Posts by admin_phs
Supplemental Insurance Compliance: What Agents Need to Know
Supplemental and limited benefit insurance products like fixed indemnity, critical illness, accident, hospital indemnity, and short-term medical occupy a distinct regulatory space…
Enrollment Compliance: What Happens Between the Agent’s Sale and the Member’s First Bill
The moment between when an agent completes a sale and when the member sees their first billing charge is where the majority…
Red Flags When Choosing a TPA: What to Watch For Before You Commit
Not every third-party administrator operates the same way. Some are built on solid operational infrastructure, transparent practices, and genuine commitment to agent…
Fixed Indemnity vs. Hospital Indemnity: What’s the Difference and Which Do You Need?
Fixed indemnity insurance and hospital indemnity insurance are both supplemental products that pay cash benefits directly to you when a covered health…
TPA vs. FMO: Which Partner Helps You Sell More Supplemental Insurance?
If you’re an independent insurance agent building a supplemental health book, you’ve probably heard two acronyms tossed around interchangeably: TPA and FMO. But for agents evaluating distribution…
Billing Transparency and Consumer Protection: A TPA’s Responsibility
Billing is where the member’s experience of their benefit plan becomes tangible. The enrollment process is a one-time event. Claims and coverage…
State-by-State TPA Regulation: Why It Matters That Your TPA Is Registered Everywhere
There is no single federal standard for how s are regulated in the United States. Instead, TPA oversight is a patchwork of…
Data Security and HIPAA in the Limited Benefit Space
Every time a member enrolls in a benefit plan, submits a payment, logs into a member portal, or calls to ask a…
Critical Illness Insurance: A Financial Safety Net When It Matters Most
A cancer diagnosis, a heart attack, a stroke. These are the events nobody plans for, but everyone fears. And while major medical…
Why Every Working American Should Consider Accident Insurance
Accidents don’t send advance notice. A fall on a job site. A car collision on the commute. A sports injury on the…