Three Plan Types. One Clear Recommendation.
We offer all three plan types and specialize in finding the right fit for your business. Level-funded plans deliver predictable costs with surplus refunds. RBP plans offer maximum freedom with no network restrictions. Both deliver significant savings over traditional insurance.
A level-funded health plan gives your business the best of both worlds — predictable monthly fixed payments combined with the cost-saving potential of alternative funding. Each month, the employer pays a fixed monthly amount broken into three components: a claims fund to cover expected medical expenses, stop-loss insurance to cap catastrophic risk, and a third party administrator fee covering plan administration, network access, and compliance support.
Unlike a traditional fully insured plan, you pay for actual claims — not estimated premiums. The claims fund belongs to your group health plan. If your employees stay healthier than projected, the surplus stays with you — not the carrier. At year end, you may receive a refund on unused claims fund dollars.
There is no cash advance required — making level-funding significantly more cash-flow friendly than a fully insured plan for growing businesses. The advantage of level funding is clear: predictable monthly costs, full claims transparency, and real cost savings compared to fully insured group health plans — all backed by stop-loss insurance so your maximum exposure is capped from day one.
Predictable monthly payments — no surprise invoices mid-year
Surplus refunds when your group's claims come in under budget
Pay only for actual claims — not the carrier's estimated projections
Stop-loss protection caps your exposure on high-cost claims
Claims data visibility — know what's driving costs before renewal
Access to major PPO networks — UnitedHealth, Cigna, Aetna, PHCS
Reference-Based Pricing is a powerful cost containment strategy that eliminates the inflated chargemaster game entirely. Instead of paying a discounted percentage of an artificially inflated hospital price, RBP reimburses providers at a transparent percentage above Medicare rates — typically 130–150%.
Employees can see any licensed provider in the country with no network restrictions — no referrals, no in-network limitations, no surprise bills from out-of-network providers. RBP plans consistently trend at 5% or more below traditional PPO cost increases year over year.
Stop-loss insurance is built into every RBP arrangement, giving employers predictable maximum exposure with none of the carrier markup. Claims data is fully transparent, giving you visibility that traditional plans never provide.
See any licensed provider — no network restrictions nationwide
Medicare-based reimbursement — transparent, fair pricing for every medical service
Stop-loss protection included — caps employer exposure on every claim
Full claims transparency — complete visibility into what's driving costs
Trends 5%+ below PPO — year-over-year cost advantages vs. traditional plans
No chargemaster markup — eliminates inflated hospital pricing entirely
We offer traditional fully-insured group plans and will always present them as an option — but for most employers with 2–250 employees, they are not the most cost-effective choice.
With traditional insurance, the carrier pools your employees with thousands of others, prices the risk conservatively, and keeps the profit when claims come in lower than projected. You have no visibility into claims data and no ability to benefit from a healthy workforce.
That said, traditional plans can be the right fit in specific situations. Our job is to give you an honest, unbiased analysis and recommend the plan type that actually serves your business best.
Simple administration — carrier handles all claims processing
Predictable costs — fixed premium, no claims risk to employer
Premiums rise every year regardless of your group's claims history
Zero claims transparency — carrier keeps your data
No surplus refund — carrier keeps all profit from low-claim years
