Carriers, Health Plans, HR and Benefits Services Providers

Carriers, Health Plans, HR and Benefits Services Providers
Our partners represent the best-in-class service providers in the human resources and employee benefits industry. Working in tandem with our technology platform and our partners, we offer solutions that reduce time and effort, increase the accuracy of employee enrollments, simplify billing, and save money for brokers and employers.

Click on the partner logos below to learn more about a few of our many partners.
To learn more about how to become a PlanSource partner, please contact us at partners@plansource.com
     
     
Aetna
The Standard
AllState
     
Aetna
Aetna is one of the nation's leading diversified health care benefits companies, serving members with information and resources to help them make better informed decisions about their health care.
Why Choose Aetna
Aetna (NYSE: AET) is one of the nation's leaders in health care, dental, pharmacy, group life, and disability insurance, and employee benefits. Dedicated to helping people achieve health and financial security, Aetna puts information and helpful resources to work for its members to help them make better informed decisions about their health care. They provide insurance to over 17 million medical members, 14 million dental members, and 11 million pharmacy members.
Aetna is dedicated to helping people achieve health and financial security by providing a broad range of insurance and employee benefit products, programs and services to help control rising costs, effective administrative tools, easy to understand information, and useful tools to help employees stay healthy.
Building on their 154-year heritage, Aetna will be a leader cooperating with doctors and hospitals, employers, patients, public officials, and others to build a stronger, more effective health care system.
* As of September 30, 2008
Advantages of Using Aetna with PlanSource:
  • You and your clients enjoy all the features and functionality of the PlanSource system at greatly reduced cost.
  • Set up of the PlanSource system is much easier since Aetna's plans, rules, and features have been set up in advance, saving you time and money.
  • Data exchange between PlanSource and Aetna's systems has already been established. No more lengthy implementations to establish data interfaces.
  • Premium reconciliation and remittance is easier and more accurate through PlanSource's web-based self-billing feature. Your clients are always assured they are paying the correct premium each month without having to reconcile to a paper bill.
  • By requesting a quote from Aetna through the PlanSource system, employer and employee data only needs to be provided once, thus eliminating multiple entries into multiple systems.
To learn more about the Aetna plans offered through PlanSource Advantage, please contact a PlanSource sales representative.
The Standard
For more than 100 years, Standard Insurance Company has helped give people financial security and the confidence to pursue their dreams. Along the way, they've earned an outstanding reputation for doing the right thing for their customers. An unwavering commitment to core values has helped The Standard to become a national leader in employee benefits and is at the heart of their customer service philosophy.
Why Choose The Standard
Founded in Portland, Oregon in 1906, The Standard is a nationally recognized insurance provider offering group disability, life, and dental. The company provides insurance to more than 28,500 groups covering approximately 7.6 million employees nationwide.
* Their first group policy, written in 1951 and still in force today, stands as a testament to their commitment to building long-term relationships.
They always strive to do what's right - for their policyholders and their employees. This dedication has resulted in a national reputation for quality products, superior service, and industry expertise. To learn more about how The Standard can help your clients, use the drop down menu in the top right corner of this section to learn more about our products.
* As of March 31, 2008, based on internal data developed by The Standard
Advantages of Using The Standard with PlanSource®
  • You and your clients enjoy all the features and functionality of the PlanSource® system at greatly reduced cost.
  • Set up of the PlanSource® system is much easier since The Standard's plans, rules, and features have been set up in advance, saving you time and money.
  • Data exchange between PlanSource® and The Standard's systems has already been established. No more lengthy, expensive implementations to establish data interfaces.
  • Premium reconciliation and remittance is easier and more accurate through PlanSource's® web-based self-billing feature. Your clients are always assured they are paying the correct premium each month without having to reconcile to a paper bill.
  • By requesting a quote from The Standard through the PlanSource® system, employer and employee data only needs to be provided once, thus eliminating multiple entries into multiple systems.
The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary.
The products and coverages have exclusions, limitations, reductions of benefits and terms under which they may be continued in force or terminated. Please contact Standard Insurance Company for additional information, including costs and complete details of coverage.
