Municipalities

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