Skip to main content
SSGI Benefits — home

Carrier and plan insights

Compare carriers and plan options

SSGI maintains broad carrier access across its principal markets and direct appointments with the insurance carriers it represents, including major medical, ancillary, voluntary, life, disability, and Medicare Supplement markets. Laura Decker's guides explain what makes the options different. Appointment creates access, not an automatic recommendation.

How to compare carriersFind a carrier or benefits partner
Independent review method

How SSGI reads a carrier proposal

Carrier access creates choice; it does not create a recommendation. SSGI uses the same evidence-based framework for every finalist.

  • Employee geography before carrier reputation

    We test employee and dependent locations, provider patterns, commute corridors, travel, and out-of-area needs against the exact network quoted.

  • Exact network before brand name

    A carrier can operate several networks, funding structures, and legal entities. Provider access and contract terms belong to the proposal—not the logo.

  • Trade-offs instead of rankings

    Each profile explains where a carrier model may fit and where it can create friction. No carrier is labeled universally best.

  • Current-year verification

    Products, networks, service areas, formularies, underwriting, and plan rules change. Every recommendation is rechecked for the proposed effective date.

Search the carrier directory

Type a carrier, partner, or topic to narrow the list below, or filter by category. Matching is case-insensitive and ignores extra spaces. Nothing you type here is saved or sent anywhere.

Filtering is loading. Browse the carrier links below.
Agency-confirmed August 2026

Direct carrier appointments, clearly separated from general agencies

SSGI maintains direct appointments with the insurance carriers it represents. Appointment creates access to evaluate and place eligible coverage; it does not make any carrier an automatic recommendation. Carrier and product availability varies by state, service area, employer, group size, participation, underwriting, and effective date.

This is a representative—not exhaustive—list. SSGI works with many other carriers and benefits-market partners based on the employer, state, product, group size, underwriting, and effective date.

Medical · Self-funded · Stop-loss

Medical, self-funded, and stop-loss

Direct relationships across SSGI's principal employer markets, including fully insured, level-funded, self-funded, and stop-loss arrangements. The exact network, product, service area, funding arrangement, and effective-date rules still control availability.

  • CareFirst BlueCross BlueShield
  • Kaiser Permanente Mid-Atlantic
  • UnitedHealthcare
  • Aetna
  • Cigna Healthcare
  • Anthem Blue Cross and Blue Shield
  • Sentara Health Plans
  • Highmark Blue Cross Blue Shield Delaware
  • Highmark Blue Shield (Central Pennsylvania)
  • Independence Blue Cross
  • Capital Blue Cross
  • UPMC Health Plan
  • Geisinger Health Plan
  • Horizon Blue Cross Blue Shield of New Jersey
  • AmeriHealth New Jersey
  • Oxford Health Plans
  • IMG (International Medical Group)
  • Pacific Life
Dental & Vision

Dental and vision

Direct relationships used to compare dental and vision networks, plan design, orthodontia, waiting periods, exam and lens allowances, and claims when those products fit the employer's workforce and plan design.

  • Guardian
  • VSP Vision Care
  • United Concordia Dental
  • Dominion National
  • Versant Health
  • Dearborn Group
Life · Disability · Voluntary · Supplemental · Specialty

Life, disability, voluntary, supplemental, and specialty

Direct relationships used to compare life, AD&D, short- and long-term disability, voluntary and worksite, accident, critical illness, hospital indemnity, and other supplemental options when those products fit the employer's workforce and plan design.

  • The Hartford
  • Mutual of Omaha
  • Principal
  • Humana
  • Sun Life
  • MetLife
  • Trustmark
  • Aflac
  • Companion Life Insurance Company
  • Bankers Life
  • Lincoln Financial Group
  • Reliance Standard
  • Unum

Category placement is for navigation only and is not a limitation on a carrier's products. A carrier may span products without duplicate cards.

