Services
From concept to implementation — and everything after.
We review your products, customer segments, state requirements, and marketing strategy, then coordinate the carriers, TPAs, enrollment firms, and distributors it takes to bring a program to market and keep it compliant while it grows.
Distribution & Growth
We connect and pair partners aligned by appetite — risk, market segments, compliance navigation, and growth goals — expanding reach and strengthening program performance.
Lead Generation & Distribution
We conduct a comprehensive review of your products, customer segments, state requirements, and marketing strategies and then we will provide clear and concise suggestions to enhance distribution and profitability results.
Efficient Implementation
We coordinate carriers, TPAs, enrollment firms, and distributors so programs launch smoothly, with defined workflows and clear accountability.
Compliance
Our oversight of contracting, implementations, product development, marketing and sales practices, regulatory compliance, and establishing best practices in Accident & Health distribution management will keep all parties safe, secure, and compliant.
Program Optimization
We monitor performance, analyze utilization and claims trends, and refine products and workflows to support longterm growth.
Program Design
Our decades of carrier-side expertise, distribution insight, and program-building discipline power partnerships spanning leading insurers, TPAs, and distribution organizations — supported by a track record of building programs that scale and endure.
We evaluate your market, customer segments, regulatory needs, and distribution model to shape a strategy and game plan to fit your unique situation and together determine the definition of measurable value.
Products
Some available products:
Supplemental Gap Medical
Supplemental Gap Medical
Rising premiums, deductibles, and copays mean even comprehensive health insurance often leaves people struggling with out-of-pocket costs. Supplemental Gap Medical Insurance helps bridge that gap by covering inpatient and outpatient expenses that fall under an employee’s unmet deductible or co-insurance, so employers can offer a higher-deductible primary plan to save on overall healthcare costs while still providing employees with similar or better coverage.
Hospital Indemnity
Hospital Indemnity
Because health insurance rarely covers the full cost of medical expenses, Hospital Indemnity Insurance pays a fixed cash benefit directly to the insured due to hospitalization for a covered accident or sickness, which can be used for medical bills, everyday expenses, or lost income. Plans can be customized with added benefits for emergency room visits, doctor visits, lab tests, X-rays, surgeries and much more.
Accident Medical Expense
Accident Medical Expense
Injuries from everyday events like sports or car accidents can bring sudden expenses such as emergency room visits, x-rays, hospital stays, and follow-up care that a major medical plan may not fully cover. Accident Medical Expense reimburses those out-of-pocket expenses for treatment after an accident, including copays, deductibles, and co-insurance.
Accidental Death & Dismemberment
Accidental Death & Dismemberment
Accidents can happen without warning, and a fatal or life-altering injury can leave individuals and their families facing serious financial strain. Accidental Death & Dismemberment (AD&D) coverage pays a lump sum benefit if a covered person dies or suffers a covered loss, such as the loss of a limb, sight, speech, or hearing, as the result of an accident.
Critical Illness
Critical Illness
A serious diagnosis like cancer, heart attack, or stroke can bring costs that go well beyond what major medical insurance covers, from deductibles and travel for treatment to lost income during recovery. Critical Illness Insurance pays a lump-sum benefit directly to the insured upon diagnosis of a covered condition outlined in the policy, and the money can be used however they choose, whether for medical bills, household expenses, or other needs.
Short Term Disability
Short Term Disability
An illness, injury, or surgery that keeps someone out of work, even for a few weeks, can quickly strain a household budget when paychecks stop. Short-Term Disability Insurance replaces a portion of an employee’s income, typically for several weeks up to a few months, when a covered illness or injury prevents them from working. With benefits paid directly to the employee, it helps cover everyday expenses like rent, groceries, and bills so they can focus on recovery rather than finances.
Dental and Vision
Dental and Vision
Routine dental and eye care are essential to overall health, but costs for cleanings, fillings, eye exams, and glasses or contacts can add up quickly and are often not covered by major medical plans. Dental and vision coverage helps employees manage these expenses by covering preventive care like checkups and exams, along with a portion of costs for services such as fillings, crowns, frames, and lenses.
Urgent Care Network
Urgent Care Network
Everyday medical needs like a sore throat, sprain, or minor infection shouldn’t send employees to the costly emergency room or leave them avoiding care altogether. Coverage that includes Urgent Care Networks focuses on the everyday and urgent medical care needs of insureds, providing low flat-rate in-network urgent care and retail clinic visits, and no annual deductibles.
Third Party Administration
Third Party Administration
Managing insurance programs involves a lot of behind-the-scenes work, from enrollment and eligibility tracking to claims processing and compliance, which can strain an insurance company's internal resources. A third-party administrator (TPA) handles these day-to-day functions on the insurance company's behalf, processing claims, managing enrollment and billing, answering member questions, and helping keep the plan compliant with regulations. Catalyst A&H can help match insurance companies with the most appropriate third-party administrators based on their needs.
Commission Financing
Commission Financing
Insurance agents and agencies often wait months or even years to collect the full value of the commissions they’ve earned, which can make it hard to cover operating costs, invest in growth, or bring on new staff. Commission financing solves this by advancing agents a portion of their expected or future commissions upfront, with the advance repaid as the commissions are paid out by the insurance company. This gives agents and agencies steady cash flow and the flexibility to grow their business without waiting on payment cycles or taking on traditional bank loans. Catalyst A&H can help connect agents and agencies with companies that specialize in Commission Financing.
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