We thoughtfully administer benefits plans, carefully manage medical costs, and consistently deliver a high-value member experience.
Research shows that employees who feel supported and knowledgeable about their healthcare decisions achieve better results.
We pride ourselves on our flexibility—enabling our employer clients to optimize their benefit plans at an affordable cost.
Our cost-containment strategies save meaningful dollars while never compromising the member experience.
Health insurance is complex, which is why our customer service team is on call to advocate for our members throughout their healthcare journey.
We deliver both data and valued insights that enable our clients to continually optimize their benefit plans.
We simplify the benefit process and handle the day-to-day tasks for our clients—eliminating needless complexity.
From world-class customer care for members and employers to sales support for brokers, we pride ourselves in making each interaction a meaningful and positive experience.
Employer pays fixed costs (administrative and stop-loss premiums) and employee health care claims.
Employer pays a fixed monthly premium to an insurance carrier for insurance benefit.
Employer and stop-loss carrier assume the risks of all covered employee medical costs.
The insurance company assumes the risks of all covered employee medical costs.
Employer has more control and freedom in their benefit plan design.
Employer is limited by the insurance company’s plan design options.
The Employee Retirement Income Security Act of 1974 (ERISA) pre-empts state requirements.
The plan must comply with all state regulations for each state where employees reside.
Better care doesn’t have to cost more—we look for the win-wins so members can get care on their terms at a reduced cost.
We tailor a benefit solution to your workforce, linking your preferences for medical, dental, vision, and pharma to your budget all while enhancing the member experience.
We integrate your medical plan preferences within our administrative processes and technology tools, linking in high-value innovation partners.
We engage your people in their care—through phone, web and mobile support; proactively supporting their healthcare and responding when issues arrive.
We deliver insights to help you see how the medical plan is performing and suggest improvements when we see opportunities that would benefit your team.