The 90 Degree Benefits Difference

90 Degree Benefits is a health benefits company with a mission: to help employers Make the Right Turn for their business through strategically crafted benefit offerings. With every business being unique, no path to success looks the same. 90 Degree Benefits designs health plans and administers benefits that meet each employer’s unique health and operational needs, both now and for the road ahead.

We believe the right health plan does more than just provide benefits. It provides peace of mind for both employees and employers and contributes to the overall success of the organization. The 90 Degree Benefits vision is to help each employer Make the Right Turn for their business.

The 90 Degree Benefits family has 24 offices
serving 525,000 members nationwide.


For a list of regional offices...

Texas & Arizona

Caprock HealthPlans (Texas & Arizona) is a Texas based Third Party Administrator formed in June of 2000. It offers turnkey self-funded health plan administration and reporting in a multi-faceted model with real time transaction reporting. Their focus is on helping employers manage long-term health care costs through driving member behavior change, creating healthier consumers, and incorporating highly effective cost containment strategies.

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Corporate Benefits Service, Inc. (North Carolina), founded in 1947, is a health care benefit plan asset manager for self-funded employer plan sponsors. CBS employs a fully integrated, comprehensive medical risk management program that improves health care outcomes for plan participants and significantly reduces claim cost for employer clients. Both utilization of healthcare services and cost per clinical diagnosis are well below norms. By integrating claims and clinical management, CBS measures group plan healthcare dynamics then establishes a client specific strategy to improve results.

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North Carolina

Covenant Administrators (Georgia) is a healthcare risk management practice established in 1992 and specializes in comprehensive third party administration services, results-based risk management strategies, funding, and plan management. This is accomplished through our data analytics/data mining, member advocacy and lifestyle management techniques. Each are provided on a wholly integrated delivery model coupled with the highest level of personalized and flexible customer service from dedicated and seasoned professionals. Covenant Administrators is committed to the satisfaction and success of our clients and brokers––by helping organizations with self-funded benefit plans to achieve the best possible health and financial outcomes.

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EBSO (Wisconsin) is a national full-service Third Party Administrator (TPA) established in 1987, with offices in Minnesota, Wisconsin, Iowa, Ohio, Arizona and Kentucky. Employing over 100 employees, EBSO manages all aspects of employee benefits programs for over 100,000 plan members. EBSO’s clients are employer groups, cooperatives and large insurance companies and their core focus is their clients’ bottom line. EBSO’s products and services touch every type of benefit plan an employer, carrier or consultant may have. They are experts at providing meaningful and actionable multi-year strategies for the ever-changing world of employee benefits.

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Entrust (Texas) was established as a benefits administrator in 1975 and is uniquely positioned in the healthcare industry; their technical expertise spans a compilation of legal, analytic, actuarial and experiential areas related to health plan benefit design, implementation and operation. An established industry leader, Entrust guides businesses of all sizes through today’s complex challenges including direct provider contracts, reference based benefit designs, statewide and federal legislation, and patient care initiatives.

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HealthCare Solutions Group (Oklahoma), founded in 1978, is a Third Party Administrator that provides administrative services for self-funded employer health plans. HSG prioritizes outstanding customer service and offers innovative approaches to plan design, cost reduction and risk management. We’re focused on lowering health care costs for our employer partners with the ultimate goal of delivering high-quality health care to employees.

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IMA, Inc. (Louisiana) is a Third Party Administrator established in 1982 by a team of experienced insurance professionals to provide a complete range of products, consulting, and management services to employers, employees and the insurance brokerage community. Our efforts are driven by our clients’ needs and objectives—our desire is to help our clients keep pace with employee benefit developments.

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Lockard & Williams (Mississippi) is a Third Party Administrator established in 1990 by a team of experienced and dedicated insurance professionals. We offer limitless plan designs for self-funded and fully insured companies and provide timely management of meaningful information to help our clients realize significant savings. We watch trends, shape legislation through direct input and analyze issues that affect employee benefits today and in the future.

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Pennsylvania & Tennessee

Managed Care of America (Pennsylvania & Tennessee) is a Third Party Administrator that provides comprehensive administrative and benefits guidance to employers and their employees. MCA expertly handles the operational needs of providing self-funded benefits and is committed to ensuring stability for clients in today’s rapidly changing healthcare environment. As Health Risk Specialists, MCA helps employers achieve the balance necessary to responsibly control medical costs while maintaining the stewardship of employee health and welfare.

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Self Insured Plans (Florida) is a health benefits administrator founded in 1995 in Naples, Florida and specializes in healthcare plan design, product integration and claims administration for companies of all sizes, in both single and multiple locations. SIP is dedicated to exceeding customer expectations in providing administrative services, innovative managed care programs and customized employee benefit solutions for employers who self-fund their health benefit plans.

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Stirling Benefits (Connecticut) is a Third Party Administrator founded in 1973. An established industry expert, Stirling Benefits guides clients through complex compliance issues, risk management, creative benefit design and healthcare reform issues with the goal of positively impacting employee health. By focusing on better health outcomes, Stirling Benefits is able to design products and services that prioritize health and cost efficiency for better benefits that improve long term productivity, retention and profitability.

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Total Plan Services, Inc. (Texas) is a full-service Third Party Administrator founded in 1984. TPS administers self-funded and fully insured plans with extensive health programs that include claims and reporting services and cost containment solutions. Our team of experts is focused on managing health care costs and maintaining the highest standards of customer service the industry has to offer.

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Our Mission Statement:
We serve our customers through collaborative and courageous actions in order to exceed expectations and continually strive for the best outcomes for employers and their employees.

Our Vision Statement:
To be a distinguished leader in the TPA industry, differentiating ourselves with benefit solutions for our clients' continued success.