The Self-Funded Program lets you enjoy the benefits of self-funding while we handle the details

Rethinking your Employee Health-Benefit Plan? Directly funding your own Health-Benefit Plan can help you control your group’s health care costs — now, and for years to come.

Not only does our Self-Funded Program usually cost less than a more traditional Health Benefit Plan, but it’s also built to ensure your savings continue:

Your money in your claims account goes exclusively to your group’s claims expenses

If your group’s claims are less than expected, your savings can be significant

If your group’s claims are larger than expected, Stop-Loss Insurance protects your finances

You have the opportunity to receive money back if you don’t use all the funds from your claims account

By choosing our Self-Funded Program, you gain access to our unique, complete package of services and Insurance Protection that takes the uncertainty and guesswork out of self-funding:

Expert guidance

• Our experienced Sales and Account Management Teams offer you and your agent marketplace expertise to ensure you’re getting the plan that’s best for your group and provide the plan- administration support you need.
• Flexible benefit options
  We help you select your Health Benefit Plan options from a wide range of health-plan designs to fit the needs of your group
• Compliance
  All Employer-Established Benefit Plans are minimum essential coverage, so employees will not be subject to the individual tax penalty
  Preventive services are paid at 100% when received from in-network providers, as recommended by the Affordable Care Act
• One, predictable monthly payment
  We determine your maximum cost for the year up-front, and your monthly costs are guaranteed not to increase for a full year as long as there are no changes to enrollment or benefits*
• Complete plan administration and support
  Payments of claims, customer service, and claims reporting are all done for you, leaving you to focus on your business
• Protection from larger-than-expected claims
  When your group’s claims are larger than expected, Stop-Loss Insurance kicks in to protect your finances. You never have to pay more than what you planned for