Products & Services

Control costs while delivering employee benefits.

Varipro works with insurance agents and employers as a third party administrator (TPA) of employee and retiree benefits. Let’s start our relationship with a custom plan, tailor made for your organization. Varipro can deliver a cost analysis and plan recommendation that agents, brokers, CFOs, HR, administrators, employees, and retirees can all appreciate.

Medical Administration
Claims Administrator +

As a full service third party administrator, Varipro pays claims on behalf of your organization.

Stop-Loss Administration (Reinsurance) +

A self-funded employer will only want to assume a tolerable amount of risk. The balance of risk can be transferred to a stop-loss reinsurance policy. This helps guard against the unknown. Varipro offers deep knowledge and insights of the stop loss markets. We can help you through the often confusing process of securing stop loss coverage. Varipro maintains longstanding relationships with National (US) reinsurance carriers with the highest ratings and reliability. Many levels of Specific and Aggregate coverage are available depending on your business needs, claim history, and risk tolerance levels. Get a competitive rate for your group.

Provider Network +

Varipro offers access to national and regional PPO networks. Contact us to determine the best fit for your employees

Prescription Drug Plan Administration +

Let’s work together to design a prescription drug program that makes sense for both employers and employees. Varipro offers competitive pricing, flexible plan designs, and access to a broad network of retail pharmacies and mail service programs.

Utilization Review + Case Management + Disease Management +

Varipro offers triple URAC accredited programs. These programs meet the clinical needs of clients and their employees. Varipro programs also perform cost containment in support of the plan.

Reference Based Pricing
Wellness Program Administration +

Varipro offers a variety of wellness programs, including initial health assessments and ongoing result reporting customized to client needs and preferences. We employ tools that inspire healthy lifestyles.

High Deductible Health Plans (HDHP)
Retiree Self-Funded Medical +

Purchasing a plan with a higher deductible can reduce premium costs. By self-funding the risk of a higher deductible, employers gain savings from lower premium costs and lower member utilization.

Retiree Billing Services
Retiree Customer Service Center +

Dedicated customer service representatives help retirees navigate their benefits with fast, friendly, and personalized service.

Individual Premium Billing +

Varipro offers retiree premium billings on a consolidated group or individual basis.

Insured Medical and Prescription Drug Plans (for pre- and post-65 retirees) +

Through our affiliations, Varipro allow employers to offer quality benefit plans to retirees, including:
● Medicare Supplement Plans
● Medicare Advantage Prescription Drug Plans
● Medicare D Prescription Plan Services

Self-Funded Dental, Vision, and Hearing Plans +

Varipro offers plans to bolster your company’s retiree offering.

Ancillary Administration
Dental +

Varipro offers traditional dental plans. You can also choose from a variety of PPO network plans that generate savings for both the employer and employee.

Vision +

Varipro offers traditional vision plans. You can also choose from a variety of PPO network plans that generate savings for both the employer and employee.

Hearing Discount Programs
Life Insurance +

Varipro maintains affiliations with top-rated life insurance carriers. Employers receive competitive pricing. Employees receive peace of mind with high quality programs that protect their families.

Flexible Spending Accounts (Flex) +

Varipro administers Section 125 Flex plans with quick and accurate reimbursements.Employers can request debit cards for ease of administration. Employees receive an accounting with each reimbursement. Employees will appreciate both online and mobile app access to their Flex spending accounts. Employers see the balance in the account, money spent, and remaining pledge.

Long Term Disability
Short Term Disability +

Protect your employees’ wages when a disability prevents them from working. Short Term Disability pays a percentage of wages until employees can go back to their jobs. Varipro helps protect your Short Term Disability dollars while assuring income replacement for your employees.

Health Reimbursement Arrangements (HRA) +

A Health Reimbursement Arrangement (HRA) can help an employer reduce health insurance premiums by implementing a higher deductible health plan. It can also help employees reduce their out-of-pocket costs.

Unlike a Flex account, employers fund and own their own HRA accounts. Employees receive tax-free reimbursements from this fund for qualified medical expenses, up to a fixed dollar amount per year.

Varipro can help you weigh your options against your business objectives. Varipro can help employers administer an HRA account and maintain compliance with IRS regulations.

Billing + Administration Services
COBRA Administration +

The Consolidated Omnibus Budget Reconciliation Act (COBRA) can be a difficult responsibility for employers to administer. Varipro has the resources to perform your COBRA duties, in full compliance with the Act. Varipro will transfer current COBRA participants for the remainder of their continuation period, catch up and continue Initial Notice requirements, and provide complete COBRA administration following a qualifying event.

Plan Document Writing Services
Enrollment and Eligibility
Consolidated billing for all employee benefits
Managed care and savings reports
Call system data analysis
IRS form 1094/1095 data formatting
Government compliance and report filings
Discrimination testing
Varipro Special Features
Dedicated Account Manager
Benefit and Educational Seminars
Employee Enrollment Sessions
Retiree Enrollment Sessions
Stop-Loss Carrier Negotiation
Benefit Analysis and Recommendation
Partnerships
Varipro partners with national PPO networks, RX vendors, Medicare Supplement carriers, and other high value service providers. This assures wide provider participation and deep discounts for plan participants. Varipro also maintains business relationships with national reinsurance (stop loss) carriers. These relationships let us negotiate competitive underwriting rates and excellent service for our clients.
PPO (Preferred Provider Organization) +

● Cofinity
● First Health
● MultiPlan/PHCS
● Dentemax (Dental PPO)
● VSP (Vision Service Plans)
● Other regional PPOs

Prescription Benefit Management +

● 4D/Magellan Rx
● CVS/Caremark
● EHIM
● Express Scripts
● SilverScript
● WellDyne Rx

Retiree Services +

● Hartford
● Humana
● TransAmerica
● United American

Value Added Services +

● Health Care Blue Book
● MedWatch
● Medtipster
● Planwatch
● TelaDoc
● UCS (United Claim Solutions)