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Plans & Services

We offer both level-funded and self-funded plans designed for groups of 25 or more enrolled lives. These solutions give employers predictable costs while allowing for meaningful choice and adaptability.

Core Features That Deliver Real Value

Transparent, Flexible, and Designed for Savings

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Core Structure & Flexibility

  • Level-funded or self-funded plans with flexible options

  • Boutique, high-touch plan administration

  • Choice of Cigna, First Health PPO, or RBP with PHCS (Claritev)

  • 12/15 mature year contracts with no settlement surprises

  • Available for groups starting at 25 lives 

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Pharmacy Benefits

  • Transparent PBM with full pass-through pricing

  • MAP/PAP assistance to lower specialty drug costs

  • Seamless, member-friendly pharmacy experience

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Optional HRA Strategy

  • Ideal for groups moving toward self-funding

  • Option to pair higher deductibles with an HRA

  • Greater flexibility and budget control without higher fixed costs

  • Simplifies the member experience

  • Optional HDHP design for HSA eligibility and more choice

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AI-Driven Underwriting

  • AI-powered risk scoring for faster, smarter quoting

  • No individual medical applications required

  • Ideal for fully insured groups with limited or no experience data

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Financial Advantage

  • 100% of surplus returned to employers after plan year reconciliation

  • 100% of pharmacy rebates passed through — no spread pricing or hidden retention

  • Fixed monthly premiums, with 84% typically allocated to claims

  • Reinsurance vetted by five reinsurers for the most competitive rates

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Built-In Value

  • Included at no extra cost with every plan

  • 24/7 Telemedicine with Mental Health and Pharmacy Savings

  • Personal Health Dashboard™ with:

    • Wholeistic™ Coaching, Start Living 2.0, Employee Assistance Program, four annual Wellness Challenges, Identity Theft Protection, Biometric & DNA Kits

  • Extended Preventive Screenings to support early detection and better long-term health

  • Patient Advocacy Team to help employees find cost-efficient care

  • Full account management with detailed employer reporting

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