Benefits and market-access partners

Additional support where appropriate

The organizations below are benefits and market-access partners—not insurance carriers. SSGI may use these relationships where appropriate while maintaining direct carrier appointments. The precise role varies by case and product; none of these organizations endorses SSGI.

General-agency and wholesale relationships

Wholesale and general agencies that support market placement, quoting workflow, and case support where appropriate.

CRC Benefits
Wholesale general agency
Used where appropriate for market placement, quoting workflow, and case support.
Emerson Rogers
General agency
Used where appropriate for market placement, quoting workflow, and case support.
Amwins
Wholesale general agency
Used where appropriate for market placement, quoting workflow, and case support.

Benefits, administration, network, and market-access relationships

Other benefits, administration, network, or market-access relationships used where appropriate. The precise role varies by case and product.

Benecon
Benefits and administration
Used where appropriate for benefits administration and market access.
Careington Benefits Solutions
Network and benefits solutions
Used where appropriate for network and benefits solutions.
Kelly Benefits
Benefits administration and market access
Used where appropriate for benefits administration and market access.

CRC Benefits and Emerson Rogers are general agencies—not insurance carriers. SSGI may use these relationships where appropriate while maintaining direct carrier appointments.

Laura's carrier library

Employer carrier guides by market

Each article is a substantive profile with current official carrier sources, plan-level questions, local-market context, and a reviewed date. Carrier names and trademarks belong to their respective owners; no endorsement or sponsorship is implied.

Maryland, Washington DC, and Northern Virginia

Regional carrier models and the most common Maryland employer comparison.

National and multi-state employer carriers

National reach still needs local provider, network, funding, and administration testing.

Virginia

Virginia service areas differ between the Washington suburbs and the rest of the Commonwealth.

Pennsylvania and Delaware

Regional Blue and health-system carriers require county-level network and service-area analysis.

New Jersey

Local carrier networks must also account for New York and Philadelphia commuting and provider patterns.

Medicare Supplement reference

Medigap carriers across Maryland, Virginia, DC, Pennsylvania, Delaware, and New Jersey

This reference roster includes legal underwriting companies and consumer-facing brands across six jurisdictions, grouping duplicate pricing books so one carrier is not mistaken for several. Laura confirms SSGI's current appointment for the specific carrier, state and product before advising on an application. ZIP code, plan letter, eligibility, underwriting and effective date control actual availability.

What the review compares

Within the same standardized plan letter, the core benefits are generally the same. Laura's review therefore concentrates on the carrier and policy facts that can actually change the decision.

  • Premium and rating method, including how rates may change over time
  • Household or other permitted discounts and the exact eligibility rules
  • Open-enrollment, guaranteed-issue, birthday-rule, and underwriting facts
  • The legal underwriting company and the specific pricing or eligibility book
  • Application, policy-delivery, billing, service, and escalation experience
  • Any permitted innovative or extra services, kept separate from the standardized core benefits

A carrier appointment allows SSGI to evaluate and place an eligible policy, but it does not mean every carrier offers every plan letter, rating book, discount, or underwriting path to every applicant. The lists below are dated evidence snapshots, not quotes—they should be rechecked whenever a person changes ZIP code, reaches a protected enrollment window, applies after open enrollment, or compares a different plan letter.

Review the Medicare and Medigap decision framework
Maryland25 regulator-listed companies · revised July 31, 2026

Maryland's official list identifies carriers with approved individual Medicare Supplement policies and the plan letters approved for each carrier. The names below preserve the legal entity or regulator-listed trade name.

