Municipalities

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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:

  • Averages 20-30% in overall savings coming out of a Trust
  • 2 married employees = 1 health plan
  • Provides monthly claims and utilization reports
  • Provides benefit design flexibility
  • Provides a 12 month rate guarantee
  • Allows multiple HMO, PPO, & HSA plans side-by-side
  • Allows multiple carriers side-by-side
  • Includes Rx benefits in all medical plans
  • Broad HMO and PPO networks in California
  • Does not require long-term or annual contracts
  • Dental, Vision, Life Insurance, EAP & Tele-Health benefits
  • Competitive Retiree rates & benefits
  • IRS sanctioned
  • ERISA compliant
  • COBRA compliant