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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