Healthcare Solutions
Complete Health Coverage for Your Workforce
Strategic healthcare solutions that give employers cost control while providing employees with comprehensive coverage options. From innovative ICHRA plans to gap insurance protection.
Average Employer Savings
Employee Choice
Plan Options Available
Coverage Gaps
Total Healthcare Solutions
Modern approaches to employee healthcare that balance employer cost control with employee flexibility and comprehensive coverage.
Total ICHRA Health
Our Total ICHRA Health primary care solution offers a defined contribution approach that gives employers cost control while empowering employees to choose their own health plans.
- ✓Predictable employer costs
- ✓Employee plan choice
- ✓Tax-free reimbursements
- ✓No participation minimums
Total Gap Insurance
Bridge the gaps in traditional health insurance and protect employees from unexpected out-of-pocket expenses.
- ✓Covers deductibles
- ✓Coinsurance protection
- ✓Direct-to-employee payments
- ✓Affordable premiums
Total 360 PHP
Comprehensive primary healthcare program combining preventative care, direct primary care access, and wellness programs.
- ✓Unlimited primary care visits
- ✓Same-day appointments
- ✓Preventative screenings
- ✓Tax advantages for employers
The Healthcare Cost Challenge
Healthcare costs continue to rise, putting pressure on employers and employees alike. Traditional group plans often mean unpredictable renewal increases and limited employee choice.
Our preventative programs are not a primary healthcare solution. They sit on top of employees' existing primary healthcare coverage, providing additional support that addresses these challenges head-on.
- ✓Cost Predictability
Know exactly what you'll spend on healthcare benefits each year
- ✓Employee Satisfaction
Give employees the power to choose plans that fit their needs
- ✓Comprehensive Coverage
Eliminate gaps that leave employees exposed to financial risk
- ✓Tax Efficiency
Maximize tax benefits for both employer and employees
Traditional vs. Modern Approach
Traditional Group Plans
- ✗Unpredictable annual renewals
- ✗Limited plan options
- ✗High deductibles with no protection
- ✗One-size-fits-all approach
- ✗Stop-loss overruns can lead to cash flow shocks
Lifesurance Approach
- ✓Defined contribution = cost control
- ✓50+ plan options for employees
- ✓GAP coverage for deductibles
- ✓Personalized to each employee
How We Work With You
Assess
Review current healthcare spend, claims data, and employee needs
Design
Create a customized healthcare strategy aligned with your budget
Implement
Launch with employee education and enrollment support
Support
Ongoing administration, compliance, and employee assistance
Transform Your Healthcare Benefits
Discover how our primary healthcare solutions can reduce costs while improving employee satisfaction and coverage.
Get a Healthcare Assessment