Your Success Is Our Success

Helping independent insurance agents and financial advisors grow their businesses since 1984.

Carolina Benefit Administrators, Inc.

What we do and our commitment to you.

As a professional producer, you need accurate and timely information, not only about products but also about the marketplace in general. Partnering with an agency that has their finger on the pulse of the ever-changing marketplace and holds contracts with top rated carrier/TPA partners that offer the best non-ACA group and individual solutions for your clients, are compelling reasons to do so.

We don’t require any contractual obligations that require you to be captive. You retain your independence and your commissions are paid directly from the carrier/TPA; while we help you maximize your time – so you can concentrate on sales

Learn How We Can Help You

With health insurance benefits your clients’ can use and afford

1-800-537-6614

Carriers

We partner with the nation’s most trusted carriers and vendors offering innovative health programs designed to help consumers stay healthy while challenging high premiums and healthcare costs.

Your Success Is Our Success

Carolina Benefit Administrators, Inc.

What we do and our commitment to you.

Learn How We Can Help You

With health insurance benefits your clients’ can use and afford

Carriers

Note: The carriers shown above are a sample, and not representative of a complete list of our approved carriers.

Fiction: An employer will get stuck with the bill for large claims.

Fact: Employers that self-fund plus purchase stop-loss insurance are protected.

Fiction: Claims exceeding the aggregate attachment point are going to be reclaimed by the carrier at renewal time.

Fact: Each year is a new contract period and many stop-loss insurance carriers do not try to recoup money with pricing in future contract years.

Fiction: The benefits are stripped down compared to fully insured plans.

Fact: Many self-funded plan designs include most EHBs.

Fiction: After the plan year ends, claims are no longer administered for self-funded plans.

Fact: Employer’s claims are administered by the TPA during the designated runout period.

Fiction: Claims from the current year will carry over into the next contract year.

Fact: Claims from the current year do not carry over into the next contract year because each year is a new contract period.

Fiction: Only large companies are a good fit for self-funding.

Fact: Although once believed to be primarily for larger companies, self-funding is a viable option for many smaller businesses.

Costs are unpredictable and future benefit decisions are challenging.

Fact: With self-funding, employers have transparency of costs when they receive healthcare-utilization reports at various intervals throughout the year.

Fiction: At renewal time, a large claimant will be lasered.

Fact: Many small to mid-size stop-loss insurance carriers do not laser.

One last fact: Self-funding can provide your employers with alternative ways to continue offering healthcare benefits in today’s market.