Comprehensive health benefits bundled with supplemental insurance and voluntary benefits — designed for your business AND your employees.
Get the Telco Benefits Alliance insurance program today.
- $0 deductibles and co-pays health expenses for employees
- Cost savings for employers
- Greater range of benefits
- No health questions asked
- Same benefits carrier with voluntary benefits
Sounds too good to be true? These are just a few benefits you get when you partner with us.
Get better benefits!
With over 20 years of experience in providing employee benefits to telephone companies, we’ve custom built the Telco Benefits Alliance insurance program for the telecommunication industry that offers a range of coverages — comprehensive health benefits bundled with supplemental insurance and voluntary benefits.
Everyone Wins!
More than 50 rural telephone companies have already experienced the power of Telco Benefits Alliance, Powered by Hilb Group. You too can enjoy the same values we provide to businesses and their employees.
The Value Your Employees Receive
- $0 out-of-pocket expenses (deductible and co-pays) for health benefits
- Same-day primary care at no extra cost
- Included primary care coordination
- Waved costs for key primary care services
- Convenience of a single ID card
- Portable voluntary coverages (not health supplemental insurance)
- Dependents can be added to any voluntary coverages
- No health questions asked to qualify
- $100/person/year/policy reimbursement for wellness related procedures in Accident and Cancer coverages
- Affordable premiums
- Simplified claims filing
The Value Your Business Receives
- Reduced employee benefits plan costs through level-funded health plan, gap coverage, voluntary benefits, and international drug sourcing
- Full cost transparency with zero hidden fees
- Customizable options with 8 deductible plans
- Up to 5 customizable plan designs to choose from to meet your diverse employee need
- 100% refund of your claim's surplus
- No need to change benefits carrier with supplemental and voluntary health plans – our plans are 100% compatible with all major medical plans, including NTCA health plans
- Voluntary coverages are available with as few as 5 employees
- Better talent acquisition and retention
Discover Purust Health. Pure Control. Pure Savings. Pure Care.
Our Comprehensive Level-Funded Health Benefits
Traditional health plans often come with hidden fees, poor cost transparency, and limited flexibility due to conflicts of interest. For example, a Pharmacy Benefit Manager (PBM) may own the insurance carrier or Third-Party Administrator (TPA), removing checks and balances and reducing the incentive to manage costs effectively for your business.
Level-funded plans, on the other hand, offer more predictability and control over costs. Our streamlined, all-in-one solution combines a level-funded health plan, supplemental coverage, and top-tier medical care. Every aspect of Purust Health focuses on reducing unnecessary spending and maximizing savings for your business and employees. If you’re looking to lower costs* without compromising on quality, Purust Health delivers unmatched value with transparency and better control over employee health benefits.
The Purust Health Difference
Potential Significant Cost Savings*
- Lower premiums* by design through eight deductible options, wider selection of plan options, and five national network providers.
- International prescription sourcing to secure more affordable options.
- Full drug rebate returns to your business.
- Claims control through diligent management, using stop-loss insurance and redirecting smaller claims to the built-in supplemental health plan.
- 100% refund of your claim’s surplus. No other major carrier does that.
Unmatched Flexibility
- Eight deductible options from $0 to $9,200 to fit your budget.
- Up to five customizable plan designs to meet your diverse employee needs. Most traditional medical plans limit your number of plan options.
- Five national PPO network providers
Exclusive Primary Care Features
- At no extra cost, same-day access to advanced primary and urgent care, and specialist consults via telehealth and 24/7 messaging, with $0 co-pays and $0 deductibles.
- Waived costs for key services, such as advanced imaging, blood work, durable medical equipment, and diabetic supplies.
- Complimentary mental health counseling services at $0 out-of-pocket cost and $0 deductible.
Complete Transparency
- Full cost breakdown of every dollar spent.
- Employer control over your health plan investments by accessing your claims data and plan structure.
Convenience of a Single ID Card
- Only one card for employees for streamlined services and claims management.
Transform your health plan today. Say goodbye to overpriced, cookie-cutter solutions and hello to custom healthcare built for your and employees' budgets.
Start a no pressure conversation because your employees deserve better—and so does your business.
Telco Voluntary Health Benefits
Telco Benefits Alliance Voluntary Coverages We Offer
For most employees our supplemental health insurance can pay for their out-of-pocket expenses in full under their employer-provided medical benefits. This also allows your organization to lower your employee benefits costs while decreasing the out of pockets your employees pay.
Our plan works with a two ID card system and pays back providers directly.
There is no network with our plan and will pay regardless of which carrier your primary insurance provider is including those plans offered by NTCA.
Directors, pre and post 65 retirees all eligible.
