Welcome to Ternian® Insurance Group

States Licensed: All states except WA, OR, ID, UT, ND, SD, MN, NY, VT, NH, RI

No ObamaCare Waivers Needed!

The Founders of Ternian are the same people who were the former Leadership Team behind the Nation’s premier provider of limited-benefit medical plans. For over 20 years, the Founders of Ternian helped thousands of Employers and millions of uninsured Workers obtain quality, affordable coverage.

Today, these "Experts in Limited Medical Plans" bring their tradition of market-leading innovations back to Employers and Employees around the country - all while maintaining compliance with the new health care reforms!

Ternian's "Better Approach to the Limited-Benefit Medical" believes that there continues to be a need in the marketplace to provide consumers with more choice, information, and a broader range of quality, affordable options.

Different employee lifestyles require a choice of different benefit solutions. Ternian looks to complement existing benefit plans in the marketplace today and offer voluntary medical plans for:

basic, catastrophic, and comprehensive health care.

Ternian offers programs for any market: Employer Group, Association/Franchise, or Individual Association/Affinity.


Brokers are Welcome as WiseBenefits is Master General Agency (MGA), and we provide Brokers with top commissions and Employers with the Lowest Premiums!

Contact us today for a Customize Proposal from Ternian!


Summary Plan Designs

Need 5 or more Employees participating in these plans to maintain this coverage.

New! Health Basic

Mini-Medical (Select)

Mid-Medical (Value)

Request for Proposal

New, Individual Association Plans will be arriving in April or May of 2011, and will be available in ALMOST EVERY STATE including NY!

Please check back at that time!


Contact us or Call us at: 1-800-825-7605
or email us at: info@WiseBenefits.com

affiliates of First Benefits

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