Employer
Health Care
Innovation

educate | innovate | deliver

Providing top quality health care for employees at reasonable prices is harder than ever. Employers seeking the talent they need to operate their businesses need the best benefits options possible to attract and retain a competitive workforce.

As the trusted advisor to your customers, you need the most creative and innovative partner in your corner. Someone who wrote the book on how to solve your customers’ most challenging health care problems. Someone who knows all the leaders in the industry, and can bring the right solutions to the table with you.

Independent Innovation

Your Innovation Partner in Employer Benefit Plans

We are a boutique marketing organization specializing in the creation and distribution of unique employer healthcare solutions.  Our company mission is to enable benefits brokers and consultants to deliver stable, cost-effective solutions to their employer clients.  The InnoBenefits programs focus on ease of administration to simplify a complex world of group health and wellness programs.

The programs developed by InnoBenefits, in conjunction with our carrier and TPA partners, combine compliant health insurance plans with innovative administrative capabilities.  Brokers and consultants work with InnoBenefits to gain access to our exclusive contracts to achieve a competitive advantage with pricing, underwriting, and special plan features.

Self-Funded Programs

Self-funded programs can provide a unique option as employers look for plan designs to maximize value while managing costs. All self-funded programs are integrated with Stop Loss insurance for the client’s protection.

Fully Insured Programs

We offer fully insured programs in a variety of formats, including employer funded, with very favorable participation requirements.

Seamless Solutions for Benefits

InnoBenefits provides centralized administration that can combine various self-funded and fully insured products into one seamless solution.

Complete Services Offerings

As a full-service IMO, InnoBenefits can also connect you with additional services through our partners, including ACA Tracking & Reporting, Call Center Support, Face-to-Face Enrollment services, and multiple Benefits Administration platform options.

One Size Fits One

We Create a Strategy That Works For YOU

InnoBenefits was an early adopter of the ACA Minimum Essential Coverage (MEC) and Minimum Value Plans (MVP) and is a nationally recognized expert in these types of employer health plans.  Our program MEC/MVP is flexible and unique with special capability to combine various self-funded and fully-insured products into one administrative platform.

We Value Relationships

Brokers, We Are by Your Side

Broker compensation is never reduced when doing business with InnoBenefits. Our role is to use our scale and expertise to bring proprietary products and turn-key programs for underwriting, communications, and additional support to the broker and consultant community.

Self-Funded Programs

Self-funded programs can provide a unique option as employers look for plan designs to maximize value while managing costs.

All self-funded programs are integrated with Stop Loss insurance for the client’s protection.

Minimum Essential Coverage (MEC)

  • 74 preventative tests & screening as per CMS guidelines
  • With and without stop loss protection
  • Standalone or bundled options

Minimum Value Plans (MVP)

  • Guaranteed issue
  • 60% actuarial certification

Supplemental GAP Plans

  • Level funded with stop loss protection
  • Requires 50 employer funded participants
  • HSA and non-HSA compatible

Level Funded Prescription Drug Plans

  • Unused claims dollars go back to the employer
  • Generic only or brand / generic plans

Small Group Level Funded Medical Plans

  • Top compensation
  • 10 enrolled lives and up
  • PPO (Cigna) or Referenced Based Pricing (RBP) networks

Large Group Administrative Services Only (ASO)

  • Multiple stop loss underwriters
  • Choice of networks
  • No case setup fees

Limited Medical Indemnity

  • Standalone “mini-med” plan
  • Low participation requirements
  • Inpatient and outpatient benefits
  • No pre-existing conditions

Supplemental GAP

  • HSA compatible
  • Voluntary or employer paid

Vision

  • No minimum participation
  • No waiting periods

Critical Illness

  • Sold standalone or bundled
  • Guaranteed issue

Hospital Indemnity

  • Available with or without a related medical plan
  • Guaranteed issue with no pre-existing conditions
  • HSA compatible

Dental

  • No minimum participation
  • No waiting periods on initial open enrollment

Accident

  • Expense incurred up to policy limit

Prescription Drug Plans

  • Sold standalone or bundled
  • Guaranteed issue
  • Mail order available

Fully Insured Programs

We offer fully insured programs in a variety of formats, including employer funded, with very favorable participation requirements.

A Seamless Solution for Your Benefits Needs

InnoBenefits provides centralized administration that can combine various self-funded and fully insured products into one seamless solution.

ACA Tracking & Reporting

Call Center Support

Face-to-Face Enrollment

Three Benefits Administration Platform Options

All Your Service Needs in One Place

As a full-service IMO, InnoBenefits can also connect you with additional services through our partners.

Contact

Get In Touch

Based in suburban Philadelphia, InnoBenefits designs and develops group health and supplemental programs that are distributed through brokers and consultants.

It’s easy to do business with InnoBenefits. Contact us today to request your proposal.