To Ternian, value-driven means expanding on the healthcare consumerism movement and realizing that one size does not fit all for an individual’s insurance coverage needs.

Core healthcare plans have undergone steady and progressive change over the past several years. And the movement to consumerism has created new gaps in insurance coverage for individuals.

The time has come for voluntary employee benefit plans to consider those changes in core benefits and provide complementary programs to meet the real needs of employees. The time has come for the voluntary marketplace to evolve into a consumer-driven and value-based model. The time has come for Ternian Insurance Group to initiate that change…

Ternian will drive value in our products and services by:

• Understanding the real needs of uninsured and underinsured individuals
• Providing unique choices and alternatives to meet their different lifestyle needs
• Considering income restraints and affordability
• Insuring benefit levels provide value for their hard earned dollar
• Giving access to relevant and meaningful consumer information
• Offering a direct delivery system for simplified, online administration

These are the building blocks and foundation of our value-driven, Direct Voluntary Benefits.