Ancillary Coverages

Each public entity participating in a PRISM benefit program receives service support from a dedicated program management team. Comprised of employee benefits professionals from Alliant Insurance Services, this service team is committed to meeting the needs of PRISM members through quality customer service by assisting with:

  • Program implementation
  • Eligibility and billing
  • Claims advocacy
  • Custom reporting
  • Underwriting and financial analysis
  • Member communications
  • Contract and compliance
  • Quotes on additional coverage

PRISM members are able to choose from two of the nation’s leading vision care networks, VSP and MESVision.
VSP Vision – Coverage Provided

  • Self-insured and fully insured contracts
  • Duplicate existing benefit designs or create custom benefit designs
  • Signature and Choice Provider Network options
  • Current VSP clients can join the program at discounted rates
  • Pooled renewals
  • Multi-year rate guarantees may be available

MESVision – Coverage Provided

  • Self-insured and fully insured contracts
  • Shelf plan options available with a large range of possible co-pays and benefit frequencies
  • Pooled renewals
  • All renewal dates available
  • Multiple year rate guarantees


The Employee Assistance Program has been designed to help public sector employers and employees effectively manage unique workplace issues. Offered through Managed Health Network (MHN), the program includes a dedicated management consultant, additional hours per year for management consultations and critical incident stress debriefing, preferred pricing, and a pooled renewal for greater long-term rate stability.
Program Offerings:

  • Face-to-Face Clinical Counseling
  • Telephonic Assessment and Consultation
  • Work and Life Services
  • Online Member Services
  • Employer Services


Benefits of the program include premium savings, custom plan designs, and contract enhancements specific to public entities. Additionally, the PRISM Life Program now includes a free Employee Assistance Program (EAP) through ComPsych.

Coverage Provided:

  • Basic life insurance
  • Supplemental life insurance
  • Basic accidental death and dismemberment (AD&D)
  • Short-term disability (STD) insurance
  • Long-term disability (LTD) insurance


The RIME Program is an AARP endorsed program that allows entities to offer their Medicare Eligible retirees individual Medicare Products through United Healthcare. The program offers potential savings for both the entity and retiree.

Personal Lines Insurance Program (PLIP) offers a practical group savings for public entities employees/retirees.

Coverage Provided

  • Automobile
  • Homeowners
  • Renters
  • Excess Liability/Umbrella to all the employees (including retirees)
  • Condominium
  • Scheduled Personal Property
  • Recreation Vehicles
  • Boat

Renewal Date:  Varies by coverage and member


  • Eligible participants included employees, council, commissioners and retirees
  • Participants are offered a discount of up to 10% on their homeowners insurance premium as well as a discount of up to 20% on their auto insurance premium
  • Sign up is directly with Liberty Mutual who administers the program with frequent on-site service visits, reconciles payroll deductions, reimburses payroll coding costs
  • Other advantages:
    • Dedicated 800 telephone line, if needed
    • Full replacement value on new automobiles in the first year
    • Original equipment manufacturers parts on new automobiles within the first five years
    • 24 hour emergency roadside assistance and claims services
    • Zag auto buying service-referral to a preferred, Zag-contracted dealer