The Tru Solution to All Employee Benefits

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Tired of the continually rising costs of health insurance? Looking for a better way to reduce your benefit plan costs without losing quality coverage for yourself and your employees? United Advantage Agency, in partnership with Nationwide®, brings you a program that offers significant savings and plan benefit options you won’t find anywhere else.

Save on plan costs from the start. Experience lower than industry trend renewals. Enjoy savings that not only benefit you but also benefit your employees and their families. Gain time and put freedom back in your busy schedule. When you take advantage of the unique health benefit programs available through UAA, you won’t have to keep searching for lower costs each year or struggle with finding new doctors.

Here’s how we do it:

Tru Conventional Plan

PPO Networks with Integrated Pharmaceutical Savings from Welldyne

United Advantage Agency offers several PPO networks to choose from such as First Health, Cofinity, and Mississippi Physicians Network. This allows there to be a network of hospitals as well as healthcare providers in your area to fit your needs. Along with your chosen PPO plan, you will enjoy additional cost savings through our Pharmacy Benefit Manager (PBM), Welldyne.

As one of the top PBMs in the nation, Welldyne negotiates the cost of prescription drugs with pharmacies all over the country, offering you and your employees discounts on prescription medications and allowing for additional cost savings to your health benefits plan. This lowers plan expenses, which opens up the opportunity for decreased rates when you begin your new plan, as well as better renewal rates because of reduced plan utilization during the policy period.

Tru Freedom

Save Even More by Switching to Reference Based Reimbursement

Reference-based reimbursement (RBR) plans are the way of the future and a throw-back to the past. Our RBR health benefit plans work exclusively with Advanced Medical Pricing Solutions (AMPS). AMPS combats the rising cost of healthcare by paying hospitals what is fair and reasonable for their services, rather than you or your employees getting stuck with unreasonably high medical bills.

Reference Based Reimbursement is the term to define the way medical bills were paid before 1991 when PPO networks were introduced into the market place. RBR pays medical claims on the usual, customer and reasonable pricing of medical services in each independent area of the United States. Why pay a network $15 or $20 dollars a month for pricing a claim above RBR that you have to pay? That’s right – your employees are paying monthly, as part of their benefit plan, money to a PPO whether the employee has medical bills or not.

PPOs were introduced to make PPOs money – not to save you any money while paying for medical services.

By utilizing RBR through AMPS, your plan is now able to generate significant discounts, over and above what you would experience with a PPO. And because AMPS researches industry standards and sets payment for your medical services, you’re able to feel confident that you’re receiving quality care at a fair price.

What makes RBR plans so desirable beyond their savings in employer and employee costs is that you aren’t required to go to a specific doctor. Instead, you have the freedom to use the hospital or doctor of your choice.

So, how does it work?

    • Reference-based reimbursement (RBR) plans are the way of the future and a throw-back to the past. Our RBR health benefit plans work exclusively with Advanced Medical Pricing Solutions (AMPS). AMPS combats the rising cost of healthcare by paying hospitals what is fair and reasonable for their services, rather than you or your employees getting stuck with unreasonably high medical bills.
    • Reference Based Reimbursement is the term to define the way medical bills were paid before 1991 when PPO networks were introduced into the market place. RBR pays medical claims on the usual, customer and reasonable pricing of medical services in each independent area of the United States. Why pay a network $15 or $20 dollars a month for pricing a claim above RBR that you have to pay? That’s right – your employees are paying monthly, as part of their benefit plan, money to a PPO whether the employee has medical bills or not.
    • PPOs were introduced to make PPOs money – not to save you any money while paying for medical services.
    • By utilizing RBR through AMPS, your plan is now able to generate significant discounts, over and above what you would experience with a PPO. And because AMPS researches industry standards and sets payment for your medical services, you’re able to feel confident that you’re receiving quality care at a fair price.
    • What makes RBR plans so desirable beyond their savings in employer and employee costs is that you aren’t required to go to a specific doctor. Instead, you have the freedom to use the hospital or doctor of your choice.

So, how does it work?

Tru Pharmacy Savings

Never Pay More Than You Should for Prescription Drugs Again with Rx Valet

The prescription drug coverage provider for Reference-Based Reimbursement plans, Rx Valet, offers large discounts on prescription drugs allowing you and your employees to financially benefit from the savings.

In addition to reduced prescription drug costs, by utilizing Rx Valet, many “out-of-pocket” expenses for medications are less than the employee’s copay. For prescriptions that are extremely expensive, Rx Valet has a pharmaceutical assistance program where employees receive reduced cost for these expensive medications

Rx Valet delivers immediate savings your employees will appreciate, and it drastically reduces the utilization of your health benefits plan, saving you even more down the road.

Tru Convenience

Offer Your Employees the Ability to Save on Copays through 1800MD

When you’re sick, it requires time off from work, money, and often lengthy wait times to get in to see your doctor. On top of the time you spend out of work, you’re expected to pay a copay for your medical visit.

1800MD is a telemedicine service that allows you to speak with a doctor over the phone, receive a diagnosis, and obtain your prescription without paying a copay. 1800MD is fully integrated with Rx Valet, so you receive additional savings on your prescription needs.

1800MD is beneficial because:

  • Telemedicine service is FREE. No copay required.
  • You only pay for your prescription, which thanks to Rx Valet is often less than your copay.
  • 1800MD can be utilized with PPO or Reference-Based Reimbursement plans.
PCG - Cutting edge technology

Tru Partnership

Manage Your Health Benefits Plan in Real-Time with ABMS

Advanced Benefit Management Systems (ABMS) is your plan’s Third-Party Administrator, or TPA. ABMS offers you 24/7 real-time data of your claims data, claims history, and your claims fund to see how your plan is being utilized. ABMS understands that you succeed in saving your company capital when your employees use their plan effectively. That’s why ABMS makes a point to help your employees understand their co-pays, deductibles, out-of-pocket costs, and how to maximize the value of their health benefit plan.

It’s important that you have a TPA with considerable expertise and a proven track record for:

  • Maintaining eligibility
  • Providing customer service
  • Resolving and paying claims
  • Preparing claim reports
  • Negotiating, obtaining, and renewing stop-loss policy coverage
  • Conducting enrollment information meetings
  • Arranging managed care services, such as access to preferred provider networks, coverage for alternative treatment programs including acupuncture and chiropractic services, prescription drug management that offers cost-saving opportunities, and employee utilization reviews to ensure your savings are maximized.

As your TPA, ABMS provide all this expertise and more for you.

United Advantage Agency, like no other employee benefits consultant firm, provides you and your small business affordable, quality benefits coverage, comprehensive plan management and significant plan savings which puts YOU in control of your company’s employee benefit costs.