Solutions

Medical coverage that fits your needs

Prevailing wage contractors need medical coverage flexible enough to handle multiple job sites, turnover, seasonality and compliance at the same time. A provider unfamiliar with this market overlooks those issues, and contractors pay for it in cost, time and compliance risk.

We have designed and administered major medical plans for prevailing wage contractors for four decades. Our plans are typically held in multiple employer trust arrangements, so your company gets the strength of a larger group of contractors, which minimizes risk and liability, particularly for smaller companies.

Built for how prevailing wage work runs

Multiple job sites, several states
Rapid employee turnover
Multiple employee classes
Seasonality and job interruptions
Prevailing wage compliance
Accounting and reporting burden

Three ways to cover your workforce

Fully insured

Major medical

Customized plans for non-union contractors, underwritten by some of the nation’s top carriers.

Multiple employee classes Multi-state job sites Trust-backed group strength
Self-funded

Self-funded administration

Third party administration built on better carrier access and advanced automation.

Claims and eligibility handled in house Reporting through the portal We help you test whether self-funding fits
Gap coverage

Supplemental medical

Limited but affordable coverage that stands alone or fills what a high-deductible plan leaves behind.

An option when major medical is not affordable Covers the deductible gap Dependents and part-time workers

Supplemental medical does not meet the Affordable Care Act requirement for minimum essential coverage.