This optional coverage can also complement your health insurance and help cover out-of-pocket expenses. Benefits include:
- Guaranteed Issue Accident Coverage starting with only 5 employees
- Portable at same group rate
- Two $100 wellness benefits per person – unlimited per family
- No claim forms or paperwork required for wellness claims reimbursement
- Two plan designs to choose from
- Organized Athletic Benefit rider included
- Composite rate – all employees pay same rate regardless of age
It covers direct, and indirect costs associated with 40 specified cancers. Benefits include:
- Guaranteed Issue Cancer plan starting with only 5 employees
- Specified Disease covering 20+ other conditions
- Two plan designs to choose from including initial diagnosis benefits
- Reoccurence benefit included
- $100 Wellness Benefit included per person on plan
- No claim forms for wellness
- Chemo, radiation, per day hospital confinement included
- Skin cancer benefit included
- Composite rate – all employees pay same rate regardless of age or tobacco use
- Directors eligible
It supplements your medical plan and helps cover your out-of-pocket expenses. This coverage pays a lump-sum benefit following the diagnosis of a critical illness, such as:
- Heart attack
- Stroke
- Bypass surgery
- Paralysis
- Type 1 diabetes
- Infectious disease including Covid
- And many other covered illnesses
Benefits include:
- Four plan designs to choose from
- Age lock at current age
- Portable at same group rate
- Guaranteed Issue starting with 5 employees
- Directors eligible
ID Theft coverage helps you recover from a stolen identity providing the following benefits:
- Free to all employees for 1 year
- $1 million identity theft expense and fraud reimbursement
- Full-service recovery
- 24/7/365 personal ID coach
- Monitoring
- Lost credit card cancellation and replacement
- Monthly all clear emails
- Directors and retirees eligible
These coverages protect your employees’ families, and their lifestyles should something happen to your employees. Here are a few key benefits:
- Life and Long Term Care
- Guaranteed Issue starting with 5 employees as long as not currently disabled
- Portable at same group rate and guaranteed renewable for life
- Waiver of premium if insured becomes totally disabled
- Family coverage
- Guaranteed issue (no medical underwriting)
- Spouses Guaranteed Issue
- 5 year buy up provisions
- Rates start at 13.28 per month (rates and benefits vary by state)
- Directors eligible
Watch this quick video about the importance of Long-Term Care coverage.
Benefits include:
- Retiree H.R.A.s
- ICHRAs
- Medicare Supplements and Medicare Advantage Plans
- Guaranteed Issue
- Individual ACA plans
- Director and Retiree Life
Benefits include:
- Disability wrap guaranteed issue starting with 5 employees
- 100% Disability income replacement
- Employer paid gross up and deduct Disability plans
Telco Benefits Alliance Voluntary Coverages We Offer
For most employees our supplemental health insurance can pay for their out-of-pocket expenses in full under their employer-provided medical benefits. This also allows your organization to lower your employee benefits costs while decreasing the out of pockets your employees pay.
Our plan works with a two ID card system and pays back providers directly.
There is no network with our plan and will pay regardless of which carrier your primary insurance provider is including those plans offered by NTCA.
Directors, pre and post 65 retirees all eligible.
This optional coverage can also complement your health insurance and help cover out-of-pocket expenses. Benefits include:
- Guaranteed Issue Accident Coverage starting with only 5 employees
- Portable at same group rate
- Two $100 wellness benefits per person – unlimited per family
- No claim forms or paperwork required for wellness claims reimbursement
- Two plan designs to choose from
- Organized Athletic Benefit rider included
- Composite rate – all employees pay same rate regardless of age
It covers direct, and indirect costs associated with 40 specified cancers. Benefits include:
- Guaranteed Issue Cancer plan starting with only 5 employees
- Specified Disease covering 20+ other conditions
- Two plan designs to choose from including initial diagnosis benefits
- Reoccurence benefit included
- $100 Wellness Benefit included per person on plan
- No claim forms for wellness
- Chemo, radiation, per day hospital confinement included
- Skin cancer benefit included
- Composite rate – all employees pay same rate regardless of age or tobacco use
- Directors eligible
It supplements your medical plan and helps cover your out-of-pocket expenses. This coverage pays a lump-sum benefit following the diagnosis of a critical illness, such as:
- Heart attack
- Stroke
- Bypass surgery
- Paralysis
- Type 1 diabetes
- Infectious disease including Covid
- And many other covered illnesses
Benefits include:
- Four plan designs to choose from
- Age lock at current age
- Portable at same group rate
- Guaranteed Issue starting with 5 employees
- Directors eligible
ID Theft coverage helps you recover from a stolen identity providing the following benefits:
- Free to all employees for 1 year
- $1 million identity theft expense and fraud reimbursement
- Full-service recovery
- 24/7/365 personal ID coach
- Monitoring
- Lost credit card cancellation and replacement
- Monthly all clear emails
- Directors and retirees eligible
These coverages protect your employees’ families, and their lifestyles should something happen to your employees. Here are a few key benefits:
- Life and Long Term Care
- Guaranteed Issue starting with 5 employees as long as not currently disabled
- Portable at same group rate and guaranteed renewable for life
- Waiver of premium if insured becomes totally disabled
- Family coverage
- Guaranteed issue (no medical underwriting)
- Spouses Guaranteed Issue
- 5 year buy up provisions
- Rates start at 13.28 per month (rates and benefits vary by state)
- Directors eligible
Benefits include:
- Retiree H.R.A.s
- ICHRAs
- Medicare Supplements and Medicare Advantage Plans
- Guaranteed Issue
- Individual ACA plans
- Director and Retiree Life
Benefits include:
- Disability wrap guaranteed issue starting with 5 employees
- 100% Disability income replacement
- Employer paid gross up and deduct Disability plans
Telco Benefits Alliance Voluntary Coverages We Offer
For most employees our supplemental health insurance can pay for their out-of-pocket expenses in full under their employer-provided medical benefits. This also allows your organization to lower your employee benefits costs while decreasing the out of pockets your employees pay.
