These types of plans make it possible to provide better, more flexible, and more innovative healthcare options at significantly lower costs than fully insured plans.

A common yet incorrect assumption is that self-funding is only for large employers, however, any employer should look seriously at a partially self-insured group health plan. It is likely that substantial savings are possible.

Your employees are able to use ANY physician or facility they would like.

YES! All employees will receive the same benefits throughout the United States. Because the plans are governed by ERISA it is easier than ever to insure across state lines.

Inpatient and outpatient medical facility bills are riddled with egregious mark ups rendering “network discounts” meaningless. The Open Solution™ provides auditing and re-pricing for facility bills instead of negotiated discounts and DRGs. This approach saves on average 25% over traditional PPO negotiations.

Only a small percentage of claims result in a dispute. As the plan fiduciary we handle all claims appeals and legal defense if necessary at no additional cost to the employer.

No. Physicians and other professionals are paid at a contracted rate.

Medical management/nurse coaching is a time proven method of getting “buy-in” to health improvement for participants whose medical condition requires compliance with a daily plan of care that assures optimal health and quality of life. Health improvement initiatives that go far beyond “wellness.”

We provide expertise through our staff members who have multi-faceted experience and bring you the latest technologies, creative benefit design, specialty resources and cost containment strategies. We have a broad exposure to reinsurance programs. Because we qualify as a medical services provider, we have the legal authority to obtain important protected information, which allows us to give vital input to claims payment decisions.

We provide customized health, vision, dental, pharmacy benefits, 125 Cafeteria  plans, HRA Accounts, and Reimbursement account administration.

Plans are completely customizable and compliant. We guide employers in the selection of an appropriate plan design, with stop-loss coverage, to cover the cost of excess catastrophic claims.

Yes, prescriptions are managed in the same manner as traditional plans.

Yes! Clients consistently receive premium renewal rates significantly below the trend.