Small Business Benefits

Comprehensive Major Medical Plan Designs

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:
  • control plan costs,
  • offer freedom of provider choice for most services1, and
  • include premier reference-based pricing services from our vendor partner, AMPS.
For most covered healthcare services1, providers are reimbursed a Reasonable Fee, calculated as a multiple of the Medicare reimbursement rate and/or provider costs.

NEW 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.
 
NEW Hybrid Option*: Select an ideal, cost-saving combination of a PPO network for practitioner services and reference-based pricing with our new Hybrid Option!
Learn more.

*Not available with CDHP 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.

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.   

Network Availability

We offer national PPO networks, such as Aetna Signature Administrators® (ASA) PPO Network and Cigna® PPO Network2, and regional networks.

View all Network Availability 

View only Aetna Signature Administrators

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. Additionally, we offer simplified underwriting for qualified groups. We can serve multiple locations and can accommodate up to four plans for each employer.

View availability

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.