Frequently Asked Questions
STRAIGHT ANSWERS. CLEAR GUIDANCE.
Benefits decisions carry weight. Questions are natural.
Below you'll find clear, straightforward answers to the questions we're most often asked. If you don't see yours here, reach out. You'll speak with a real person who listens carefully and responds clearly.
For Employers
What types of benefits do you help businesses implement?
We design comprehensive benefits strategies tailored to your organization. Depending on your goals, this may include Major Medical plans, Direct Primary Care, Dental and Vision coverage, Basic and Voluntary Life Insurance, Short-Term and Long-Term Disability, Worksite Benefits, Telehealth solutions, COBRA administration, and coordination with 401(k) plans. We also support Flexible Spending Accounts, Health Reimbursement Arrangements, and Health Savings Accounts, along with benefits administration technology to simplify enrollment and reporting. Each element is structured within your broader Navigation Plan so everything works together thoughtfully.
Do you work with fully funded, level-funded, and self-funded plans?
Yes. We guide businesses through Fully Funded, Level-Funded, and Self-Funded options depending on size, risk tolerance, and long-term strategy. We walk through the advantages and considerations of each model so you can make an informed decision with clarity.
Do you provide compliance and administrative support?
Yes. Healthcare regulations continue to evolve, and compliance should feel structured, not overwhelming. We provide guidance, compliance support tools, COBRA administration coordination, and benefits administration technology to help you stay organized and protected.
Can you help us evaluate our current benefits plan?
Yes. Through a Custom Benefits Review, we evaluate your current structure, identify strengths and vulnerabilities, and provide strategic recommendations aligned with your goals. You’ll leave with clarity and defined next steps.
Get a Custom Benefits ReviewWhat size companies do you typically support?
We primarily serve small to mid-sized businesses that value relational partnership and long-term strategy. If you care deeply about your people and want to build benefits intentionally, you’re likely a strong fit.
For Medicare
What Medicare services do you provide?
We guide individuals through Medicare enrollment, plan selection, coordination with existing coverage, and ongoing questions after enrollment. Our approach is education-first and personalized to your situation. Our agents can provide you with supplemental Medicare plans for Original Medicare, Medicare Part C (Medicare Advantage Plans), and Medicare Part D Plans (Prescription Drug Plans).
Will I speak with a real person?
Yes. When you contact ThirdWave Benefits, you speak directly with a knowledgeable advisor who listens first and explains your options clearly.
Do you charge for Medicare guidance?
In most cases, there is no direct cost to you for Medicare plan guidance. We explain how compensation works so you feel fully informed.
What if I have questions after enrollment?
You can still call us. Our relationship does not end after enrollment. If your needs change or questions arise, we remain available to guide you.
Talk to a Medicare advisorDo you only work with businesses?
No. While employer group benefits are our primary focus, we also support individuals referred through client and community relationships who need clear, personalized guidance.
Can you coordinate benefits beyond health insurance?
Yes. We help structure and coordinate supporting benefits such as life insurance, disability coverage, worksite benefits, and 401(k) alignment so your overall strategy feels cohesive.
Still Have Questions?
If you don't see your question here, reach out.
When you contact ThirdWave Benefits, you'll speak with a real person who listens carefully and helps you understand your next step.