Enhanced employee benefits offering for your business AND your employees.
Get the Telco Benefits Alliance insurance program today.
- $0 out-of-pocket health expenses for employees
- Cost savings for employers
- Greater range of benefits
- No health questions asked
- Same benefits carrier
Sounds too good to be true? These are just a few benefits you get when you partner with us.
Get better benefits!
Quick Snapshot of Our Plan
With over 20 years of experience in providing employee benefits to telephone companies, we’ve custom built the Telco Benefits Alliance insurance program for the telecommunication industry that offers a range of coverages.
Everyone Wins!
More than 50 rural telephone companies have already experienced the power of Telco Benefits Alliance, Powered by Hilb Group. You too can enjoy the same values we provide to businesses and their employees.
The Value Your Employees Receive
- $0 out-of-pocket expenses (deductible and co-pays) for health benefits
- Portable coverages (not health supplemental insurance)
- Dependents can be added to any coverages
- No health questions asked to qualify
- $100/person/year/policy reimbursement for wellness related procedures in Accident and Cancer coverages
- Affordable premiums
- Simplified claims filing
The Value Your Business Receives
- Reduced employee benefits plan costs
- No need to change benefits carrier with supplemental health plans – our plans are 100% compatible with all major medical plans, including NTCA health plans
- Coverages are available with as few as 5 employees
- Better talent acquisition and retention
FREE WEBINARS
Telco Benefits Alliance Program Overview
Join us to learn more about how other telecom companies have worked with Telco Benefits Alliance to round out their benefit packages. This webinar will be an introduction to Telco Benefits Alliance program features and includes topics, such as:
- Secondary Health Supplement and how this can create a 100% major medical plan with no deductible or out of pocket (can be paired with your current Group Health carrier)
- Guaranteed Issue Voluntary Long Term Care up to 300,000; Spouse, Directors Eligible
- Voluntary Group Accident, Cancer and CI Program with $300 in wellness benefits per person
- Executive Benefit Carve Out with disability benefits up to 100% income replacement (wraps over the top of your current LTD program)
- Pre-65 and Post 65 Retiree Benefits
We don’t have any webinars scheduled at the moment. But check back later because we periodically offer new sessions.
What Our Clients Say...
Improve employee benefits for your business and employees.
Start a no-pressure conversation today with our team leader.
Chad Huff
chuff@hilbgroup.com
336.774.3448
Telco Benefits Alliance Voluntary Coverages We Offer
For most employees our supplemental health insurance can pay for their out-of-pocket expenses in full under their employer-provided medical benefits. This also allows your organization to lower your employee benefits costs while decreasing the out of pockets your employees pay.
Our plan works with a two ID card system and pays back providers directly.
There is no network with our plan and will pay regardless of which carrier your primary insurance provider is including those plans offered by NTCA.
Directors, pre and post 65 retirees all eligible.
