Our Advantages.
Tru Advantage Healthcare was created to provide small and medium sized businesses with easy access to excellent healthcare & benefits at a lower cost to you and your employees.
TruAdvantage Healthcare offers old fashioned principles with innovative ideas. We provide a comprehensive approach to the needs of individuals, business owners and their employees. With more than 115 years combined experience in the insurance, marketing, and financial service markets, TruAdvantage Healthcare brings together a single access point to unique products and services.
Our clients live and work all over the United States of America and U.S. territories. We can take care of you wherever you are. Our clients range from employers to groups with 2 – 7,000+ employees, from retail to construction, computer technology to medical, government entities to school municipalities, automobile dealerships and non-profit organizations. We can take care of whoever you are. Our clients take advantage of all our resources from self-funded to fully-funded health plans, from COBRA to FMLA administration, from healthcare to HR compliance, from group to voluntary benefits, from Online Enrollments to On-site Enrollments. We can take care of whatever you need.
Enroll, decline or make changes
Cost information
Decision support
Website links & videos
Plan contacts
Our Advantages
| Creativity | Flexibility | Knowledgeable | Resourcefulness | Dedication | Thoroughness |
| Your outlook is our best measure of success | Your needs are met in the most innovative ways | You warrant the freshest approach – every time | Helping you reach your goals is our testimony | Your continued confidence is our motivation | Exceeding your expectation is our biggest reward |
Online Enrollment
Our full service on-line benefit exchange, provides you with easy access to important benefit and Human Resources related information 24/7 – 365.
Our site is your central point of benefits management – placing the control of your benefits in your hands and is accessible from any device with an internet connection. (There’s also an app – making access on the go friendlier!)
If you need assistance with your login, please contact us at 1-844-Seven07
Conserve your Resources. Tap into Ours.
Tru Advantage Healthcare’s holistic approach from marketing to ongoing service in the employer market helps your business stay compliant and employees engaged—while saving you time and money.
It’s important to attract and retain good employees. But, often the associated costs with compliance, and administrative burden present big challenges. From a strategic bid process to personalized service, we provide the greatest opportunity to meet your challenges in the most effective way.
Good RX
Use GoodRx’s drug price search to compare prices (just like you do for travel or electronics on other sites) for your prescription at pharmacies near you. We don’t sell the medications, we tell you where you can get the best deal on them. GoodRx will show you prices, coupons, discounts and savings tips for your prescription at pharmacies near you.
Use cost estimators at your plan’s member website or an independent site such as: www.fairhealthconsumer.org
Compare providers and quality of care at your plan’s member website or www.medicare.gov or www.healthgrades.com
Let us be your #1 Resource to Success.
Tru Advantage Healthcare has the experience and knowledge to help navigate the most compelling issues facing an employer. With a fresh approach, we use our tools and resources to help you solve problems and boost business.
| People | Tools | Process |
| Personal Care | Online Enrollment Platform | Training |
| HR Support | HR Dashboard | Automation |
| Professional Network | Notices, Communications & Guides | Tailored to your business |
Your dealership demands significant attention to a variety of issues. We free up time and resources so that you can focus on what is most important to you – running your dealership profitably. We welcome the opportunity to discuss your specific needs and demonstrate our extensive knowledge and services. Let Tru Advantage Healthcare be your #1 resource.
| HR and Compliance | Business Services | Business & Financial Services | Health & Wellness Consulting | Benefits Consulting & Broker Services |
| ERISA | Payroll & Accounting | Retirement & Estate Planning | Health, Dental & Vision | Cafeteria Plans |
| Legal Counsel | Underwriting Review | Business Tax Credit Consulting | Flexible Spending & Health Savings Accounts | Wraps & SPDs |
| CORBRA, Privacy & FMLA | Marketing (RFP) Projects | Individual Insurance | Consumer Driven Healthcare | COBRA, Privacy & FMLA |
| Human Resources Support | Business Evaluation Services | Employee cost Evaluation | Health Reimbursement Plans | Human Resources Support |
| Business Compliance Services | COBRA, Privacy & FMLA | Employee Compensations Plans | Partially Self-Funding Health Plans | Comparative Cost Analysis |
| Employer Registrations & Filings | Benefit Counseling & Enrollment | Discriminatory Benefit Plans | Telephonic to Onsite Healthcare | Privacy & ACA (Healthcare Reform) |
| Privacy & ACA (Healthcare Reform) | Privacy & ACA (Healthcare Reform) | Benefits Tax Plan Filings & Registrations | Telephonic to Onsite Healthcare | |
| Outsourcing & Third Party Admin Services | Benefits Tax Plan Filings & Registrations | Business Evaluation & Succession Plans | Workplace Health, Nutrition & Safety | |
| Outsourcing & Third Party Admin Services | Employee Education & Communication | |||
| Benefits Tax Plan Filings & Registrations | ||||
| Employee, Executive & Worksite Benefits |
HEALTH PLAN LAW
You can only enroll in a health plan certain times of the year:
- Annual Open Enrollment, or
- If you become newly eligible, or
- If you experience a Qualifying Life Event
Not all plans are created equal – understanding the differences in coverage and provider access are key. Choose where you get coverage wisely. You can only get health coverage from the following sources:
- At work (if offered)
- Individual/Medicare Market (renews January 1)
- healthcare.gov (renews January 1)
Have coverage or pay a penalty.