  • Aetna Health Insurance Company
  • American Benefit Life Insurance Company
  • The EPIC Life Insurance Company
  • Erie Family Life Insurance Company
  • Everence Association, Inc.
  • Federal Life Insurance Company
  • First Care, Inc. (CareFirst MedPlus)
  • First Health Life and Health Insurance Company
  • GPM Health and Life Insurance Company
  • Guarantee Trust Life Insurance Company
  • HealthSpring National Health Insurance Company
  • Humana Benefit Plan of Illinois, Inc.
  • Insurance Company of North America
  • LifeShield National Insurance Company
  • Monitor Life Insurance Company of New York
  • Mutual of Omaha Insurance Company
  • Physicians Life Insurance Company
  • Plateau Insurance Company (Lumos Insurance)
  • State Farm Mutual Automobile Insurance Company
  • Tier One Insurance Company (Aflac)
  • Unified Life Insurance Company
  • United American Insurance Company
  • UnitedHealthcare Insurance Company (AARP Medicare Supplement)
  • USAA Life Insurance Company
  • Washington National Insurance Company

Official verification: Maryland Insurance Administration — Carriers with Approved Individual Medicare Supplement Policies. Exact policy availability must be confirmed for the applicant and effective date.

Virginia25 current carrier families · checked August 11, 2026

Virginia uses a live premium finder rather than one static all-company table. Repeated official policy searches were consolidated by carrier family so preferred, standard, innovative, and other pricing books do not make one carrier look like several. The live ZIP-code result controls.

  • AARP — UnitedHealthcare Insurance Company
  • Aflac
  • American Benefit Life Insurance Company
  • Anthem Blue Cross and Blue Shield — Virginia
  • Bankers Fidelity Assurance Company
  • Bankers Life (underwritten by Washington National Insurance Company)
  • CareFirst BlueChoice, Inc.
  • Continental Life Insurance Company of Brentwood, Tennessee (Aetna)
  • Erie Family Life Insurance Company
  • Everence Association, Inc.
  • GPM Health and Life Insurance Company
  • Guarantee Trust Life Insurance Company
  • HealthSpring National Health Insurance Company
  • Humana Health Insurance Company of Florida, Inc.
  • Insurance Company of North America
  • LifeShield National Insurance Company
  • MedMutual Protect
  • Medico Corp Insurance Company
  • Mutual of Omaha Insurance Company
  • Physicians Select Insurance Company
  • State Farm Mutual Automobile Insurance Company
  • USAA Life Insurance Company
  • United American Insurance Company
  • Wisconsin Physicians Service Insurance Corporation
  • WoodmenLife

Official verification: Virginia SCC — Medigap Premium Finder. Exact policy availability must be confirmed for the applicant and effective date.

Washington DC14 current carrier families · checked August 11, 2026

DISB warns that its static product table is not inclusive. This directory therefore groups the carrier families returned by current official Medicare policy searches in the District; standard, preferred, level, and substandard pricing books are not counted as separate carriers.

  • AARP — UnitedHealthcare Insurance Company
  • Aetna Health and Life Insurance Company
  • Bankers Fidelity Life Insurance Company
  • Bankers Life (underwritten by Washington National Insurance Company)
  • CareFirst of Maryland, Inc.
  • Humana Insurance Company
  • Insurance Company of North America
  • LifeShield National Insurance Company
  • Loyal American Life Insurance Company (Cigna)
  • Mutual of Omaha Insurance Company
  • Physicians Life Insurance Company
  • State Farm Mutual Automobile Insurance Company
  • USAA Life Insurance Company
  • United American Insurance Company

Official verification: DC DISB — Health Insurance Products Marketed in the District. Exact policy availability must be confirmed for the applicant and effective date.

Pennsylvania53 unique regulator-listed companies · revised March 31, 2026

Pennsylvania's official document separates individual Medicare Supplement companies from a group-only section. Duplicate legal entities are listed once below; the three companies appearing only in the group section are labeled accordingly.

