Cutting Edge Benefits Podcast-Week of 04/17/2026
In this powerful episode of the Cutting Edge Benefits Podcast, Tom Quigley breaks down the
ClaimLinx pioneered a fresh solution for businesses to save on their health insurance. Hear your options from a qualified consultant today!
ClaimLinx is a combination consultant, insurance agency, and claims processor aimed at helping businesses save on their health benefits. Since Christy and Tom Quigley started the company in 2004, they have helped hundreds save on their health insurance.
ClaimLinx collaborates with companies of all sizes to assist them in reducing their health insurance costs.
As benefits consultants, ClaimLinx has multiple options available for health benefits that we customize to fit your company’s needs and budget.
Employer benefit consulting is ClaimLinx’s true passion and specialty.
ClaimLinx specializes in helping companies with their health insurance needs.
Supplemental insurance is additional coverage for your employees.
ClaimLinx specializes in finding the best solution for each individual.
ClaimLinx processes reimbursement claims in-house with benefit plan consulting.
On top of saving money, ClaimLinx offers its clients one-of-a-kind service.
ClaimLinx offers custom benefit designs to fit your company’s needs and budget. See samples of client savings with each solution type: Diamond, Sapphire, and Crystal.
Combine group health insurance plan with a self-funded plan and see the potential. This plan offers ease of administration and huge savings.
See the benefits of using a group plan with individual plans. Benefits are custom to fit the company budget and employees’ needs.
Cash in on the additional tax breaks by enrolling employees in individual plans. The opportunity for savings can be huge.
Clients save each month with the ClaimLinx Simple Option Solution. See how total savings for different group sizes.
A medical expense reimbursement plan (MERP) utilizes Section 105 of the tax code, a provision that has been included for more than 50 years. A MERP allows business owners to deduct any portion of a medical expense for its employees.
It includes any business with one or more employees, so any sole proprietor is able to take advantage of this code. ClaimLinx can help you find the best way to use a MERP to save money.
A MERP is a type of plan that allows employers to provide funds to their employees on a tax-free basis. These funds are billed directly to the provider’s office as a secondary benefit coinciding with their Primary insurance Plan.
ClaimLinx specializes in coordinating self-funded Medical Expense Reimbursement Plans (MERPs) from start to finish. First, we offer employer benefits consulting to provide your business with a plan that fits your demographics best. It’s a more comprehensive Health Reimbursement Arrangement (HRA) than you’ve ever seen!
Business owners receive a tax deduction when an employee incurs a qualified medical expense and the employer pays for part or all of that expense.
MERPs typically cover a wide range of medical expenses, including doctor’s visits, hospital services, prescription medications, and other healthcare-related costs. However, it is important to note that specific expenses and reimbursement limits may vary depending on the plan design.
By moving first-dollar benefits, such as copays for office and specialist visits, out of the insurance plan, companies can significantly reduce premium costs. A MERP allows employers to fund employee medical expenses based on their specific budget and business needs, with the flexibility to adjust the plan as those needs evolve. Employers can modify their MERP design at any time with a minimum of a 30-day notice to employees Mid-year. Additionally, unused MERP funds roll over year to year, enabling organizations to build reserves over time.
A MERP, of Medical Expense Reimbursement Plan, is an employer-sponsored benefit plan that helps employees cover eligible medical expenses.
It is a type of reimbursement plan that allows employees to receive reimbursement for out-of-pocket medical cost incurred during the plan year.
A MERP is any plan that allows businesses to give their employees without any taxes applied to the amount. The money that is given by the employer can only be used to pay off any medical expenses that an employee paid for out of their own pockets. The process of a MERP typically involves five main steps:
Step 1: Your employer establishes a copay or coinsurance allowance based on the utilization of services or prescription claims processed under the plan. This allowance represents the maximum reimbursable amount; if total medical expenses exceed this limit, the employer is only responsible for reimbursing up to the predefined cap.
Step 2: As the employee, you will be responsible for paying your providers and pharmacies directly for services rendered. The company will then cover eligible costs after your applicable copay or coinsurance, as well as handle the payment of monthly premiums and determine any payroll deductions required for coverage. Healthcare deductions reflect the standard process for your primary insurance coverage.
Step 3: If a claim is not submitted to ClaimLinx for secondary processing, it will be the member’s responsibility to provide the required documentation. This includes an itemized billing statement or invoice, as well as the Explanation of Benefits (EOB) from the insurance carrier following claim processing.
Step 4: Once the documentation is submitted, it will be reviewed by our company to ensure the allowance has not been exceeded, the purchased product or service qualifies for reimbursement under the MERP, and all required information is included. If any information is missing or incomplete, a claims specialist may request additional documentation.
Step 5: Eligible claims will be reimbursed by your employer beyond your cost-sharing responsibility. Our internal team will upload your claims to your member portal for review, generate a digital Explanation of Benefits (EOB) for your account, and ensure that providers are paid the remaining secondary balance owed.
Read about the experiences of our clients with ClaimLinx. Testimonials are from both members and administrators.
Everybody at ClaimLinx … If all insurance companies were like ClaimLinx, the world would be a better place. …
Member
We have had an awesome experience with Claimlinx. The best decision our company made was to switch to their services…
Member
The newsroom is a great way to stay connected with ClaimLinx. We will share company updates, health industry news, and more.