Ancillary Benefits (Dental, Vision & Life)
Empowering Your Workforce with Comprehensive Ancillary Benefits At Trupiano
Protect Your Team’s Health—Slash Your Costs
With 25+ years of experience, we design medical, dental, vision, and life plans that deliver top-tier coverage at significantly lower rates than the market.
The Benefits of Our Services:
We pride ourselves on keeping our clients’ benefit renewals significantly below the National average since 2000. As independent fiduciaries, we navigate the complex and evolving benefits landscape to simplify decision-making and ensure affordable healthcare for employers and their employees alike. By partnering with renowned carriers and exploring unconventional options, we customize solutions that meet specific business needs, driving both cost savings and employee satisfaction.
Why Our Benefits Drive Results
- Plans your employees will use
- Independent fiduciary advice
- Creative carrier partnerships
- Ongoing cost controls
Health Plan Funding Options — Simplified Comparison
Plan Comparison
- Fully Insured
- Level Funded
- Self-Funded
- Captive
How It Works
Employer pays a fixed monthly premium to an insurance carrier.Pros
- Predictable costs
- Easy to manage
Cons
- No transparency on claims
- Carrier keeps unused funds
How It Works
Fixed monthly payment; portion goes to claims. Unused claims may be refunded.
Pros
- Predictable budgeting
- Potential year-end refund
- Some claims transparency
Cons
- Not suitable for all industries or very small groups
How It Works
Employer pays claims directly; buys stop-loss insurance to cap large claims.
Pros
- Greater control and savings
- Full data access
Cons
- Variable monthly cost
- Requires financial and administrative readiness
How It Works
Multiple employers pool risk; share claims and reinsurance costs.
Pros
- Risk-sharing
- Group purchasing power
- Better rates than standalone self-fun
Cons
- Requires buy-in and underwriting
- Shared governance
How an HRA Fits In
Health Reimbursement Arrangement (HRA): An employer-funded account used to reimburse employees tax-free for qualified medical expenses such as deductibles, copays, and coinsurance.
· Why Pair It with Any Plan?
· Fully Insured: Lower the premium by choosing a high-deductible plan, then use HRA to help employees cover the gap.
· Level Funded: Add HRA to soften out-of-pocket costs and improve employee satisfaction.
· Self-Funded: Use HRA to strategically share cost responsibility and manage claims exposure.
· Captive: Boost benefit design while keeping contributions efficient and employee-friendly.
FAQs Related to Medical Benefits:
We carefully evaluate carriers based on their network coverage, service quality, and cost-effectiveness to ensure optimal benefit offerings tailored to your workforce.
Yes, our strategic cost management strategies aim to control expenses while enhancing the value of your benefits package.
In addition to Medical insurance, we provide comprehensive Dental, Vision, and Life insurance options to complete your benefits package.
As independent advisors, we prioritize your best interests, offering unbiased recommendations and transparent guidance in benefit decision-making.
Our proactive approach and commitment to innovation ensure that we deliver cutting-edge solutions that address current and future benefit challenges effectively.
—because when you’re on the rise, coverage gaps shouldn’t hold you back.
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Projects Completed
Industries We Serve
- Heavy Civil Construction
- Heavy Civil Marine
- Trenching
- Construction Materials
- Construction Hauling & Rigging
- Construction Equipment
- General Contracting
- Mining, Cement & Aggregate
- Construction Recycling
- Oil & Gas
- Trades (Plumbing, HVAC, Electrical, Welding)
- Landscaping Design
- Restaurant & Hospitality
- Private Schools
- Technology & Software
- Legal & Accounting
- Storage Units