Group Long Term Disability insurance is underwritten by Standard Insurance Company under GP190-LTD/S399, GP190-LTD/TRUST/S399, GP399-LTD/TRUST, GP190-LTD/A698, GP190-LTD/ASSOC/S399, GP491-LTD/TRUST/S399, GP899-LTD.
Group Short Term Disability insurance is underwritten by Standard Insurance Company under GP399-STD, GP190-STD/S399, GP399-STD/TRUST, GP899-STD, GP399-STD/ASSOC.
Group Life and AD&D insurance is underwritten by Standard Insurance Company under GP190-LIFE/S399, GP190-ADD/S399.
Group Dental insurance is underwritten by Standard Insurance Company under SI 9000 Ed. 01-02 w/insert pages, GDC 488 MET.
PlanSource Advantage is provided through an arrangement with PlanSource®, an independent organization not affiliated with Standard Insurance Company. PlanSource Advantage is not an insurance product.
Dental Insurance
AHL minimedical® can help satisfy employee benefit challenges facing employers of part-time, entry wage and non- benefited full-time workers. AHL minimedical® provides immediate and affordable medical benefits to a group of employees who may never have before been eligible for group health coverage. For employers who rely on part-time or entry level workers, AHL minimedical® is a fast, easy, and powerful way to improve recruiting results, retain employees and break the costly turnover cycle.

This plan includes medical expense insurance, PPO savings, wellness benefits, hospital indemnity coverage, prescription drug benefits, and accidental death and dismemberment coverage. Voluntary dental, term life, short-term disability, accident, and hospital indemnity benefits are also available to personalize coverage.
This is true Group Health Insurance, not just a discount plan or an indemnity plan!
Our plan features The PCHS Network, the largest proprietary PPO network in the country!
True office visit benefit that pays 100% of all in office charges after the co-pay (in-network)!
Easy access to healthcare with time-of-service benefits! No referrals required! No risk of overcharges!
Prescription drug benefit and an Rx discount program!
Covers outpatient, inpatient, prescription drugs, home health care, lab, x-rays, and much more from $2,500 to $25,000 benefits
Competitive and affordable premiums with no employer contributions required
Guaranteed Issue with no health questions
Additional benefits available such as Dental, Life, STD, Critical Illness, Cancer-Dread Disease & Accident plans!
Private Healthcare Systems (PHCS), the largest proprietary Preferred Provider Organizations (PPO) in the country. PHCS has over 450,000 providers and 4,200 facilities in their network. They are the first and only PPO to earn four endorsements of quality and their strong relationships with providers mean they're able to offer customers the best savings in the industry.
* This illustration highlights some features of the policy and riders, but is not the insurance contract. Only the actual policy and rider provisions control. The policy and riders set forth, in detail, the rights and obligations of both the insured and the insurance company. Policy benefits can be customized. 15% participation required. Fully COBRA & HIPAA compliant and is portable.
Banner Dental Care Plan
Banner Dental Care Plan
Type 1 (Preventive) Expenses Plan pays 100% of Usual & Customary Charge*
Routine Oral Exams Once every 6 months
Fluoride Treatments Covered through age 13
Cleanings Once every 6 months, but combined with Periodontal Prophylaxis
Full mouth or Panoramic X-Rays Once every 5 years.
Bitewing X-rays 1 set every 12 months
Type 2 (Basic) Expenses Plan pays 80% of Usual & Customary Charge*
Simple Extraction
Amalgam/Composite Restorations Once every 6 months per surface
Sealants Covered through age 13, permanent molars, once every 36 months.
Endodontic Services (Root Canals)
Periodontal Prophylaxis 2 per benefit period (12 months) but combined with regular cleanings.
