Benefits & Services Medical Benefits

Comprehensive Major Medical Plans

Comprehensive Major Medical and Consumer Centered Preferred Provider Network (PPN) Plans with a number of deductible, copayment, benefit percentage, and out of pocket options.

Consumer Driven Healthcare Plans

Defined benefit plans versus traditional plans focus on the development of a healthier employee population, which creates a healthier and more productive workforce. This program incorporates the following:

  • Section 125 Flexible Spending Account (FSA)
    • Grace Period - 2 month and fifteen day extension
    • $500 Unreimbursed Healthcare Maximum Carry Over
    • Premium Only Plan
    • Prohibition of FSA Stand Alone Plans
    • Qualifying Event $500 Unreimbursed Healthcare Maximum Carry Over
  • Health Reimbursement Arrangement (HRA)
    • Prohibition of HRA Stand Alone Plans
  • Retiree Reimbursement Arrangement (RRA)
  • Health Savings Account (HSA)/High Deductible Plans
    • Prohibition of HRA Stand Alone Plans
  • Consumer Centered Pool Plan Options

Telehealth Services

Telehealth medical consultation services is expanding in the United States, servicing approximately 3 million consumers. Access to care 24/7/365 on consumer demand via phone and online video consultations is delivered to the Pool membership by the value added addition of the telehealth benefit.

The telehealth doctors are U.S. board certified providers in the field of Internal Medicine, Family Practice, Emergency Medicine, and Pediatrics. They average 15 years practice experience and are licensed in the state they provide services.

Telehealth services do not replace your primary care physician, but can be used when you need immediate physician care for non-emergent medical issues. The telehealth level of care is an affordable, more convenient alternative to urgent care and ER visits.

The covered individual will be responsible for completing a health history overview prior to receiving medical telehealth services. The doctors do not write orders for laboratory services, but will prescribe appropriate medications except for mental illness and narcotic medications. Consultations can be conducted in English or Spanish and are available to children and adults who are covered individuals under IEBP’s benefit plan.

Alternate Medical Plans

IEBP requires 100% employee participation for healthcare benefits except for employees who have health coverage through a spouse, the military, or through a retirement plan. This plan is for the employees only and not for their dependents. IEBP offers four Alternate Plan options. The Alternate Plan must coordinate with the employee’s core benefit plan. Council is required to meet the 100% participation requirement.

For more information about how TML MultiState IEBP can help you manage your benefit costs, please Contact Us today!