We offer a wide range of flexible funding options designed to accommodate each group's specific needs or budget. For groups with 51 or more covered employees, the following fully insured and funding arrangements are available, subject to underwriting guidelines and product availability of the carriers we represent.

Minimum Premium Plan

Minimum Premium combines the security of conventionally funded health insurance with many of the advantages associated with self-funding. The plan allows financially qualified clients to fund their own claims, significantly reduce premium taxes, and enjoy the security of a plan fully backed by our carrier partner.

Our partners offer a number of flexible plans options for large employers which can be used to further limit and refine customer liability, including individual pooling levels, aggregate claim pooling, terminal benefit limit, premium guarantee and terminal reserve funds guarantee option, deficit recovery limit protection, deferred deficit recovery, surplus position carryover and banking arrangement.

Experience Rating Agreement

In these products a fully insured contract is in place, but the carrier agrees to return unused premium to the group. Unused premium is collected premium that exceeds the sum of claims paid, needed reserves, expenses, taxes and other government obligations. The carriers Experience Rating agreement also may be available on a Retrospective Premium basis.

Stop Loss Insurance—Aggregate Only – "SPAGREGATE"

These products sometimes called "Spagregate programs" combine the best features of traditional stop loss using specific and aggregate reinsurance but allow the employer the benefit of pricing at or near traditional fully insured levels. The employer's liability is rolled into a fixed stable monthly payable. At no time will the employer be asked to fund more than the fixed monthly payable. Funds left at the contract end are the employers. The employer realizes the flexibility of an ERISA plan document and the efficiencies of a qualified third party administrator.

Fully Insured Agreement

A fully insured contract is available with many of our carrier partners. This arrangement returns no claims excess to the employer, but allows the employer the safety of the carrier bearing all the risk of coverage for a fixed monthly premium.