This optional coverage can also complement your health insurance and help cover out-of-pocket expenses. Benefits include:
- Guaranteed Issue Accident Coverage starting with only 5 employees
- Portable at same group rate
- Two $100 wellness benefits per person – unlimited per family
- No claim forms or paperwork required for wellness claims reimbursement
- Two plan designs to choose from
- Organized Athletic Benefit rider included
- Composite rate – all employees pay same rate regardless of age
It covers direct, and indirect costs associated with 40 specified cancers. Benefits include:
- Guaranteed Issue Cancer plan starting with only 5 employees
- Specified Disease covering 20+ other conditions
- Two plan designs to choose from including initial diagnosis benefits
- Reoccurence benefit included
- $100 Wellness Benefit included per person on plan
- No claim forms for wellness
- Chemo, radiation, per day hospital confinement included
- Skin cancer benefit included
- Composite rate – all employees pay same rate regardless of age or tobacco use
- Directors eligible
It supplements your medical plan and helps cover your out-of-pocket expenses. This coverage pays a lump-sum benefit following the diagnosis of a critical illness, such as:
- Heart attack
- Stroke
- Bypass surgery
- Paralysis
- Type 1 diabetes
- Infectious disease including Covid
- And many other covered illnesses
Benefits include:
- Four plan designs to choose from
- Age lock at current age
- Portable at same group rate
- Guaranteed Issue starting with 5 employees
- Directors eligible
ID Theft coverage helps you recover from a stolen identity providing the following benefits:
- Free to all employees for 1 year
- $1 million identity theft expense and fraud reimbursement
- Full-service recovery
- 24/7/365 personal ID coach
- Monitoring
- Lost credit card cancellation and replacement
- Monthly all clear emails
- Directors and retirees eligible
These coverages protect your employees’ families, and their lifestyles should something happen to your employees. Here are a few key benefits:
- Life and Long Term Care
- Guaranteed Issue starting with 5 employees as long as not currently disabled
- Portable at same group rate and guaranteed renewable for life
- Waiver of premium if insured becomes totally disabled
- Family coverage
- Guaranteed issue (no medical underwriting)
- Spouses Guaranteed Issue
- 5 year buy up provisions
- Rates start at 13.28 per month (rates and benefits vary by state)
- Directors eligible
Benefits include:
- Retiree H.R.A.s
- ICHRAs
- Medicare Supplements and Medicare Advantage Plans
- Guaranteed Issue
- Individual ACA plans
- Director and Retiree Life
Benefits include:
- Disability wrap guaranteed issue starting with 5 employees
- 100% Disability income replacement
- Employer paid gross up and deduct Disability plans
Telco Benefits Alliance Voluntary Coverages We Offer
For most employees our supplemental health insurance can pay for their out-of-pocket expenses in full under their employer-provided medical benefits. This also allows your organization to lower your employee benefits costs while decreasing the out of pockets your employees pay.
Our plan works with a two ID card system and pays back providers directly.
There is no network with our plan and will pay regardless of which carrier your primary insurance provider is including those plans offered by NTCA.
Directors, pre and post 65 retirees all eligible.
This optional coverage can also complement your health insurance and help cover out-of-pocket expenses. Benefits include:
- Guaranteed Issue Accident Coverage starting with only 5 employees
- Portable at same group rate
- Two $100 wellness benefits per person – unlimited per family
- No claim forms or paperwork required for wellness claims reimbursement
- Two plan designs to choose from
- Organized Athletic Benefit rider included
- Composite rate – all employees pay same rate regardless of age
It covers direct, and indirect costs associated with 40 specified cancers. Benefits include:
- Guaranteed Issue Cancer plan starting with only 5 employees
- Specified Disease covering 20+ other conditions
- Two plan designs to choose from including initial diagnosis benefits
- Reoccurence benefit included
- $100 Wellness Benefit included per person on plan
- No claim forms for wellness
- Chemo, radiation, per day hospital confinement included
- Skin cancer benefit included
- Composite rate – all employees pay same rate regardless of age or tobacco use
- Directors eligible
It supplements your medical plan and helps cover your out-of-pocket expenses. This coverage pays a lump-sum benefit following the diagnosis of a critical illness, such as:
- Heart attack
- Stroke
- Bypass surgery
- Paralysis
- Type 1 diabetes
- Infectious disease including Covid
- And many other covered illnesses
Benefits include:
- Four plan designs to choose from
- Age lock at current age
- Portable at same group rate
- Guaranteed Issue starting with 5 employees
- Directors eligible
ID Theft coverage helps you recover from a stolen identity providing the following benefits:
- Free to all employees for 1 year
- $1 million identity theft expense and fraud reimbursement
- Full-service recovery
- 24/7/365 personal ID coach
- Monitoring
- Lost credit card cancellation and replacement
- Monthly all clear emails
- Directors and retirees eligible
These coverages protect your employees’ families, and their lifestyles should something happen to your employees. Here are a few key benefits:
- Life and Long Term Care
- Guaranteed Issue starting with 5 employees as long as not currently disabled
- Portable at same group rate and guaranteed renewable for life
- Waiver of premium if insured becomes totally disabled
- Family coverage
- Guaranteed issue (no medical underwriting)
- Spouses Guaranteed Issue
- 5 year buy up provisions
- Rates start at 13.28 per month (rates and benefits vary by state)
- Directors eligible
Benefits include:
- Retiree H.R.A.s
- ICHRAs
- Medicare Supplements and Medicare Advantage Plans
- Guaranteed Issue
- Individual ACA plans
- Director and Retiree Life
Benefits include:
- Disability wrap guaranteed issue starting with 5 employees
- 100% Disability income replacement
- Employer paid gross up and deduct Disability plans
Telco Benefits Alliance Voluntary Coverages We Offer
For most employees our supplemental health insurance can pay for their out-of-pocket expenses in full under their employer-provided medical benefits. This also allows your organization to lower your employee benefits costs while decreasing the out of pockets your employees pay.
