Retaining and recruiting employees is a constant challenge and the right benefits solution can help. Unfortunately, the cost of employee benefits with large businesses for talent is rising, making it even more challenging for small businesses to compete.
Ternian offers cost-effective limited benefit solutions for commonly occurring medical expenses. Our solutions are developed with your client’s budget in mind while helping employees to offset out-of-pocket medical expenses.
Our robust benefits and services
- Limited benefit medical plans
- Value-added services*
We offer a range of insurance products – Inpatient Medical, Outpatient Accident, Critical Illness, AD&D, Dental, Vision and Life insurance benefits. Each of these can be adjusted in accordance with your client’s budget and benefit strategy.
Our solutions provide employees with first dollar benefits to help offset the cost of commonly occurring covered medical expenses. Additional benefits are available for accidents or critical illnesses.
Service and discount programs are also available including PPO medical network, pharmacy network, prescription discount program, telehealth program and employee assistance program. We also have providers located in Mexico to better serve your border state customers.
Nimble & responsive
Our technology platforms and service capabilities offer ease of administration for employers and simplify the transfer of business for brokers. When regulations change, we change with them.
THE INSURANCE DESCRIBED ON THIS SITE PROVIDES LIMITED BENEFITS. LIMITED BENEFITS PLANS ARE INSURANCE PRODUCTS WITH REDUCED BENEFITS AND ARE NOT INTENDED TO BE AN ALTERNATIVE TO OR INTEGRATED WITH COMPREHENSIVE COVERAGE. FURTHER, THIS INSURANCE DOES NOT COORDINATE WITH ANY OTHER INSURANCE PLAN. IT DOES NOT PROVIDE MAJOR MEDICAL OR COMPREHENSIVE MEDICAL COVERAGE AND IS NOT DESIGNED TO REPLACE MAJOR MEDICAL INSURANCE. THIS INSURANCE IS NOT MINIMUM ESSENTIAL BENEFITS AS SET FORTH UNDER THE PATIENT PROTECTION AND AFFORDABLE CARE ACT. IF YOU DON'T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE ADDITIONAL PAYMENT WITH YOUR TAXES.
Insurance coverage is underwritten by AXIS Insurance Company. Coverage is subject to exclusions and limitations, and may not be available in all US states and jurisdictions. Product availability and plan design features, including eligibility requirements,descriptions of benefits, exclusions or limitations may vary depending on local country or US state laws. Full terms and conditions of coverage, including effective dates of coverage, benefits, limitations, and exclusions, are set forth in the policy.
* THE SERVICES DESCRIBED ARE NOT INSURANCE AND ARE NOT PROVIDED BY AXIS INSURANCE COMPANY.