Get the most from your health plan.  Get 100% coverage by adding Triada GAP+ covering deductibles and coinsurance.
Uses pretax purchase to have a net zero effect on most employee's paychecks.  Some employees even add benefits or have a little extra in their pay.   Have pretax purchase work for you!

Kirschbaum's Benefits

PPO and HMO option

Gap plan that pays your deductible and coinsurance

Gap+, Health Risk Management Monthly coaching providing claim reimbursement keeping your paycheck intact

Choose Blue Options BCO  Network

Choose Blue Precision HMONetwork

Plan Choice and Common Reasons​

• PPO Provides freedom of medical provider choice within a network NOTE: The Options PPO provides better benefits in a small network with the option to use a larger network at more cost.

• HMO Provides rich benefits, must select a Primary Care Doctor and obtain referrals for medical services.

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Triada Benefits

PPO enrollees only; Triada is many plans in one.  It is a GAP supplement covering your deductible and coinsurance at 100%.  Triada offers additional insurance like accident, critical illness, and life insurance.  Triada is a wellness, health risk management program keeping employees healthy creating the gppd risk that makes many of these benefits have $0 cost per paycheck!
Triada requires a minimum of 5 employees to join to activate the program.  The program leverages pre tax purchase and claim reimbursement to provide 100% coverage.  See enrollment platform movie below to see how plan works.  Ask your employer to offer Triada.