New Mobile App

Access digital ID card, check claim status, communicate to our office, securely send documents and data.

Health Savings Account

Enjoy the benefits of a Health Savings Account (HSA), now available for all medical benefits plans!

In the Media

Discover how Phyllis Merrill, MBA's CEO is containing costs in the medical industry on Success today with host Bob Guiney.

Member Groups Save Money on Renewals Year After Year!


You don't have to skimp out on perks; choose the benefits that fit your needs and receive quality care, all while saving money.


We make a commitment to provide you with a successful employee benefit plan.

  • Use the latest technologies
  • Enjoy deep discounts
  • Choose either the largest provider network or pick the doctor of your choice, depending on your plan.
  • Take advantage of specialty resources
  • Leverage cost containment
  • Pick from a wide range of benefit solutions
  • Ensured exposure to reinsurance programs
  • Improve health with initiatives that go beyond “wellness”

About MBA 

spba logoMBA Benefit Administrators is a Third Party Administrator that manages and develops self funded medical benefit plans for medium and large sized corporations, companies, municipalities, tribes, and school districts nationwide. We are a member of the Society of Professional Benefit Administrators (SPBA)

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elap logoServices provided by ELAP reduce the cost of providing health benefits and medical care for groups. The fundamental principles that create the amazing savings on hospital and doctor bills include transparent pricing, and fair reimbursements for medical providers and their support teams.

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open solution logoPowered by MBA, The Open Solution™ is the next health benefit game changer.


To experience a new result, you have to implement change. You have to think differently. Innovation is a must. Using more than 30 years of industry experience, innovation that has come about with using available resources in new ways, all while backing cost savings with the standard of law, The Open Solution™ has transformed the medical benefits industry from a rising cost budget line item to a consistent DECREASE in rates and dollar amount spent for every single client on our books.

Our commitment is to provide you with quality administration services on time, time after time and year after year.

  • Expect a 25% decrease from previous plan year costs
    The Open Solution’s™ auditing and re-pricing formula provides greater savings than standard discounts. This increases your organization’s cash flow and stops the ever-tightening squeeze on your employees’ paychecks.
  • Open Network
    Because our plan doesn’t rely on forcing employees into networks to obtain dubious discounts, your employees are free to see any provider and use any facility. This allows people more freedom and control over their healthcare.
  • Chronic Condition Support
    Pro-active medical case management helps to prevent costly medical stays and procedures by utilizing nurse case managers throughout the continuum of care; preventative coaching, episode management and maintenance consulting.
  • Open Access
    Easily solve multi-state issues by offering the same benefits to all employees throughout the US. Our plans are governed by ERISA, not the State. No network restrictions mean simpler administration and reduced costs.


“We have had the opportunity to work with MBA over the past several years. Our day to day contact has been with Keith Klingler. He has been very responsive….and willing to serve above and beyond what would normally be expected of a TPA.”

—Donald J. Keyes, Keyes Benefits


“….in my experience over the past 8 years I find that these two women {MBA Claims Manager and Critique Case Manager} have provided me with exceptional service…you don’t find their caliber very often. Frankly I consider them a gem compared to what I’m used to. Being a recipient of a Five Organ Transplant ...I have seen a lot of people attempt to try to handle things only to have never heard from them again. Lucky for me I drew the best of the best in case managers.”

—Michael Pollard, Five Organ Transplant Recipient

critique logo  health-steps-logo open-solution-logo-cut

...with powerful health care and claims management systems to save them money.
We believe your investment in a health plan should be treated like any other aspect of your business, with upfront knowledge of the costs and all attempts to weed out waste. MBA saves employers more than nickels and dimes with many methods of management, including: Metrics Based Pricing: Why rejoice over a 30% discount on a claim that is 1000% too high? Metrics Based Pricing reduces claims to a “cost of service + reasonable margin” level by auditing claims for unfair markups and inaccurate or fraudulent billing. This results in an average $1500 per employee savings – AND WE DO IT WITHOUT RESTRICTIVE NETWORKS! Medical Management Services: Proven to reduce hospital admissions and the average length of stay. HealthSteps™: Wellness plans and initiatives that do make a difference in the overall health of your workforce and drive down health claims. Prescription Benefit Management: With an average reduction of 9.4%. Internet Prescription Bidding: Allowing employees to save up to 87%. Actuarial Projecting: The projection of benefit costs and savings is one of our underwriting core competencies. Go ahead – suggest benefit changes, add or drop a plan component, change eligibility: MBA will accurately determine the financial impact on the plan and offer suggestions to tweak the benefits to suit your objectives. We offer the facts then you call the shots.
We're neighbors you can talk to...
Where else can you get a direct line to a claims adjudicator, plan manager or even the President of the company? Only at MBA Benefit Administrators. We’re the big third party administrator for health plans with personal service that you can only wish others would provide. Like talking to a friend over a fence, we have that neighborly feel…but we provide world class advantages.
With “outside the box” flexibility in health plan administration…
Since 1987 MBA Benefit Administrators has successfully served large and small employers, public entities, associations, tribal nations, school districts, non-profit organizations and insurers. We have the capability to administer anything from single-plan 25-life groups to complex employee organizations with multiple medical, dental and vision benefits or employees in multiple states. We also provide a wide array of ancillary services such as COBRA and HIPAA administration and HSAs. When you discover:

