MODULAR SOLUTION

Tried to visit your doctor lately?   

The high deductibles being forced on your employees mean that many physician visits are out of pocket.  Under this voluntary program, your employees have access to acute direct primary care, chronic disease management, telemedicine and urgent care visits nationwide, with a $10 co-pay for primary care, or $25 for urgent care.  There are no claims, no deductibles, just great care.

And it comes with employer health plan savings generated through the "No-Claims" utilization of the DPC membership, and also significant FICA savings for Employers and Employees through the Indemnity fulfillment.

Have you checked your Specialty Drug pharmacy spend lately?  

Our proprietary program provides Specialty Drugs to your employees for free for those who qualify, as most do.   For those who may not, we offer access to a quite low-cost source, shipped direct to the employee.  100% of the Pharmacy Rebates are returned to our clients, with full transparency. Our clients receive a WRITTEN Guarantee of Savings and turnkey HR support.  Your claims loss ratio and your cash flow will improve under this wholesale claims-avoidance program.    

Another 12 - 17% rate increase this year?

Stop the pain.  Our partner is the world's largest specialty insurance group; they know the difference between wholesale and retail pricing for medical plans.  Their innovation results in deep savings,  savings delivered through a hybrid national healthcare benefits program, which includes Reference-Based Pricing 9RBP) with Opt-Out provisions.

The Medical and Rx Benefit Plan offers a level premium (or self-funded insurance plans) solution where clients can pay predictable premiums just as would occur in a fully-insured environment, with the cash savings benefits of a self-funded plan.  RBP caps medical costs at 150% of Medicare.