Type 3 (Major) Expenses Plan pays 50% of Usual & Customary Charge*
Crowns, inlays and onlays, bridges, dentures, partial dentures, and prosthetic replacements Once every 10 years
Periodontal surgery Once every 3 years
Endodontic surgery
Oral Surgery
General Anesthetic with Covered Oral Surgery
Other Highlights Include:
  • Deductible: $50 per Calendar Year waived for Type 1 with a $150 per Calendar Year family maximum
  • Calendar Year Maximum Amount: Choice of $1000 or $1500
  • Benefit Waiting Period: A 1 year wait on Type 3 Expenses. (Waived if prior plan inforce 2+ years)
  • Max BuilderSM feature included
  • Passive PPO negotiated fee discounts available in most areas
  • Orthodontia (Adult and Child) is available for an additional cost. 50% Coinsurance. $1,000 Lifetime Maximum. Twelve month wait for current employees and new hires. Part or all of the waiting period may be waived depending on group size and prior orthodontia coverage.
* Maximum Allowable Charge is based on the 90th percentile of Usual & Customary charge
Additional Features and Benefits of The Standard's Group Dental Plan
  • Employers can benefit from the expertise of our dental consultants who evaluate the necessity of dental procedures and their appropriate costs.
  • An advanced claims system verifies eligibility for benefits so that employees receive benefits only for procedures for which they qualify.
  • Toll-free customer service number and a 24-hour interactive voice response system make it convenient to reach us.
  • Claims processing system automatically adjudicates two-thirds of claims received electronically and speeds payments.
  • Online PPO directories and processed claim information are available online 24 hours per day.
Long Term Disability
Group Long Term Disability (LTD) insurance with The Standard provides a monthly benefit to eligible employees who are partially or totally disabled due to a covered physical disease, injury, pregnancy, or mental disorder. We offer competitive product features and work with you to ensure that each plan meets your clients' employee benefits package requirements. In order to deliver on our promise to provide for eligible employees during their time of need, we have dedicated a team of claims management professionals to assure superior service to you as well as your clients and their employees.
Key Features
  • Flexible benefit percentages: 30 to 70 percent of predisability earnings
  • Maximum benefit amount of up to $25,000 per month (may vary with demographics and industry)
  • Choice of benefit waiting periods: as low as 0/3 for some specialty voluntary plans; more common choices include 30, 60, 90, or 180 days, one or two years
  • Definitions of disability covering own occupation, any occupation and partial disability from day one
  • Variable plan designs: one-year, two-year, three-year, five-year, and to age 65 own occupation periods
  • Employee Assistance Program included for groups with 10 to 2,500 covered lives
  • Progressive return-to-work provisions that encourage and support disabled employees in returning to work
  • Reasonable accommodation expense provision that may reimburse employers for up to $25,000 for worksite modifications made on behalf of a disabled employee
  • Rehabilitation plan incentives including training, education, family care, job-related, and job search expenses
  • Family care expense option available
  • LTD "buy-up" plans that allow employees to supplement their employer's LTD plan from The Standard
Short Term Disability
The Standard's Short Term Disability (STD) insurance plans are designed to provide coverage for total or partial disabilities resulting from physical disease, injury, pregnancy, or mental disorder. STD insurance offers an attractive option for employers who wish to supplement a sick leave benefit program. The Standard's group STD insurance provides a variety of plan options to serve your clients' specific needs
Key Features
  • Flexible benefit percentages: 40 to 70 percent of predisability earnings
  • Maximum benefit amount of up to $5,000 per week
  • Choice of maximum benefit periods: between three and 52 weeks
  • Choice of benefit waiting periods for accidental injuries: between zero and 31 days
  • Choice of benefit waiting periods for sickness or pregnancy: between three and 120 days
  • Choice of non-occupational or 24-hour coverage
  • First day hospital benefit and daily hospital benefit options available
  • Employer FICA payment and W-2 tax reporting service available
  • Partial disability included from day one
  • No pre-existing condition limitation with most plans
  • Self-funding options for groups of over 250 insured lives that have LTD coverage with The Standard
Life
Group Life insurance is often the foundation of an employee benefits plan, offering protection for employees and their families in the event of death or other unfortunate events. The Standard offers a high-quality product with competitive employee and family-oriented features and caring service that your clients will appreciate.