  • The depth of our experience
  • The flexibility we offer in benefit design
  • Our commitment to technology to make your life easier
  • Our can-do attitude toward service


…we’re confident you too will see why MBA is a national leader in third party administrative healthcare benefits.

…and we prove real solutions do exist for escalating healthcare costs.
We’ve received national kudos for our multiple, proven strategies which reduce claims and plan costs without harmful benefit reductions for our clients’ employees. Proof of MBA’s effectiveness in this is in the numbers. Our clients see:

  • An immediate average reduction of up to 25% in maximum health plan costs the first year,
  • Flat renewals after that, and because of this and our commitment to impeccable service…
  • Our clients remain with us an average of 12 years…an unheard of accomplishment in the health insurance industry.
…and state-of-the-art technology for painless administration and integration of services, we make your life easier.
No one thinks about making your life easier and more efficient than MBA Benefit Administrators. Our technological investments are totally integrated across services so that employees and employers – with HIPAA-compliant and appropriate need-to-know safeguards – can view at a glance their standing for benefits, claims, plan reporting and other services. These advancements provide:

A Comprehensive On-Line Enrollment Wizard: Employee self-enrollment or HR department enrollment methods, including ancillary program enrollments and billings.

HR On-line Capabilities: View, adjust and approve on-line employee eligibilities; check claims status, print reports and plan documents all from one place.

Multiple Employee Access Channels: Employees can view on-line their claims status, eligibility and account balances of reimbursement plans such as HRA, HSA, Flex and Executive Reimbursement plans. In addition, we offer all employees our MBA App, where they can:

  • Carry a virtual ID card,
  • Check on the status of a claim,
  • Submit secure documentation to MBA,
  • Contact our support team,
  • …and more!

On-line Document Management: In one place view specific documents such as:

  • Plan Documents
  • Temporary ID Cards, and
  • Employee Communications and Forms

HSA Services Integration: MBA seamlessly integrates HSA plans with HealthEquity Services. Claims information is electronically transferred from MBA’s claims system to HealthEquity employee accounts. There is no need for paper claim filing or second-guessing the eligibility of expenses. Even employee eligibility is updated through MBA data feeds.

HRA Reimbursement Plans: MBA’s administration processes allow clients and their participants to rely on accurate and timely processing of reimbursements. Eligibility, billing and remittance of claims, integrated scanning and storage allow for real-time remote access.

Section 125 Flexible Spending Plans: MBA Benefit Administrators coordinates with employers to offer Section 125 Flexible Spending administration and help employees save money on medical expenses. Providing this benefit for your employees is like getting a 30% discount on Medical Premiums, uncovered medical expenses and dependent care.

COBRA Administration: MBA Benefit Administrators can handle all of your COBRA requirements. We will mail and track notifications, coordinate COBRA payments, receipts and reporting and ensure claims match “paid through” dates, plus give you on-line access to all activities.

At MBA employers are cared for too…
MBA goes the extra mile to ensure that as an employer your health plan does not complicate your life. We give you things like:

  • Business intelligence for advanced reporting and critical analysis of your plan’s performance, costs, payouts, claims analysis and large claims submitted for insurance.
  • Billing and Funding services integrated with enrollment, customized to your specifications and handled electronically.
  • Account balancing systems produce cost accounting reports and perform bank reconciliation activities, available for review at any time.
  • And the ability to review multiple reports regarding your plan; check registers, active employee reports, YTD recaps, claims reviews and lots more.

Ready to simplify your group health insurance experience and save money?