Our Carrier Panel
AIS Multi Insurance is an independent agency – no carrier owns us or leads our recommendations. The panel below is chosen on network strength, plan design and how the carrier behaves after the sale.
Fully insured carriers
- Employer pays a fixed monthly premium
- Carrier takes the claims risk
- Most predictable arrangement to budget for
- Where most small groups start
BCBS Texas
Nippon Life Benefits
Principal
UnitedHealthcare Domestic
UnitedHealthcare Global
Self-funded & level-funded partners
- A healthy group funds its own claims
- Capped monthly cost, stop-loss protection above it
- Real claims reporting to work from
- Includes the third-party administrators running these plans
Allied Benefits / Meritain
Starmark
UnitedHealthcare Level Funded
Not sure which one fits?
Both arrangements quoted side by side where groups qualify.
- Fixed cost and no surprises, weighed plainly
- Against medical underwriting, claims visibility, possible surplus refunds
- Full comparison on our group insurance page
Additional partners
Specialty and ancillary markets we place business with alongside the core panel.
BCBS Texas Blue Balance Funded
Why these carriers
A carrier panel is a set of judgements, not a logo wall. A carrier stays when it holds up in month seven, not just when the rate looked good in month one.
Network strength comes first.
- Networks checked by ZIP code before we quote
- Your employees' hospitals and physicians must be in-network
- A lower premium without them is worthless
Plan design has to be honest.
- We look past the headline deductible
- Coinsurance, out-of-pocket maximums, prescription tiers, specialist copays
- Carriers that quietly shift cost don't stay
Service after the sale matters as much as the rate.
- Enrollment speed, ID cards, billing corrections tracked
- Hundreds of transactions placed monthly across carriers
- We know which ones behave
Fit for your group.
- A twelve-person Katy firm differs from multi-state operations
- Work-visa staff change which markets fit
- We match the market to the group
Network checked by ZIP
Provider and hospital access verified where your employees live before we quote.
Design compared properly
Deductible, coinsurance, out-of-pocket maximum and drug tiers side by side.
Service record
We track how each carrier handles enrollments, terminations and billing for our book.
Independent
No ownership ties, no quota to fill – the recommendation follows the group.
Working with your carrier for you
Your HR team emails us; we work the carrier.
- Enrollments, terminations and newborn additions filed
- ID cards chased, certificates of coverage requested
- Billing questions resolved directly with the carrier
15 carriers and administrators are currently active on our panel. Availability varies by state, group size and underwriting; carrier names and marks belong to their respective owners and are shown to identify markets AIS places business with.