Self Funding And Level Funding

THE FREE ENTERPRISE SOLUTION TO HEALTH CARE REFORM

Alternative Benefit Funding is a new approach to group health insurance that allows mid-sized employers to take advantage of the same economic benefits that large, self-funded employers have utilized for years.

To help illustrate this concept, consider the following analogy: traditional fully-insured health insurance place are like a fixed-cost bill such as your internet bill at home, but self-funding and level-funding are based on/a direct reflection of usage, just like your electric bill each month.

IMPROVING HEALTH – CONTROLLING COSTS

Alternative Benefit Funding is a self-funded approach with stop-loss insurance at relatively low attachment points to protect smaller employers from significant risk and exposure to large claims. Alternative Benefit Funding focuses on two overriding principles:

• Reduce the severity (cost) of claims your company will have.
• Reduce the frequency (number) of claims your company has overall.

By strictly adhering to these two overriding principles, Alternative Benefit Funding will help your company to proactively manage your health care program, not reactively adjust to it. Alternative Benefit Funding focuses on a “Pro-Active” approach with the goal of helping people before they become a claim-rather than waiting until they require medical intervention.

In contrast to a traditional program that focuses on managing a specific disease or condition, alternative benefit funding focuses our plan on the “Whole-Person” model to minimize claims that do happen and eliminate claims that shouldn’t happen.

The ultimate goal of alternative benefit funding is to reach “at risk” employees before they become a “claim” to the health plan.

Alternative Benefit Funding is the solution to meet the demands of many Health Care Reform requirements the PPACA mandated.

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