Our plan works with a two ID card system and pays back providers directly.
There is no network with our plan and will pay regardless of which carrier your primary insurance provider is including those plans offered by NTCA.
Directors, pre and post 65 retirees all eligible.
This optional coverage can also complement your health insurance and help cover out-of-pocket expenses. Benefits include:
- Guaranteed Issue Accident Coverage starting with only 5 employees
- Portable at same group rate
- Two $100 wellness benefits per person – unlimited per family
- No claim forms or paperwork required for wellness claims reimbursement
- Two plan designs to choose from
- Organized Athletic Benefit rider included
- Composite rate – all employees pay same rate regardless of age
It covers direct, and indirect costs associated with 40 specified cancers. Benefits include:
- Guaranteed Issue Cancer plan starting with only 5 employees
- Specified Disease covering 20+ other conditions
- Two plan designs to choose from including initial diagnosis benefits
- Reoccurence benefit included
- $100 Wellness Benefit included per person on plan
- No claim forms for wellness
- Chemo, radiation, per day hospital confinement included
- Skin cancer benefit included
- Composite rate – all employees pay same rate regardless of age or tobacco use
- Directors eligible
It supplements your medical plan and helps cover your out-of-pocket expenses. This coverage pays a lump-sum benefit following the diagnosis of a critical illness, such as:
- Heart attack
- Stroke
- Bypass surgery
- Paralysis
- Type 1 diabetes
- Infectious disease including Covid
- And many other covered illnesses
Benefits include:
- Four plan designs to choose from
- Age lock at current age
- Portable at same group rate
- Guaranteed Issue starting with 5 employees
- Directors eligible
ID Theft coverage helps you recover from a stolen identity providing the following benefits:
- Free to all employees for 1 year
- $1 million identity theft expense and fraud reimbursement
- Full-service recovery
- 24/7/365 personal ID coach
- Monitoring
- Lost credit card cancellation and replacement
- Monthly all clear emails
- Directors and retirees eligible
These coverages protect your employees’ families, and their lifestyles should something happen to your employees. Here are a few key benefits:
- Life and Long Term Care
- Guaranteed Issue starting with 5 employees as long as not currently disabled
- Portable at same group rate and guaranteed renewable for life
- Waiver of premium if insured becomes totally disabled
- Family coverage
- Guaranteed issue (no medical underwriting)
- Spouses Guaranteed Issue
- 5 year buy up provisions
- Rates start at 13.28 per month (rates and benefits vary by state)
- Directors eligible
Watch this quick video about the importance of Long-Term Care coverage.
Benefits include:
- Retiree H.R.A.s
- ICHRAs
- Medicare Supplements and Medicare Advantage Plans
- Guaranteed Issue
- Individual ACA plans
- Director and Retiree Life
Benefits include:
- Disability wrap guaranteed issue starting with 5 employees
- 100% Disability income replacement
- Employer paid gross up and deduct Disability plans
Need More Insights on the Value We Offer?
FREE WEBINARS
Telco Benefits Alliance Program Overview
Join us to learn more about how other telecom companies have worked with Telco Benefits Alliance to round out their benefit packages. This webinar will be an introduction to Telco Benefits Alliance program features and includes topics, such as:
- Secondary Health Supplement and how this can create a 100% major medical plan with no deductible or out of pocket (can be paired with your current Group Health carrier)
- Guaranteed Issue Voluntary Long Term Care up to 300,000; Spouse, Directors Eligible
- Voluntary Group Accident, Cancer and CI Program with $300 in wellness benefits per person
- Executive Benefit Carve Out with disability benefits up to 100% income replacement (wraps over the top of your current LTD program)
- Pre-65 and Post 65 Retiree Benefits