  • Coverage is available up to a guarantee issue amount without an evidence of insurability requirement
  • Waiver of Premium provision offers continued coverage for eligible employees with disabilities
  • Accelerated Benefit, one of the highest in the industry, is automatically included with all Group Life insurance policies that have Waiver of Premium
  • Repatriation Benefit is automatically included with all Group Life insurance policies
  • Portability is available for most industry groups, subject to state requirements
  • MEDEX® Travel Assist, which helps employees with medical care situations and other emergencies when they travel more than 100 miles from home or internationally, is automatically included
  • Standard Secure Access option allows beneficiaries to have benefits of $25,000 or more deposited into an interest-bearing checking account allowing quick access to funds
Additional Life
The need for life insurance often extends beyond basic coverage. Offered as an option with our Group Life, The Standard's Additional Life insurance allows insured employees to purchase added group term life insurance at competitive group rates. The schedule of benefits, evidence of insurability, and participation requirements can be tailored to meet employers' specific needs.
Supplemental Life
Offered as an option with our Group Life insurance, The Standard's Supplemental Life insurance provides insured employees and their spouses an opportunity to increase their Group Life insurance coverage at competitive group insurance rates. For your clients' employees, the product offers a convenient way to add to their families' financial security.
  • Employee coverage is available in increments of $10,000 (from $30,000 to $300,000), subject to state regulations
  • Spousal coverage is available in $10,000 increments, up to a maximum that is subject to state regulations
  • Spousal coverage is offered at the same group rates extended to employees
  • Premium payments through convenient payroll deduction
  • Waiver of Premium is available
  • Participation requirements are subject to state regulations (No minimum participation required, though at least three applications must be received in order for coverage to be effective with the policy)
Dependents Life
The Standard offers Dependents Life insurance as an option with our Group Life insurance coverage. Insured employees may purchase life insurance coverage for their eligible dependents at group insurance rates.

  • Coverage for spouses
  • Coverage for eligible children
Accidental Death & Dismemberment (AD&D)
Accidental Death & Dismemberment (AD&D) is offered in combination with our Group Life insurance, The Standard's AD&D provides additional benefits in the event of a covered accidental death or dismemberment. AD&D builds upon the foundation laid with Group Life insurance, and offers your clients the flexibility and features they need to meet their employees' needs.
  • Seat Belt Benefit in addition to AD&D amount when an insured employee dies as a result of a covered automobile accident while wearing and properly utilizing a seat belt
  • Air Bag Benefit, which provides further protection in the event of a covered automobile accident for which the Seat Belt Benefit is payable
  • One of the most comprehensive Family Benefits Package in the industry, including benefits for Career Adjustment, Child Care and Higher Education; package is automatically added to all AD&D policies
Standalone AD&D
The Standard offers a separate AD&D product that employers can purchase independently from our Group Life insurance coverage. Stand-alone AD&D provides benefits in the event of a covered accidental death or dismemberment.
  • Amounts available in increments of $25,000, up to $500,000
  • No evidence of insurability required
  • Dependent coverage available
  • Direct Deposit of benefit payments available through Standard Secure Access for claims of $25,000 or more
Voluntary
The “one size fits all” approach to employee benefits doesn't work in today's marketplace. But what can you offer your clients who want to provide comprehensive benefits to meet the diverse needs of their employees, while minimizing the hit to their company's bottom line?
An employer-sponsored Voluntary benefit program is typically a cost-effective option for companies, and The Standard offers a full line of Voluntary insurance products to help you complete your clients' employee benefits puzzle. The Standard's Voluntary Life, Additional Life, Long Term Disability, Short Term Disability and Dental plans offer you and your clients:
  • Low required participation rates
  • Flexible plan designs
  • Convenient payroll deduction
  • Responsive claims services
  • Employee pre-enrollment and enrollment communication materials
  • Personalized enrollment packages from The Standard
AllState
More and more, employers are depending on Benefits Managers to identify opportunities to implement benefit programs to attract and retain valuable employees, while containing the overall costs of the benefits plan. Allstate Workplace Division (AWD), America's Workplace Marketer®, has been helping Benefits Managers all across the nation successfully accomplish their business objectives since 1956.
