Third-Party Administrator
2026 Health Benefits Trends: What Agents, Carriers, and Associations Need to Know
Seven trends are shaping the health benefits landscape in 2026: rising employer healthcare costs driving demand for supplemental products, accelerating growth in…
How TPAs and Insurance Carriers Work Together
A third-party administrator (TPA) and an insurance carrier work together through a division of responsibilities: the carrier creates insurance products, sets premiums,…
Short-Term Medical Insurance: Pros, Cons, and Real Scenarios
Short-term medical insurance, also known as Short-Term Limited Duration Insurance (STLDI), offers lower premiums, faster enrollment, and flexible coverage terms—but it doesn’t…
How to Sell Short-Term Medical Insurance as an Independent Agent
To sell short-term medical insurance, also known as Short-Term Limited Duration Insurance (STLDI) effectively, independent agents need to identify the right client…
How Short-Term Medical Insurance Works: A Complete Guide
Short-term medical (STM) insurance provides temporary health coverage for individuals in coverage gaps—typically lasting 1 to 36 months depending on the state.…
Do I Need Supplemental Insurance? How to Know If Extra Coverage Is Worth It
You likely need supplemental insurance if your major medical plan has a high deductible, if you’d struggle to cover $2,000–$5,000 in unexpected medical expenses, or if…
How Associations Can Add Health Benefits Without Building an Insurance Operation
Trade associations and professional organizations can offer access to health and supplemental benefits to their members by partnering with a third-party administrator…
Understanding Your Health Insurance Billing Statement
The charges on your bank or credit card statement from a health benefits company represent premiums for your health or supplemental insurance…
How to Verify Your Health Benefits Administrator Is Legitimate
To verify that a health benefits administrator is legitimate, check their registration with your state’s Department of Insurance, confirm their physical business…
Choosing the Right TPA Partner: What Insurance Agents Should Look For
The right TPA partner for an independent agent isn’t the one with the highest commission rate—it’s the one that makes your business more productive, more…