Our plan works with a two ID card system and pays back providers directly.
There is no network with our plan and will pay regardless of which carrier your primary insurance provider is including those plans offered by NTCA.
Directors, pre and post 65 retirees all eligible.
This optional coverage can also complement your health insurance and help cover out-of-pocket expenses. Benefits include:
- Guaranteed Issue Accident Coverage starting with only 5 employees
- Portable at same group rate
- Two $100 wellness benefits per person – unlimited per family
- No claim forms or paperwork required for wellness claims reimbursement
- Two plan designs to choose from
- Organized Athletic Benefit rider included
- Composite rate – all employees pay same rate regardless of age
It covers direct, and indirect costs associated with 40 specified cancers. Benefits include:
- Guaranteed Issue Cancer plan starting with only 5 employees
- Specified Disease covering 20+ other conditions
- Two plan designs to choose from including initial diagnosis benefits
- Reoccurence benefit included
- $100 Wellness Benefit included per person on plan
- No claim forms for wellness
- Chemo, radiation, per day hospital confinement included
- Skin cancer benefit included
- Composite rate – all employees pay same rate regardless of age or tobacco use
- Directors eligible
It supplements your medical plan and helps cover your out-of-pocket expenses. This coverage pays a lump-sum benefit following the diagnosis of a critical illness, such as:
- Heart attack
- Stroke
- Bypass surgery
- Paralysis
- Type 1 diabetes
- Infectious disease including Covid
- And many other covered illnesses
Benefits include:
- Four plan designs to choose from
- Age lock at current age
- Portable at same group rate
- Guaranteed Issue starting with 5 employees
- Directors eligible
ID Theft coverage helps you recover from a stolen identity providing the following benefits:
- Free to all employees for 1 year
- $1 million identity theft expense and fraud reimbursement
- Full-service recovery
- 24/7/365 personal ID coach
- Monitoring
- Lost credit card cancellation and replacement
- Monthly all clear emails
- Directors and retirees eligible
These coverages protect your employees’ families, and their lifestyles should something happen to your employees. Here are a few key benefits:
- Life and Long Term Care
- Guaranteed Issue starting with 5 employees as long as not currently disabled
- Portable at same group rate and guaranteed renewable for life
- Waiver of premium if insured becomes totally disabled
- Family coverage
- Guaranteed issue (no medical underwriting)
- Spouses Guaranteed Issue
- 5 year buy up provisions
- Rates start at 13.28 per month (rates and benefits vary by state)
- Directors eligible
Watch this quick video about the importance of Long-Term Care coverage.
Benefits include:
- Retiree H.R.A.s
- ICHRAs
- Medicare Supplements and Medicare Advantage Plans
- Guaranteed Issue
- Individual ACA plans
- Director and Retiree Life
Benefits include:
- Disability wrap guaranteed issue starting with 5 employees
- 100% Disability income replacement
- Employer paid gross up and deduct Disability plans