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Lowering Employer Healthcare Plans
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Why Every Employer Needs an Incurred Stop-Loss Contract

Why Every Employer Needs an Incurred Stop-Loss Contract

Your benefits broker is likely using a third-party…
Does Your Broker Outsource Your Stop-loss Insurance?

Does Your Broker Outsource Your Stop-loss Insurance?

Your benefits broker is likely using a third-party…
Why Medicare is a Good Benchmark for Reference Based Pricing

Why Medicare is a Good Benchmark for Reference Based Pricing

Medicare is an excellent benchmark for pricing medical…

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FAQs

Questions Our Clients Are Asking

Despite critics who say that self-funding is no better than fully insured, or that transitioning is complex, risky, and involves trade-offs, the best benefits advisors know that true health plan improvement is impossible without being self-funded. The fully insured system is simply set up to fail employers because they are left in the dark with no light in sight.

With the right access to data, the right stop-loss contract, and the flexibility to leverage variable costs in a non-risky way, self-funded employers can fuel sustainable decreases in their employee benefits.

A level-funded health plan, also known as a partially self-funded plan, is a health insurance plan that combines the cost savings and customization aspect of a self-funding plan with the financial predictability of fully funded plans.

By moving to a self-funded plan, you will begin to see results almost immediately. You will have access to claims data and will begin to have insight into changes that 

A fee-only advisor is a person or business that can only accept flat or % fees for services rendered. They cannot accept commissions, bonuses, or other types of incentives. They are a real advisor who is under a fiduciary standard at all times. 

An incurred contract  determines an employer's claim payment responsibility based on the date in which claims are incurred by plan members. This type of contract is superior to a paid stop-loss contract because it can prevent a lag time between the incur and payment dates, which would cost the plan extra money. 

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