Health care solutions designed with doctors

We've been integrating health care coverage with health care delivery for more than 7 decades. This unique synthesis helps us improve the health of your employee population. We provide insights into both your health coverage and your health care, and work with you to make adjustments and enhancements to both.

Fully Insured

Predictable costs, less risk

For large groups with 51+

You pay a predictable monthly premium (and get robust reporting and consulting if you have 150+ employees). We assume all financial risk by paying your employees’ claims and taking responsibility for surpluses and deficits.

Self-Funded

Responsibility for costs and liability

For groups with 250+ enrolled employees

You pay a monthly PEPM service administration fee instead of a premium and receive comprehensive monthly reporting for management of your plan. Your organization isn’t subject to certain taxes and state mandates, and you retain savings from lower-than-expected claims. We provide your members with the same best in class experience as a fully insured plan.

Rate Stabilization Reserve (RSR)

Costs linked to actual expenses

Contact your sales representative to find out more.