Services & Strategies

Kistler Tiffany Benefits is committed to providing the best products, services and resources to our broker partners.  As your General Agency, our goal is always to help you help your clients.

We want our broker partners to have a competitive edge in the marketplace. That is why we offer superior service and support products at highly competitive rates.

Employee Benefit Products

  • Group medical and managed care
  • Group dental, vision, and prescription drug coverage
  • Group life, short term, and long term disability
  • Individual and short-term medical coverage
  • Voluntary benefits

Specialty Products

  • Stop Loss
  • Pharmacy Benefit Management Programs

shutterstock_244903105Medicare & Senior Services 

Our knowledgeable Senior Advisory team is available to meet with your clients and help them with Medicare supplemental coverages as well as long term care insurance.

The following top-rated services are available to our broker partners and their clients at extremely competitive rates. Blue Diamond broker partners earn additional benefits.

HR Support Center & Consulting

HRAnswerLink enables you to offer the following to your clients:

  • Branded online portal for HR reference materials and on-demand trainings
  • Branded HR newsletters and critical employment law email alerts
  • Upgradeable levels of service, including handbook development and an HR call center

ERISA Compliance

O.C.A. Benefit Services offers a simple, inexpensive solution to help prepare your clients for a potential Department of Labor audit.

Compliance package includes Wrap Document and Summary Plan Description (SPD) preparation, 5500 filing, Section 125 Premium Only Plan documents, and more.

Benefits Administration & Consolidated Billing

The Beneration ecosystem helps companies of all sizes manage their employee and benefit data. Visit Beneration’s website to learn more about their benefits administration solution, CoverageSpace, and their invoice audit and consolidation product, VerifiaBill.

COBRA Administration

Kistler Tiffany Benefits partners with several preferred vendors for COBRA services.  For more information, contact your Employee Benefits Consultant.


Advocacy Services



Health Advocate is a unique resource that assists employers and employees in many important ways.

Personal Health Advocates assist with claims and billing issues, offer benefits explanations, put members in touch with doctors and specialists, and assist and guides members through getting procedures approved.


We offer a simple and efficient way for your clients to offer telehealth to their employees—24/7/365 access to a licensed physician.

Find out more here:

Consumer-Driven Health Care Products

In a rapidly changing market where ACA and DOL compliance has become a primary concern, Kistler Tiffany Benefits’ Compliance team is available to help guide our broker partners and their clients.

The Patient Protection and Affordable Care Act (PPACA) introduced the most significant reforms to the U.S. health care system since the 1965 Medicare Amendments to the Social Security Act.

Our dedicated Compliance team, led by Kistler Tiffany Benefits’ Director of Compliance Services, Scott Wham, J.D., focuses on providing broker partners with insights into PPACA best practices.

In addition to PPACA compliance services, Kistler Tiffany Benefits also provides insights and solutions for complying with the Employee Retirement Income Security Act (ERISA), the Health Insurance Portability and Accountability Act (HIPAA), the Consolidated Omnibus Budget Reconciliation Act (COBRA), and other relevant laws impacting employee benefits.

Kistler Tiffany Benefits strives to ensure our broker partners are educated regarding the best practices for proper management of an employee benefits plan.

Health Care Reform in the News

Kistler Tiffany Benefits sends a weekly email to broker partners that includes information on health care legislation, compliance updates, and more to share with your clients. In addition, broker partners receive invites to broker seminars and webinars hosted by Director of Compliance Services Scott Wham, J.D.

If you are a current KTB broker but are not receiving email updates, please contact

Broker partners also receive access to HR360 to use to assist their clients with step-by-step guidance including:

  • Health Care Reform guidelines
  • More than 500 downloadable forms
  • Interactive HR apps including a job description builder, salary benchmarking tool and employee performance review builder
  • Step-by-step guides for interviewing, hiring, terminating and performance reviews
  • All-in-One federal and state labor law posters

Access to  HR360 is available via the KTB Broker Portal.

Health Plan Compliance Deadlines

Our nationally-recognized Compliance team, led by Director of Compliance Services, Scott Wham, J.D., works closely with our broker partners to deliver timely information and updates related to health care reform, compliance, state-specific legislative updates, and more. Have a question for Scott and his team? Please reach out to your dedicated Employee Benefits Consultant.

As part of our Compliance offerings, Kistler Tiffany Benefits also works closely with a few select partners, including O.C.A. Benefit Services and Alston and Bird, LLC.

O.C.A. Benefit Services, LLC, specializes in assisting our broker partners and their clients with ERISA compliance, plan documents, and more.

It is important to know that ERISA rules and fines apply to any size group – that is why Kistler Tiffany Benefits has partnered with O.C.A. to ensure your clients are prepared and not caught off guard.

O.C.A. provides the following services at a highly competitive rates compared to similar industry professionals:

Wrap Documents and Summary Plan Descriptions (SPDs)

Combine SPD and PDs from many plans into one easy to access document, reducing required paperwork, and making plans easier to administer. The most efficient solution for businesses with multiple plan offerings such as Medical, Dental, Vision, Life, LTD, HRAs, etc.

ERISA Compliance Assessment

O.C.A. will review your clients’ existing plan documents, summary plan descriptions, insurance certificates and contracts, and Form 5500 for potential compliance issues arising with respect to ERISA’s reporting and disclosure requirements.

Form 5500 Filing

O.C.A. will assist with filing the applicable Form 5500 for each welfare “plan” established and maintained by your client.

All Forms will be prepared based on information provided by your client. NOTE: If benefits are funded through a trust (e.g a VEBA), O.C.A. will not prepare the Form 5500.

ERISA Compliance Self-Assessment

O.C.A. will provide compliance tools/checklists that will assist your clients in verifying if their organization is in compliance with respect to ERISA’s reporting and disclosure requirements.