No two businesses are alike—that’s why we believe in creating a health plan that reflects the unique needs of each client. For employers moving from fully insured, we provide a solution that delivers the predictable payments of a fully insured plan while still enjoying the savings and control of a traditional self-funded plan: Level Funding.
Level-funded plans are perfect for smaller groups and employers who are interested in self-funding, but want to maintain the financial simplicity of their fully insured plan. With level funding, the employer will never pay more than their pre-determined monthly cost and will retain 100% of unused money after all claims are paid for the year.
100% of unspent claim funds returned to the plan
No deficit recoupment or amortization
No individual medical questionnaires required for certain sized groups
Unlimited plan design options
|Fully Insured||Level Funding|
|Level Monthly Payments|
|Unused Claim Funds Retained by Employer|
|Option to Roll Over Unused Funds to Next Year|
|Ability to Adjust Plan Before Year End|
|Access to Detailed and Actionable Claims Data|