Lowered Cost

Company receives a return of premium based on the group’s annual claims.

More Flexibility

Employer designs their own health plans including customized deductible, co-pays and Rx.

Greater Transparency

Ability to see where your claim dollars are being spent in order to implement targeted cost reduction initiatives.

Cost Reduction Initiatives

Unique cost reduction solutions and wellness initiatives available to reduce overall claims.

Greater Control

Overall cost of health insurance is based on your group’s experience, not the insurance carrier.

Unmatched Service

Members receive access to Health Advocate which helps individuals navigate the health care system on a personal level.