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Why WhealtheOptions?

Choosing the right health plan shouldn’t mean sacrificing transparency, control, or affordability. At WhealtheOptions, we’ve built our solutions to do more than just cover care — we help employers save, employees thrive, and brokers succeed.

What Sets Us Apart

WhealtheOptions isn’t just another health plan. We’re a partner committed to creating clarity, control, and confidence in healthcare. By combining flexible funding, transparent pricing, and comprehensive support, we help organizations lower costs, empower employees, and give brokers the tools to thrive.

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That’s why more groups are choosing WhealtheOptions — and why it works.

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Full Transparency

We believe every dollar should be accounted for. That’s why our plans include:
 

  • 100% of surplus dollars returned to the employer after plan year reconciliation

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

  • Clear monthly premiums with an industry-leading 84% typically allocated to claims
     

No hidden fees. No surprises. Just honest, accountable health coverage.

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Proven Savings

Our funding models are designed to create measurable results.
 

  • Employers often save 20–30% compared to traditional BUCA carriers

  • MAP/PAP programs help reduce the cost of specialty drugs

  • Reinsurance is vetted through five
    top reinsurers for the most competitive rates
     

These advantages help businesses lower costs while employees enjoy meaningful support.

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Flexible Coverage Options

We know one size doesn’t fit all. That’s why WhealtheOptions plans are:
 

  • Available as level-funded or self-funded models

  • Supported by Cigna and First Health PPO networks or RBP with PHCS (Claritev)

  • Designed with optional HRA strategies and HDHP options for HSA eligibility

  • Scalable for groups as small as 25 lives 
     

With us, employers can adjust plans to fit their budget while employees have more choice.

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Built-In Support

Every plan comes bundled with resources at no additional net cost:
 

  • 24/7 Telemedicine access (including Mental Health)

  • Personal Health Dashboard™ with:
    Wholeistic™ Coaching, Start Living 2.0, Employee Assistance Program, Identity Theft Protection, Biometric & DNA Kits

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

  • A dedicated patient advocacy team to guide members toward high-value providers
     

These services simplify the healthcare experience and give employees more confidence in managing their health.

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