Our Value

What We Offer

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.

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Advantages of Being Self-insured

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Advantages of Being Self-insured

Self-insured

Fully-insured

Payments

Payments

Self-insured Payments

Employer pays fixed costs (administrative and stop-loss premiums) and employee health care claims.

Fully-insured Payments

Employer pays a fixed monthly premium to an insurance carrier for insurance benefit.

Risk

Risk

Self-insured Risk

Employer and stop-loss carrier assume the risks of all covered employee medical costs.

Fully-insured Risk

The insurance company assumes the risks of all covered employee medical costs.

Plan Design

Plan Design

Self-insured Plan Design

Employer has more control and freedom in their benefit plan design.

Fully-insured Plan Design

Employer is limited by the insurance company’s plan design options.

Compliance

Compliance

Self-insured Compliance

The Employee Retirement Income Security Act of 1974 (ERISA) pre-empts state requirements.

Fully-insured Compliance

The plan must comply with all state regulations for each state where employees reside.

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Our Plans

Case Study

Making Chronic Disease Easier to Treat

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.

How It Works

Our Benefit Improvement Process

1

Tailor

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.

2

Integrate

We integrate your medical plan preferences within our administrative processes and technology tools, linking in high-value innovation partners.

3

Engage

We engage your people in their care—through phone, web and mobile support; proactively supporting their healthcare and responding when issues arrive.

4

Deliver

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.