health, dental and vision, life and disability plans, accident and critical illness, level-funded and self-funded health plans. And if you’re looking for coverage that provides income in the event the member cannot work, we offer no-exam life insurance, disability insurance, business overhead coverage and long-term care plans.
Here’s a snapshot of just some of the available plans and their features.
Looking for a trusted Health & Benefits partner?
Contact Brian Drummond, Senior Health Benefits Advisor to find out why IT & Engineering Staffing firms choose TechServe Health & Benefits Program
- Health, Dental & Vision
- Life & Disability Plans
- Accident & Critical Illness
- Level-Funded Health Plans
- Self-Funded Health Plans
- No-Exam Life Insurance
- Disability Insurance
- Business Overhead
- Long Term Care Plans
- Contribution Strategies
- Individual Coverage HRA
- Class Structure
- Plan Design or Carrier Changes
- Provider Network and Payment Options
- Funding Options
- Carriers: You can change a fully insured carrier at any time
- Plan designs: Most carriers will let you increase out-of-pockets mid year
- Payroll deductions: You can increase employee deductions at any time (with 30 days notice)
- Class structure: You can change the class structure at any time (with 30 days notice)
- MEC Plan: You can add a minimum essential coverage plan at any time
- Funding: You can move to a level funded health plan at any time
- You can add or change HRA or HSA amounts at any time (with 30 days notice)
- You can implement an Individual Coverage HRA (IC-HRA) at any time
- If you offer a level funded or self-funded health plan, these are annual contracts.
If you don’t know where to start when it comes to your company benefits, I recommend you consider these five “first-things-first” questions:
- What? What were the reasons for deciding upon your current benefits plan? Was it for the carrier? Deductible? Out of pocket maximum?
- Why? Why did you make those decisions?
- When? When did you make those decisions?
- How? How did you make those decisions?
- Who? Who made those decisions?
The landscape is changing and time has passed. If you can’t confidently answer those five questions, this is the best place to start.
I work closely with groups of all sizes to build unique strategies for their employee benefits portfolio, as well as income protection for business owners and managers.
I am committed to impacting your business and employees in an immediate, meaningful way. For the business owner, that might mean the ability to scale and grow your business, which can now serve many more clients/customers. For the employees, that can mean providing more healthcare coverage at a lower cost. Win/Win.
Brian Drummond, Senior Health Benefits Advisor
What our members
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Is there a minimum number of employees required to participate in the TechServe Alliance Health & Benefits Program?
No, TechServe Alliance does not require a minimum number of employees to participate. However, insurance carriers typically require at least two full-time, non-spouse employees to be considered a group for underwriting purposes. While only one employee may choose to enrol, at least two must be eligible to form a group.
Does my company need to be in IT staffing or engineering staffing to participate?
While TechServe Alliance primarily serves IT and engineering staffing firms, we also work with staffing and solutions companies in other verticals. We evaluate prospective participants on a case-by-case basis.
Can a company change its broker or insurance provider at any time?
- Fully insured plans: You can switch carriers at any time but typically only change plans within the same carrier during open enrollment.
- Self-funded or level-funded plans: These are typically annual contracts, so changes usually happen at renewal time.
How does a low participation rate impact my ability to get coverage?
Low participation can create challenges in securing competitive insurance options. Some carriers require a minimum participation rate and plans with low enrolment may experience adverse selection, where primarily high-need employees enrol — leading to higher costs.
TechServe Alliance understands these challenges and can help find solutions tailored to your firm’s needs.
What are the best plan options for a small IT staffing firm with low participation?
The best plan depends on your company’s size, structure, and goals. Options include:
- Fully insured plans (good for small groups, but may have participation requirements)
- Level-funded plans (offer cost predictability but depend on participation levels and claims experience)
- Self-funded plans (typically best for larger firms with stable participation) TechServe Alliance can help you explore the best approach for your firm.
How does the level of employer subsidy impact participation?
Higher employer subsidies generally lead to higher employee participation. Firms that contribute more to employee premiums tend to see better participation rates, which can help secure more competitive insurance options.
Can I offer different benefits to my internal employees and consultants?
Yes, you can structure different benefit classes for internal staff (e.g., management, recruiters, sales) and consultants. Many staffing firms provide higher employer contributions to internal employees and a lower contribution to consultants.
TechServe Alliance has extensive experience designing compliant plans that meet both business and financial goals.
How long can I wait before making employees eligible for benefits?
You can establish waiting periods before employees become eligible for coverage. Many staffing firms set different eligibility criteria for internal staff versus consultants. We can help you structure eligibility rules that align with your business needs while staying compliant with regulations.
For more information or to discuss your specific needs, contact TechServe Alliance today!
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Schedule a consultation with Brian Drummond, Senior Health Benefits Advisor for the TechServe Alliance Health & Benefits Program
Services offered through TechServe Alliance Employee Benefits & Insurance Solutions LLC