  • Aetna Health Insurance Company
  • Atlantic Capital Life Assurance Company
  • American Benefit Life Insurance Company
  • Avalon Insurance Company
  • Bankers Fidelity Assurance Company
  • Capital Blue Cross / Capital Advantage Insurance Company
  • HealthSpring SM National Health Insurance Company
  • Cigna Insurance Company
  • Columbian Mutual Life Insurance Company
  • CompBenefits Insurance Company
  • The EPIC Life Insurance Company
  • Equitable National Life Insurance Company, Inc.
  • Erie Family Life Insurance Company
  • Everence Association, Inc.
  • Federal Life Insurance Company
  • First Health Life and Health Insurance Company
  • Garden State Life Insurance Company
  • Guarantee Trust Life Insurance Company
  • Heartland National Life Insurance Company
  • Highmark Blue Cross Blue Shield
  • Highmark Blue Shield
  • Humana Benefit Plan of Illinois, Inc.
  • Humana Insurance Company of Kentucky
  • Independence American Insurance Company
  • Independence Blue Cross
  • LifeShield National Insurance Company
  • Madison National Life Insurance Company, Inc.
  • ManhattanLife Insurance and Annuity Company
  • Marquette National Life Insurance Company
  • Medico Corp Life Insurance Company
  • Medico Life and Health Insurance Company
  • Monitor Life Insurance Company of New York
  • Nassau Life Insurance Company of Kansas
  • National Health Insurance Company
  • New Era Life Insurance Company of the Midwest
  • Order of United Commercial Travelers of America
  • Oxford Life Insurance Company
  • Puritan Life Insurance Company of America
  • QCC Insurance Company
  • Resource Life Insurance Company
  • Standard Security Life Insurance Company of New York
  • State Farm Mutual Automobile Insurance Company
  • Tier One Insurance Company
  • United American Insurance Company
  • United Insurance Company of America
  • United of Omaha Life Insurance Company
  • USAA Life Insurance Company
  • Washington National Insurance Company
  • Western United Life Assurance Company
  • World Corp Insurance
  • Transamerica Life Insurance Company — group Medicare Supplement
  • UnitedHealthcare Insurance Company (AARP members only) — group Medicare Supplement
  • UnitedHealthcare Insurance Company of America — group Medicare Supplement

Official verification: Pennsylvania Insurance Department — Medicare Supplement Available Plans. Exact policy availability must be confirmed for the applicant and effective date.

Delaware34 regulator-listed company or marketed-book entries · July 2026

Delaware lists companies with Medigap products approved for marketing. The Department lists separate Humana marketed books as separate entries; both are retained here. An approval or appointment does not mean every plan letter is open for every applicant.

  • Accendo Insurance Company
  • ACE Property and Casualty Insurance Company
  • Aetna Health Insurance Company
  • American Benefit Life Insurance Company
  • American Family Life Assurance Company (Aflac)
  • American Financial Security Life Insurance Company
  • American Retirement Life Insurance Company
  • Capitol Life Insurance Company
  • ELIPS Life Insurance Company
  • Emphesys Insurance Company
  • Everence Association, Inc.
  • First Health Life & Health Insurance Company
  • Highmark Blue Cross Blue Shield
  • Humana Insurance Company
  • Humana Insurance Company — Healthy Living book
  • Humana Dental Insurance Company
  • Independence American Insurance Company
  • Insurance Company of North America
  • LifeShield National Insurance Company
  • Manhattan Life Assurance Company of America
  • Medico Insurance Company
  • Mutual of Omaha Insurance Company — group-affiliation requirement noted by Delaware
  • Nassau Life Insurance Company of Kansas
  • National Health Insurance Company
  • Renaissance Life & Health Insurance Company
  • State Farm Mutual Automobile Insurance Company
  • Supreme Council of the Royal Arcanum
  • Tier One Insurance Company
  • Union Security Insurance Company
  • United American Insurance Company
  • United of Omaha Life Insurance Company
  • United States Fire Insurance Company
  • UnitedHealthcare Insurance Company (AARP)
  • USAA Life Insurance Company

Official verification: Delaware Department of Insurance — Medicare Supplement Insurance Companies. Exact policy availability must be confirmed for the applicant and effective date.

