SELF-FUNDED HEALTH PLAN SOLUTION Ideal for small businesses with 25 to 199 employees
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- Erick Watts
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1 SELF-FUNDED HEALTH PLAN SOLUTION Ideal for small businesses with 25 to 199 employees Group Plan Solutions - Level Funded Small Group Plan Having trouble navigating the maze of self-funded insurance plans out there? We ll help you find your way...
2 WHAT IS A LEVEL-FUNDED PLAN? Benefits that go Beyond the expected for you and your employees. An aggregate-only level-funded plan brings together the advantages of self-funding, the limited liability of fully insured plans, and the safety of fixed premiums to create an alternative to fully insured plans that is very attractive to both employers and health plan sponsors. If your current plan is fully insured, you would still only make one predictable monthly deposit, which would cover your administrative costs, stop loss premium, and claim fund. With the GPS level-funded plan, you manage your costs, you own your claim data, you control your plan, and you save money. GPS s plan is an innovative approach to employee benefits that provides employers of employees with the benefits of self-funding without the cash flow risk!
3 HOW CAN A LEVEL-FUNDED PLAN HELP? Are You Paying Too Much? Is your business paying too much for health insurance even though you have average or better health experience? See how a level-funded plan from GPS can make a difference for you: Experience the security of a fixed monthly payment. Make better health plan decisions with access to detailed claims information. Take advantage of a year-end surplus for businesses with good claims experience. Eligibility is a breeze! As long as you have between employees, your group has health claims experience that s average or better, and your current health plan is fully insured, you qualify for GPS s levelfunded plan.
4 EXPLORE THE ADVANTAGES Explore the advantages of a level-funded plan from GPS. Flexibility: GPS offers every employer great flexibility. If you like your current plan, GPS can help you keep as much of it as possible. And, your plan is immediately ACA-compliant. Control: Self-fund your benefits plan with the complete confidence and control you enjoyed under your fully insured plan. No Lasers: Unexpected laser liability is a thing of the past with GPS s level-funded plan. Monthly and annual maximum limits ensure that you ll never have to pay more than you expect for claims. Cost Savings: The profit margins that are usually included in fully insured premiums stay in your pocket. Fixed Monthly Premiums: GPS s levelfunded plan is an aggregate-only plan that caps the employer s cash flow liability to a fixed, budgetable amount each month. This amount covers your claims reserve funding, stop loss premium, and administrative costs. If the benefits paid by the plan in a single month exceed the monthly maximum, the stop loss policy will take care of the overage.
5 STAY IN CONTROL OF YOUR HEALTH PLAN Possible Year-End Surplus: If actual annual claim payments are lower than the year-end aggregate deductible, the surplus funds remain in your account. Detailed Reporting: Monthly claim reports give employers the tools to see exactly how every dollar has been spent. GPS s reporting features give you the data you need to make informed decisions about your plan well into the future. URAC-Accredited Medical Management: GPS s partners are best in class. Our medical management through MCM is URAC-accredited. GPS also uses Centers of Excellence whenever applicable. No Surprises: Your cash flow liability is capped so cash flow will not be stressed. With a GPS level-funded plan that fits your business, you will be on your way to many years of successful plan management. Access to Quality Providers: Choose the providers that work for you from our broad network of quality health care professionals, hospitals, and facilities.
6 PLANS THAT GO BEYOND THE EXPECTED. Let us create a level-funded plan that goes Beyond the expected for you and your employees. Getting a quote is easy. Just provide us with the following information: Group census information including date of birth, gender, coverage status, and zip code for each employee. Group demographics including company name, addresses of all locations, and industry or SIC code. A current schedule of benefits Current and renewal fully insured rates. Claims experience or completed health questionnaire.
7 GET A QUOTE Are you ready to start planning? Contact Terrie Strebing to get started with a Level-Funded Small Group Plan from Group Plan Solutions today. Terrie Strebing TPA Administrator , Extension 2763 tstrebing@groupplansolutions.com Group Plan Solutions Benefit Administration, a division of Pekin Life Insurance Company, is a Third Party Administration service assisting and guiding you through the maze of employee benefit options in today s health care marketplace.
8 OUR FOCUS Group Plan Solutions Benefit Administration, a division of Pekin Life Insurance Company, is a Third Party Administration service assisting and guiding you through the maze of employee benefit options in today s health care marketplace. Our focus is to give you the personal attention you need with the following services: Administrative Services Health Benefit Administration Dental Benefit Administration Vision Benefit Administration Flexible Spending Health Reimbursement COBRA Employer Stop Loss Prescription Benefit Management PPO Selection Assistance Medical Management Utilization Review Disease Management Predictive Modeling Reporting Monthly, Quarterly, Semiannual, and Annual Reports Customized Reporting Ability TPA236 (Rev ) 2505 Court Street Pekin, Illinois
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