Through Allstate Workplace Division (AWD), Benefits Managers have a broad portfolio of insurance products from which they can choose. This includes Term and Universal Life, Supplemental Health, Disability Income, Group Voluntary Life, Disability and Cancer. Group Voluntary products contain a minimum participation requirement. In addition, the AHLminimedical® product provides a limited benefit medical plan available to part-time employees as well as other non-qualifying employees. It allows employers to offer benefits to employee groups who previously have not had an opportunity to participate in employer sponsored medical benefits. In turn the employers are able to successfully recruit and retain these employee groups based on a competitive dynamic that does not include hourly wage.
About Allstate Workplace Division
Allstate Workplace Division (AWD) is the marketing name used by American Heritage Life Insurance Company, Jacksonville, Fla., a wholly owned subsidiary of The Allstate Corporation. American Heritage Life Insurance Company is licensed in 49 states, District of Columbia, Puerto Rico, Guam, and U.S. Virgin Islands.
Our High Marks:
  • Rated A+ (Superior) by A. M. Best (2009)1
  • Rated AA (Very Strong) by Standard & Poor's Corporation (2007)2
  • Top 50 Companies for Diversity
    • –Diversity Inc. magazine, five-time award winner (2002–2006)
  • 100 Best Companies for Working Mothers
    • –Working Mother magazine, 16-year award winner (1990, 1992–2006)
  • One of the “Best Places to Work for Latino's”
    • –Hispanic magazine, award winner for the ten consecutive years (1996–2005)
  • Top 100 Best Places to Work in IT
    • –Computerworld magazine, Award winner for the ninth consecutive year (1997–2005)
Group Universal Life Insurance
Group Universal Life Insurance coverage provides a death benefit and over time, provides tax-deferred fund value accumulation that may be used for retirement, children's education, or emergencies. Contingent Guarantee Issue Group Universal Life Insurance Coverage is available to employees of qualified groups. Several Riders are also available. This is in addition to any coverage already provided by the employer.
Group SHOP Hospital Indemnity
Referred to as SHOP (Supplemental Health Options Policy), pays predetermined amounts for covered hospital, outpatient, nursing, transportation and physician services.  Optional benefits include prescription drug coverage; wellness and preventative testing; diagnostic X-rays; off-the-job accident and sickness disability coverage; and term life coverage. Group SHOP is a perfect supplement to your Group Health Insurance plan. PPO Network available in approved states.
Group Critical Illness
Group Critical Illness coverage pays lump sum benefits (from $10,000 to $100,000) directly to the insured at the time a covered illness is diagnosed for heart attack, stroke, heart transplant and other threatening conditions as defined in the certificate. Options are available for cancer, wellness, recurrence and comprehensive wellness benefits.
Group Cancer and Specified Disease
Group Cancer and Specified Disease pays benefits that can be used for non-medical related expenses that health insurance may not cover as a result of cancer and 29 other specified diseases. Benefits are paid as they go and cover the cost of specific treatments and expenses as they happen.
Group Accident
Group Accident coverage pays lump sum benefits for on- and off-the-job accidents, in addition to existing medical coverage. This plan provides 24 hour accident benefits for dislocations, fractures, loss of limbs, and death as a result of an accident. Hospital, Intensive Care and other medical expenses are covered in the Accident plan.
Group Insurance
NOTE: Allstate Workplace Division's group voluntary products have minimum participation requirements which may vary by product/state requirements.
Group Limited Benefit AHL minimedical® Plan
AHL minimedical® can help satisfy employee benefit challenges facing employers of Part-Time, Entry Wage and Non-Benefited Full-Time workers. AHL minimedical® provides immediate and affordable medical benefits to a group of employees who may never have before been eligible for group health coverage.
For employers who rely on part-time or entry level workers, AHL minimedical® is a fast, easy, and powerful way to improve recruiting results, retain employees and break the costly turnover cycle. This plan includes medical expense insurance, PPO savings, wellness benefits, hospital indemnity coverage, prescription drug benefits, and accidental death and dismemberment coverage. Voluntary dental, term life, short term disability, accident and hospital indemnity benefits are also available to personalize coverage.