Self-Funded Health Plans

Increase Flexibility AND Manage Risk

Self-funding can provide the flexibility to design a plan that is best suited to your organization and your members. The information gained from administering claims will help your organization better manage the risks and future costs of health care.

In a traditional insured plan, rates are fixed for a year and monthly premiums are based on the number of employees enrolled. The insurance company collects the premiums and pays the health claims based on the policy’s benefits. When a plan is self-funded, fixed costs such as administrative fees are billed monthly based on enrollment but the employer pays claim costs as they are incurred.

Stop-loss insurance reimbursements are made if claim costs exceed catastrophic claim levels, making the total cost equal to fixed costs plus claims less any stop-loss reimbursements. When claim costs are lower than expected, the savings remain with the employer and not an insurance company.

More About Self-Funding...

How It Works
Self-funding is a simple, economical means of providing employee health benefits that is often misunderstood. We'll help you get the facts.
  • The Basics
  • The Advantages
  • Fact vs. Fiction
Controlling Costs
We offer self-funded clients access to the best PPO Networks and deliver programs to better manage medical expenses.
  • PPO Networks
  • Medical Cost Management
  • Rx Benefit Management
Creating Your Plan
We'll design a self-funded plan, secure stop-loss insurance from an A+ rated carrier and provide the day-to-day administration and reporting.
  • Benefit Plan Design
  • Stop-Loss Insurance
  • Administration