Proudly offer an affordable benefit

 A high performing patient centered health plan can be transformational for your organization.  School districts become the go to destination, are wage competitive and demonstrate fiscal responsibility to their taxbase avoiding or if need be, enabling future referendums.  Municipalities perform similarly.  Private employers can focus on attracting the top talent, retaining it, rewarding employees with higher wages or other fringe benefits, not to mention have a higher growth trajectory.  

The unfortunate truth behind current annual increases of insured plans it takes a significant increase in top line revenue with margins of near 10% to overcome 8.5% health insurance increases.  Why stress to meet this need or worry about losing good talent when you can have a partner help you prevent this with our plan?

VIP high quality service. Clinical and financial performance that matches your company products and services. Affordability.  Health care costs are a top 3 line item on the P&L.  Ensure your aligned with a fiduciary-minded plan that doesn't outstrip inflation. Tired of wage stagnation due to higher costs in healthcare and losing employees?  So are we.  It. Stops. Now.

Fully insured plans are opaque and low quality.   Having a trustworthy partner that shares data and information appropriately to manage performance and costs is a strategy that is sustainable.  Repeating annual renewals due to predictability and consistent payments will double your costs at current trends every 8 years.  The medical loss ratio is flawed and designed to retain your business in a losing proposition for you.

Our plan is based on advanced direct primary care that affords relationships with patients, off hours access integrated with a seamless self funded insurance environment that works for you and your plan members so you get the best clinical care at the best price.   We work with local networks and independents with white glove service, so you have a known trusted medical professional throughout your care journey.  It's important to us that the member experience is excellent and seamless.  Our Net Promotor Score of 90 is proof.

This is a rapidly growing problem and a disturbing trend of near 20-30% of total plan year cost.  We have  clinical pharmacists, point of care dispensing, mail order and specialty drug solutions that are married to our independent PBM and TPA partners.

Our advanced primary care navigation ensures a seamless experience, a data drive population health approach that is preventative, proactive, engaging and personalized.  We deploy several best in class disease management and lifestyle medicine programs that your employees will love.  You will become the employer of choice when we are aligned in partnership.  Employees work for companies that partner with us and stay due to the benefit.

We strongly believe in what we preach and our services reflect that.  Embedded in our program, is a full suite collaborative care mental health practice that brings access to a critical access and shortage area of health plans.  It's also a requirement that you are compliant with the Mental Health and Addiction Equality Act.  We meet and exceed this requirement so your workforce has access to evidence based medicine, therapists and psychiatrist support proactively and when it's needed.

A successful proactive and agile strategy to mitigate the risk of high dollar claims are a foundational element to our plan.  ER Visits and Hospitalizations can consume 60% or more of annual plan spend.  Ensuring high value care, eliminating or drastically reducing these buckets and a trusted medical professional to ensure gaps in care during transitions don't result in overuse or rehospitalization are a few key focuses of ours.