Carriers and Vendors
Medical
What is Regence?
STD
What is Short Term Disability?
A tax-advantaged account for individuals with a High Deductible Health Plan to save for medical expenses.
What is a Health Savings Account (HSA)?
A plan where the employer is responsible for paying employee medical claims.
What is Self-Funded?
Dental
What is Delta Dental?
AD&D
What is Accidental Death and Dismemberment?
An employer sponsored account that lets employees set aside pre-tax funds for qualified medical or dependent care expenses.
What is a Flexible Spending Account (FSA)?
Protects against the total cost of all employees' claims over a set period of time. It reimburses the employer after the contract period ends for aggregate claims.
What is Aggregate Stop Loss?
Life and Disability
What is The Standard?
ACA
What is the Affordable Care Act?
Big-D's HSA Family Employer Contribution for 2025
What is $1320?
Covers the cost of a single employee's expensive claim. It reimburses the employer when an individual's claims exceed a specified deductible.
What is Specific Stop Loss
Mental Health
What is Tava Health?
COBRA
What is the Consolidated Omnibus Budget Reconciliation Act?
Max amount someone at Big-D can contribute toward their FSA
What is $1200?
The process of assessing and evaluating the risk associated with a self-funded insurance plan and therefore requiring a thorough evaluation of their financial stability to manage potential large claims costs; this typically involves analyzing factors like employee demographics, historical claims data, and the employer's financial health to determine the appropriate level of stop-loss insurance needed to mitigate risk.
What is Underwriting?
Pet Insurance
What is ASPCA?
ASPCA
What is American Society for the Prevention of Cruelty to Animals
HSA Contribution Limit for 2025 (Individual and Family)
What is $4,300 and $8,550?
What are cost savings, enhanced flexibility in plan design, avoiding state mandates, ability to construct special networks, customized wellness initiatives, etc.