New Jersey18 state-listed companies · updated June 2, 2026

New Jersey SHIP's current list identifies companies offering Medigap policies. Several public-facing brands use a different legal underwriter, so both names are preserved where the state list provides them.

  • AARP — UnitedHealthcare Insurance Company of America
  • Aetna Health Insurance Company
  • Aflac — underwritten by Tier One Insurance Company
  • American Benefit Life Insurance Company
  • Bankers Fidelity Assurance Company
  • Bankers Life — underwritten by Washington National Insurance Company
  • First Health Life & Health Insurance Company
  • HealthSpring National Health Insurance Company
  • Horizon Blue Cross Blue Shield of New Jersey
  • Humana Insurance Company
  • Insurance Company of North America
  • LifeShield National Insurance Company
  • ManhattanLife Insurance and Annuity Company
  • Medico Insurance Company
  • Philadelphia American Life Insurance Company
  • United American Insurance Company
  • United World Life Insurance Company — Mutual of Omaha Group
  • WoodmenLife

Official verification: New Jersey SHIP — Medigap Insurance Companies Offering Policies. Exact policy availability must be confirmed for the applicant and effective date.

Sources

Ancillary and voluntary carrier marketplace

How SSGI evaluates dental, vision, life, disability, and voluntary benefits

Beyond major medical, SSGI compares the ancillary and voluntary markets an employer may offer alongside or instead of core coverage. Each market has its own contract definitions, networks, evidence rules, benefit schedules, portability, enrollment, payroll, and claims questions—so SSGI evaluates them on their own terms rather than as an afterthought to the medical plan.

The markets SSGI evaluates

For each market below, SSGI compares the carrier and plan facts that change the decision—not only the rate. Availability and appointments vary by carrier, state, group size, participation, and effective date, so no single carrier is named as universally available.

  • DentalNetworks, plan design, orthodontia, waiting periods, and claims.
  • VisionExam, lens, frame, and contact allowances and network access.
  • Life and AD&DUnderwriting, guarantees, conversion, and portability.
  • DisabilityShort- and long-term definitions, elimination, and benefit periods.
  • AccidentBenefit schedules, covered events, and coordination.
  • Critical illnessCovered conditions, lump-sum triggers, and underwriting.
  • Hospital indemnityPer-day benefits, confinement rules, and coordination.
  • Voluntary and worksiteEnrollment, payroll, portability, and employee-paid structure.
Explore the ancillary benefits guide
Beyond major medical

Carrier comparisons also belong in life, Medicare, and funding decisions

The medical profiles above are the first carrier-specific article cluster. SSGI also compares carrier options for individual life, Medicare Advantage, Part D, and Medigap, and separates carrier, TPA, pharmacy, and stop-loss questions in alternative funding—using the applicable product, state, certification, and marketing rules.

Life insurance carriers

Compare underwriting, guarantees, conversion, riders, illustrations, ownership, beneficiary, and service for the actual protection need.

Explore the product guide

Medicare and Medigap carriers

Compare the six-jurisdiction Medigap reference roster, standardized plan letters, pricing, rating, discounts, underwriting, and enrollment rights.

Explore the product guide

Funding and administrators

Separate carrier network, TPA, pharmacy, stop loss, claims funding, fees, reporting, and employer governance in alternative funding.

Explore the product guide

Official sources are provided for reference. SSGI is an independent insurance agency, not a carrier or the federal Medicare program, and may receive compensation from a carrier when coverage is placed. Carrier and product availability varies by state, service area, employer or applicant, group size, participation, eligibility, underwriting, plan letter, effective date, and current market. Do not submit medical, claims, prescription, member, Medicare, policy, Social Security, financial, or credential information through the public form.

Compare the current carrier market on your workforce

Share employee locations, current plans, renewal timing, and leadership priorities. Use an approved secure process for employee-level information.

Request an employer benefits reviewExplore all employee benefits