However, some people qualify for an exemption based on income or other factors. For more info, visit: www.healthcare.gov.
Medicare
If you’re working and Medicare eligible or covered by Medicare, you may be able to: retain your employer sponsored health plan, if any, and/or solely elect Medicare and enroll in a Medicare Supplement and Medicare Drug Plan.
Consider your options at work versus those you can obtain individually carefully. Some employer sponsored health plans may require you to obtain both Medicare A & B when you become eligible. And, if you’re covered under an employer plan and Medicare – you may have questions about who pays first.
To learn more, visit www.medicare.gov.
Call us at 1-844-Seven07 for a review of your Medicare Options
TruAdvantage Healthcare has the experience and knowledge to help navigate the most compelling issues facing an employer. With a fresh approach, we use our tools and resources to help you solve problems and boost business.
We make insurance work for you.
We work with employers to design benefits that keep you, your family, and bank account healthy. Our one-stop Resource Center helps you ensure you get the most out of your benefits:
- Personal financial, benefit counseling and education
- Individual support and knowledgeable help for you and your family
- Big discounts for care and services
- Group rates, tax savings, and other incentives to keep your money in your pocket
From open enrollment to all year long, our Resource Center provides personal assistance to you and your family and offers the tools, information, and resources you need. We’ll help you with some of life’s biggest challenges and important events.
We’ll help you look at what’s available to you at work and fill any gaps that are unique to your personal situation.
What do you need?
We have partnered with TruAdvantage Healthcare to offer you personal service and the best choices at the most affordable cost.
| Go to Your Employer’s Benefit Resource Center | Go → |
| Answer Your Employer’s Health Questionnaire | Go → |
| Schedule/Request Assistance with Benefit Counselor | Go → |
| Request Assistance with a Claim | Go → |
Let TruAdvantage Healthcare’s skills and expertise be your advantage!
| Enrollment | Guidance | Support |
| Online Enrollment | Standard Benefits | Claims Assist |
| Medical Questionnaires | Supplemental Benefits | Plan Network |
| Mid Year Elections | COBRA | Plan Info |
| FMLA | Cards |
Smart decisions make a difference.
Our resources give you the tools & support to make smart decisions that affect some of the most important aspects of your life.
Timing is everything.
Your situation is unique whether you’re a new employee or a veteran facing open enrollment. Plus, your option to get or change coverage (at home or at work) are limited. Plus, sometimes, if you pass something up initially, you can be declined in the future. Our personal assistance helps you make important decisions.
Open Enrollment
The period of time each year when you can sign up for or change your benefits.
Special Enrollment
A (short) period of time that allows you to make changes to your elections outside of open enrollment. Special enrollment is triggered by events in your life such as birth, adoption, marriage, divorce, death, a dependent becomes too old, or you/dependents lose eligibility for coverage. Special enrollment also applies to newly hired/benefit eligible employees. Ask us to find out if you have a special enrollment and what that means to you.
Be Savvy!
When you need care, arm yourself with good information and use good providers. If things get you down, keep your goal focused on getting well – quicker. And, when you get well – set your goal on staying well longer!
Prescriptions make up 20-30% of healthcare costs. It’s important to be savvy about them!
Split Pills When Appropriate
Taking a tablet that comes in more than one dosage? You may be able to cut your medication costs by cutting higher strength tablets in ½.
Ask About OTC or Generic Meds
Before you fill a prescription, see if a lower cost alternative is available. Consult with your doctor & pharmacist to ensure the course of treatment is covered by your health plan & the most effective for you.
Get Help When You Need It
If you cannot afford your prescription, contact: www.pparx.org or call, toll‐free, 1‐888‐4PPA‐NOW for assistance or search the internet for the name of your prescription & patient assistance.
Do something today that your future self will thank you for.
We can show you how
Everyone should have a personal road map. Following a well-thought-out plan ensures that your future becomes what you envision. We use a personal hands-on approach that can help you and your family with some of life’s most important issues along the way.
Tru Advantage Healthcare is your ongoing advocate and advisor. We’ll leverage our professional relationships to your advantage and help you create and implement a workable plan that is best for you and your family.
From simple to complicated, we evaluate your needs and goals and pick the best route. And, we’ll review your plan periodically to ensure they remain consistent with your ever-changing needs.
| Health, Medicare, & TeleMedicine |
| Travel Insurance |
| Dental & Vision |
| Disability & Long Term Care |
| Life Insurance – Term to Permanent |
| Tax and Estate Planning |
| Property & Casualty Insurance |
| Financial Planning |
| Identity Theft & Legal Services |
Don’t risk a little to lose a lot.
| Planning | Guidance | Support |
| Medicare | Benefits | Claims Assist |
| Retirement | Beneficiaries | Plan Network |
| Life & Disability | Plan Info | |
| Cards |
Where Can You Get What You Need?
No matter where you obtain your coverage, TruAdvantage can point you in the right direction. We’ll take into account all your options to ensure your plan compliments your unique situation.
Our Advisor will create a plan that helps you prepare for the worst, define your financial possibilities, and achieve your goals. We’ll also give you the guidance to make sure you have adequate protection and liquidity; accumulate wealth as dictated by your goals; manage income taxes; plan for retirement and preserve your wealth.
No matter what you do for a living or where you are in your life, there’s always an opportunity to better protect yourself and your loved ones.