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Sean Crisp & Associates Insurance Agency has been instrumental in pioneering integrated health insurance plans since 2002. Our IHIP program is specifically designed for school districts & municipalites to lower costs without sacrificing benefits or networks. IHIP has proven to be one of the most cost effective ways of delivering healthcare today.

Our Integrated Health Insurance Program:

  • Average 10-20% in savings compared to most Trust health plans
  • 2 married employees = 1 health plan
  • Provides HIPAA compliant utilization reports
  • Benefit design flexibility
  • 12 – 24 month rate guarantee
  • HMO, PPO & HSA plans side-by-side
  • Multiple carriers side-by-side
  • All plans includes Rx benefits
  • Broadest networks in California
  • No long-term or annual contracts
  • Dental, Vision, Life Insurance, EAP & Tele-Health benefits
  • Competitive Retiree rates & benefits
  • IRS sanctioned
  • ERISA compliant
  • COBRA compliant