Heads You Win. Tails You Don’t Lose.
That’s why more small and mid-size businesses are switching to fixed-cost, self-funded medical plans.
With traditional fully-insured coverage, employers pay a lump sum to a carrier. There’s no further premium obligation regardless of the claims incurred by employees and their dependents. When claims are less than expected the carrier keeps the difference.
With fixed-cost self-funded medical plans, employers pay a lump sum to a third party administrator. There’s no further payment obligation regardless of the claims incurred by employees and their dependents. When claims are less than expected, however, employers receive the surplus. All of it.
The Defend Plans: A Different Kind of Health Care Coverage
The Defend Plans deliver all the value of a fixed-cost, self-funded plan. Then we deliver more. We offer Refund Assisters to help make members healthier and to help make a refund more likely. Our goal is simple: help improve the health and well-being of employees and the financial health of of employers.