Trustmark Group Health Plans in Illinois

Trustmark Health Benefits is an Illinois institution. Headquartered in Lake Forest, Illinois since 1913, Trustmark is one of the few major health benefits companies that can legitimately claim deep roots in the state it serves. While national carriers bring scale and network breadth, Trustmark brings something different: a century-plus of Illinois-specific expertise, a locally staffed service organization, and a genuine commitment to the small and mid-size employer market that forms the backbone of Illinois’s economy.

Illinois Roots: A Century of Local Service

Founded in 1913 as the Illinois Bankers Life Assurance Company, Trustmark has evolved over more than a century into a full-service employee benefits platform. Today Trustmark Health Benefits serves thousands of Illinois employers and is well-known in the Illinois broker community for its responsive service and deep knowledge of the state’s regulatory environment. For Illinois employers who value a carrier that understands local market nuances — Chicago metro physician networks, downstate provider landscapes, Illinois state regulatory requirements — Trustmark’s local roots are a meaningful differentiator.

Level Funded and Self-Funded Health Plan Options

Trustmark specializes in level funded and self-funded health plan arrangements for small and mid-size employers. Their core health plan products include:

Product	Structure	Target Group Size
SmartFlex	Level Funded	10–300 employees
Self-Funded ASO	Self-Funded / ERISA	50–500+ employees

Both products provide access to major Illinois provider networks, annual claims reporting, and stop-loss insurance. The level funded SmartFlex product offers the predictability of a fixed monthly payment with year-end surplus refund potential — ideal for Illinois small businesses that want the data transparency of self-funding without taking on unlimited claims risk.

Voluntary Benefits Platform

Beyond major medical coverage, Trustmark offers an employee-paid (voluntary) benefits platform that allows employers to provide valuable supplemental benefits at little or no direct employer cost. Employees pay premiums through payroll deduction, often on a pre-tax basis through a Section 125 cafeteria plan arrangement. Trustmark’s voluntary benefit offerings include:

• Whole Life Insurance: Permanent life coverage with cash value accumulation, available at group rates
• Dental Insurance: Preventive, basic, and major dental care coverage through a national PPO dental network
• Vision Insurance: Exam and eyewear coverage through national vision retail networks
• Short-Term Disability: Income replacement for employees unable to work due to illness or injury
• Accident Insurance: Fixed benefit payments for covered accidental injuries
• Critical Illness Insurance: Lump-sum benefit upon diagnosis of covered conditions including cancer, heart attack, and stroke

Why Illinois Employers Choose Trustmark

Trustmark’s combination of local Illinois heritage and a flexible, modern benefits platform resonates with several types of Illinois employers:

• Small and mid-size manufacturers in the Chicago suburbs and downstate Illinois
• Professional associations and membership organizations based in Illinois
• Employers who want a comprehensive voluntary benefits stack alongside their major medical plan
• Businesses that prefer dealing with a locally accountable carrier rather than a national conglomerate

Contact Illinois Health Agents for current Trustmark rate quotes. We can compare Trustmark’s level funded options against other Illinois carriers to help you make the most informed decision for your group.