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“Because one size does not fit all!”


A “Hybrid” benefits package is exactly that – a hybrid of all the other types of benefits available, packaged under one billing and administration process. If you asked an Insurance Broker for a quote on a hybrid package for your employees, you may be surprised at their reaction. It’s not a fixed deal.

All Third Party Administrators (TPA) are not capable of administering a 100% integrated hybrid package. It is imperative to have the access to, and knowledge of markets, in order to provide simple one source billing and administration. A hybrid package could include as many as five different source suppliers.

The Benefit Guys, as your Independent Broker acts as your filter between your company and the available suppliers to fill your needs. We have access to the best experts with the best markets. We work with you initially to develop a hybrid profile that will suit your needs.

If you are not sure whether a hybrid plan is for you, click here and complete our short, private questionnaire. The answers will help you to see where your company’s needs can be best be filled. It’s a good place to start.

Characteristics of a Hybrid Plan HWT, HSA or ASO element to cover the high frequency low cost elements. Has a traditional insurance element to cover the high risk low frequency elements. Has a catastrophic loss element. 	Central billing and administration. 	May include an Employee Assistance Program (EAP). May include an LTD benefit from a separate insurance carrier. May include a Wellness Program. May include other items not mentioned here.