EMPLOYEE BENEFIT SOLUTIONS
Medical & Pharmacy
Plans
Your health plan is your most significant benefits expense — and the benefit your employees care about most. Triangle Benefits brings deep carrier relationships and market intelligence to help you structure the right plan for your workforce and your budget, without sacrificing quality of coverage.
Types of Plans
01
FULLY
INSURED
Traditional group coverage where premiums are paid to a carrier who assumes all risk. Ideal for companies that prefer cost predictability, with plans spanning HMO, PPO, and EPO networks across the United States.
02
SELF-FUNDED
PLANS
Employers pay claims directly, keeping risk — but also savings — in house. We manage stop-loss coverage, TPA relationships, and claims analytics so your team doesn't have to navigate it alone.
03
LEVEL-FUNDED
PLANS
A hybrid approach offering the savings potential of self-funding with the cost predictability of a fixed monthly payment. A strong fit for employers with 25–200 employees looking to break from the fully-insured cycle.
04
PHARMACY BENEFIT
MANAGEMENT
Prescription costs are one of the fastest-growing plan expenses. We evaluate PBM contracts, carve-out opportunities, and specialty drug management strategies to bring spend under control.
What You Get with Triangle
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Annual benchmarking vs. CT & national market
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Employee education & open enrollment support
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Carrier negotiation at renewal & mid-year
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ACA compliance guidance included
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Claims data analysis & reporting
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Direct advisor access – always a real person
Our Process
Current Plan Audit
We review your existing coverage, costs, utilization, and renewal history to establish a baseline.
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Market Analysis
We benchmark your plan against comparable CT employers and run a full carrier market review.
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Custom Plan Design
We present 2–3 tailored options with clear trade-off analysis — cost, coverage, and employee impact.
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Ongoing Management
We stay involved year-round: renewal prep, claims questions, mid-year changes, and employee support.
Common Questions
We serve employers from 1 to 5,000+ employees. Our approach is the same regardless of size – you get a named advisor and direct acccess to our team.
Level-funded plans have a fixed monthly payment – predictable like fully-insured, but unused claims funds are returned at year end. Self-funded plans pay actual claims directly and carry more risk, but more upside for healthy groups.
The renewal process is ongoing – never the week before. This gives us time to properly market your plan, negotiate with carriers, and present options without rushed decisions.
Yes. We can layer advisory and negotiation support on top of existing vendor relationships, or help you evaluate alternatives if a change makes sense.