Provided by A&H Group

MedPlus

Group Supplemental Health Insurance.

Why Employers Choose MedPlus

Employers are facing rising healthcare costs every year. MedPlus provides a practical strategy to help control benefit expenses while preserving valuable employee protection. With MedPlus, employers can:

  • Reduce overall healthcare plan costs
  • Transition to higher-deductible health plans more comfortably
  • Improve employee financial protection
  • Offer predictable composite-rated premiums
  • Maintain competitive benefits packages
  • Support employee recruitment and retention

Unlike many traditional medical gap products, MedPlus is designed around the employer’s primary health plan, creating a coordinated benefit experience rather than a one-size-fits-all solution.

 





How MedPlus Works

MedPlus complements a group’s primary medical plan.

When covered employees receive eligible medical services, MedPlus helps pay a portion of the expenses that would otherwise become the employee’s responsibility under the major medical plan.

The result is a coordinated approach that helps:

  • Lower employee deductibles
  • Reduce out-of-pocket expenses
  • Provide consistent inpatient and outpatient protection
  • Help employees access care with greater confidence

Benefits are paid directly to healthcare providers, eliminating the need for employees to wait for reimbursement.

Make High-Deductible Health Plans Work Better

MedPlus is employer-sponsored secondary medical coverage designed to work alongside a group’s primary health plan. By pairing MedPlus with a high-deductible health plan, employers may reduce healthcare costs while helping employees manage deductibles, coinsurance, copays, and other out-of-pocket medical expenses.

Whether you’re looking for a smarter alternative to traditional rich health plans or a better option than standard gap coverage, MedPlus helps employers provide meaningful protection without sacrificing affordability.

What Makes MedPlus Different?

Many traditional gap products create confusion through limited coverage designs, age-banded rates, and inconsistent benefits. MedPlus was developed to address those challenges.
 
Designed Around the Primary Medical Plan
Coverage is tailored to complement the employer’s health insurance plan rather than forcing groups into a generic benefit structure.
 
Consistent Coverage
Inpatient and outpatient benefits work together to create a more comprehensive benefit experience.
 
Composite Rating
One composite rate structure simplifies administration and budgeting.
 
Direct Provider Payment
Benefits are paid directly to healthcare providers, reducing complexity for members.
 
Employer Focused
Available to groups with as few as five enrolled employees and designed specifically for employer-sponsored benefit programs.

Request a Quote

To receive a customized MedPlus proposal, send the following information to [email protected]:
  • Detailed employee census in Excel format
  • Current medical plan summary of benefits and rates
  • Renewal rates for the existing medical plan
  • Alternative high-deductible health plan options, if available
  • Current supplemental medical coverage information, if applicable
Our underwriting team will evaluate your plan design and develop a solution tailored to your group’s needs.
 
Get in touch
Julie Dollar
Julie Dollar

Senior Vice President, MedPlus

Jeremy Avant
Jeremy Avant

Vice President, Underwriting

Payne Dearman
Payne Dearman

Vice President, Sales & Business Development

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Head Office:

1800 International Park, Suite 105
Birmingham, AL 35243

Julie Dollar
Julie Dollar

Senior Vice President, MedPlus

Jeremy Avant
Jeremy Avant

Vice President, Underwriting

Payne Dearman
Payne Dearman

Vice President, Sales & Business Development

why choose tmhcc

Why choose Tokio Marine HCC?

With 4,400 employees worldwide, Tokio Marine HCC (TMHCC) underwrites more than 100 specialty insurance products across over 180 countries and territories, making it one of the world’s leading specialty insurers.

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Not all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.

HCC Life Insurance Company operating as Tokio Marine HCC - A&H Group