We offer a unique option that has many of the qualities of a fully-insured plan built in a self-funded structure.
Employers pay a fixed monthly cost for health expenses—calculated to cover the expected average plan costs each month.
This offers a consistent monthly outlay for budgeting purposes. The employer retains 100% of any unused balance that remains at the end of the year. And while cost overruns are possible, stop loss insurance helps mitigate this risk.
This self-funding model provides the monthly payment stability of a fully-insured plan and the savings opportunities of a self-funded plan.
While not a fully insured plan, you maintain a consistent and predictable monthly fee with all the benefits of a self-funded solution.
While carriers keep any unused funds in traditional health insurance plans, savings from a level-funded plan are returned to you.
Monthly statements offer you transparency into the performance of your plan so you can have the confidence that your funds are well-managed.
Unlike a fully insured plan, overages are possible. Stop Loss will help you mitigate risk and manage any unexpected claims.
Your employee population is unique. We can help you customize your plan to your particular population needs.
Your employees have access to our concierge care team. We’re here to help them manage every aspect of their healthcare journey, resulting in better outcomes and lower costs.