TPA Services


Discover the advantage of partnering with Wholesure for your insurance benefits needs. We specialize in offering an array of third-party administration services, including COBRA, Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), and Health Reimbursement Arrangements (HRA). Our solutions are crafted to deliver seamless management and unparalleled support, ensuring your business stays compliant with current regulations while enhancing the benefits experience for your employees. Wholesure is dedicated to precision and personalized service, providing the tools and insights necessary to optimize your health benefit offerings.

Lifestyle Benefit Plans administered by TAG are reimbursement programs designed to encourage employees to maintain an active, healthy lifestyle. Employers simply choose who is eligible to participate, what is considered an eligible expense and how much each employee is eligible to receive, and TAG handles the rest. 

Design your plan any way you wish. You choose how much to contribute, who is eligible to participate and what health & lifestyle activities are eligible for reimbursement: Gym / Health Club Memberships, Fitness and Nutrition Counseling, Sports leagues or team fees, Yoga, pilates or meditation programs, Weight loss or smoking cessation programs.

Why Offer Lifestyle Benefits?

  • ATTRACT & RETAIN KEY EMPLOYEES
    • Attracting and retaining talent is a challenge for many employers. A properly managed Lifestyle Benefits plan can set your organization apart.
  • INCREASE EMPLOYEE PRODUCTION
    • By nature, your plan promotes an active lifestyle; active employees are healthy, and healthy employees are productive.
  • REDUCE HEALTH INSURANCE COSTS
    • Check with your health insurance provider, they may offer savings linked to the overall health of your employees. Cross-Border Support

In 1986, congress established the Consolidated Omnibus Budget Reconciliation Act, better known as COBRA. The act was designed to protect individuals and families from losing the opportunity to maintain group health coverage in the event of a qualifying change of employment. In turn, this act places a great amount of liability upon employers to properly notify eligible participants and to maintain enforced policies when eligible employees experience a Qualifying Event.

  • COMPLETE COBRA ADMINISTRATION
    Outsourcing the duties involved with properly adhering to federal COBRA requirements is easy and affordable. TAG will act as your Third Party Administrator (TPA) and assumes all responsibility for handling your COBRA needs:
    • Establish your customized COBRA account in our system
    • Manage and service existing COBRA participants
    • Send, track and record qualifying events and initial notices
    • Process all new COBRA elections
    • Bill, collect, process, and remit premiums to employer and/or carrier(s)
    • Direct carrier correspondence and premium remittance
    • Manage participant open enrollment communications and enrollment
    • Process terminations including notifying carriers and sending termination notices
    • Send, track and record HIPAA certificates of coverage
    • Maintain documentation of all correspondence sent to qualified beneficiaries
    • Submit monthly reports to the employer
    • Employer web portal with live updates to view comprehensive account activity
    • Track and implement new requirements for federal and state COBRA compliance
  • DEDICATED ACCOUNT SERVICE MANAGERS
    Your dedicated account service manager(s) are certified COBRA specialists responsible for maintaining the administrative duties involved with COBRA. Experienced, professional representation when managing your COBRA compliance and administration is a staple of our complete COBRA solution.

You may use the money in your Health Savings Account (HSA) for eligible healthcare expenses and to help pay for costs associated with a qualifying high-deductible health plan (HDHP). Each paycheck, you elect to set aside a portion of your pay, before taxes, to be deposited into your health savings account. Since the money used to fund the account isn’t taxed, you can save 25% to 40% on healthcare related purchases. 

  • ADDED BENEFITS OF HEALTH SAVINGS ACCOUNTS
    • HSA’s offer more than just a convenient, tax-free way to offset high-deductibles. Since the money in your HSA rolls over from year to year, participant’s can use HSA’s as a retirement savings vehicles with active investments funded by tax-free contributions. Furthermore, the interest income you earn on qualifying investments is tax-deferred. 
  • USING A HEALTH SAVINGS ACCOUNT IS EASY 
    • When you enroll in a Health Savings Account, you determine the contributions you would like to make throughout the plan year. As contributions are deducted from your paychecks, the money is deposited into your HSA and is available to use for eligible expenses: Using your HSA is easy: 
      • HSA SmartCard DEBIT CARDS: Use it instead of cash for all of your HSA eligible purchases.
      • TRANSFER MONEY: Transfer money directly from your HSA to your personal checking or savings account.
      • MOBILE APP: Use the TAG Benefit Center mobile app to access and view your account information. 

Participants use the money in their TAG flexible spending account(s) for all eligible health and dependent care expenses. Each paycheck, participants elect to set aside a portion of pay, before taxes, to use for eligible health and/or dependent care expenses. Since the money used to fund the program isn’t taxed, you save between 25% and 40% on every purchase. If, for example, you spend $200 a month on health and dependent care expenses, you can save up to $80 a month ($960 a year) with the program.

  • EXPENSES AN FSA CAN HELP PAY FOR
    The great thing about flexible spending accounts is that they cover most medically related expenses that are not already covered by insurance. The simple rule is that if you have medical
    expenses not covered by insurance, you can save up to 40%.
    • Rx, Deductibles, copays, OTC medicines
    • Vision, dental, orthodontia
    • Chiropractic, massage, physical therapy
    • Child/dependent care
  • USING A FLEXIBLE SPENDING ACCOUNT IS EASY
    When employees sign up for the program they determine the amount of health or dependent care expenses they would like deducted each pay period. As the amount is deducted from each paycheck, the money is put into their account and is available to use for eligible expenses. Accessing account funds is easy:
    • FSA SmartCard DEBIT CARD: Use it instead of cash at most medical providers and pharmacies.
    • REIMBURSEMENT REQUEST: File a claim online, by fax or mail for reimbursement.
    • MOBILE APP: Use our mobile website to view your account information.