Small Business Benefits

Comprehensive Major Medical Plan Designs

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Meeting Employers’ Needs and Budget

Our level-funding solutions offer employers the predictability of set monthly payments. Our affordable self-funded plan designs provide:
  • Cost control
  • Flexibility
  • Surplus options
With stop-loss insurance coverage from Trustmark Life Insurance Company, our plan designs minimize risk and protect our clients’ businesses.

Trustmark Healthy ChoicesSM Plan Designs

Our affordable self-funded, reference-based pricing plan designs:
  • offer freedom of provider choice1 for most services
  • include a streamlined process for resolving balance bills
  • features Trusted Member Care specialists who deliver a high level of personalized support to help members make the most of their benefit
  • control plan costs
For most covered healthcare services1, providers are reimbursed a Reasonable Fee, calculated as a multiple of the Medicare reimbursement rate and/or provider costs.

CDHP Designs: Pair a consumer-directed health plan design with a health savings account (HSA) for tax advantages and enable members to become more educated and active healthcare consumers.

Learn more.

*Not available with CDHP designs
 
Media for Trustmark Healthy Choices<sup>SM</sup> Plan Designs

Trustmark HealthyEdgeSM and Trustmark Healthy Incentives® Plan Designs

With these plan designs, employers can select a PPO or consumer-directed health plan design. Either way, employers gain: 
  • the flexibility to tailor self-funded plan designs to specific needs 
  • the opportunity to receive a refund if a group's claims are lower than previously expected
  • the ability to help empower employees to become better healthcare consumers
Stop-loss insurance coverage is provided by Trustmark Life Insurance Company, allowing employers to offer familiar health benefits while protecting their business against large covered claims.
Media for Trustmark HealthyEdge<sup>SM</sup> and Trustmark Healthy Incentives<sup>&reg;</sup> Plan Designs

Health Savings Accounts (HSAs)

Pair a health savings account (HSA) with one of our consumer-directed health plan (CDHP) designs, also known as a high deductible health plan (HDHP) design, for tax advantages for employers and employees.
  • An HSA is a portable, personal bank account owned by an individual covered by a CDHP.
  • It is used to pay for qualified medical expenses not reimbursed under the CDHP.
  • Anyone can contribute to an HSA.
  • HSA contributions are tax deductible, and unused balances can be carried forward and earn interest from year to year.
The bank that administers an HSA is selected by the employer or its employees.   
Media for Health Savings Accounts (HSAs)

Network Availability

We offer national PPO networks, such as Aetna Signature Administrators® (ASA) and Cigna® PPO Network1, and regional networks.

View all Network Availability 

View only Aetna Signature Administrators 

View only Cigna® PPO Network 
 
Group of Physician and Provider. Look up regional and nationwide networks such as Cigna and Aetna

Product Availability

We offer a suite of self-funded health benefit plan designs nationwide for small to mid-size businesses with five or more employees. We can serve multiple locations and can accommodate up to four plans for each employer.

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Group of employers - self-funded health benefit plans availability Small Business Benefits

By the numbers

Statistics show the importance of health coverage in retention, what employees want and how we stack up against the competition. 

73% of workers report that health insurance is one of the top 3 most important benefits when considering whether to stay in or choose a new job.

- EBRI Issue Brief, No. 442. Paul Fronstin. Workers Rank Health Care as the Most Critical Issue in the United States. Sept. 24, 2018.

73% of workers report that health insurance is one of the top 3 most important benefits when considering whether to stay in or choose a new job.

- EBRI Issue Brief, No. 442. Paul Fronstin. Workers Rank Health Care as the Most Critical Issue in the United States. Sept. 24, 2018.

1Except for organ transplants and specialty drugs, when benefits are available and services are performed as outlined in the plan document.
 
2Cigna PPO Network services are administered by Cigna Health and Life Insurance Company (CHLIC), and not by Cigna Corporation. Healthcare providers are independent practitioners solely responsible for the care delivered to their patients. They are not agents of CHLIC. Cigna® is a trademark of Cigna Intellectual Property, Inc.

Trustmark HealthyEdgeSM, Trustmark Healthy Incentives®, Trustmark Healthy ChoicesSM are trademarks of Trustmark Insurance Company. Cigna® and all other trademarks are the property of their respective owners, which are not affiliates of Star Marketing and Administration, Inc., and Trustmark Life Insurance Company.
 
Trustmark® and Trustmark Small Business Benefits® are trademarks of Trustmark Insurance Company. All other trademarks are the property of their respective owners, which are not affiliates of Star Marketing and Administration, Inc., and Trustmark Life Insurance Company.

Plan design availability and/or coverage may vary by state. Plans are administered by Star Marketing and Administration, Inc., and stop-loss insurance and ancillary coverage are provided by Trustmark Life Insurance Company.