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Small business health insurance made easy

Level funding offers your clients one consistent monthly payment, regardless of actual monthly claims, along with lower taxes. And they may even get money back at the end of the year.


One payment


Always the same amount


A chance to get money back

Why BlueCross BlueShield of Tennessee?


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How level funding works

First, we’ll work with your clients to figure out the coverage that’s right for them, their employees and their families – the same way we always have.

Pick your plan

We have many plans to choose from — ranging from HSA-compatible plans to plans with copays. All are available on Blue Network SSM or Blue Network PSM.

Head-to-toe coverage

Level funding includes medical, pharmacy and wellness coverage with the same access to clinical management programs and consumer tools as our fully-insured plans.*

Simple funding

Once you've chosen the plan(s) you want, we set a fixed monthly payment amount that includes administrative expenses, stop-loss coverage and expected claims.


If your total incurred claims costs are lower than your claims funding payments, you’ll share in a surplus credit upon renewing.

Level funding may not be right for all groups. Each group will be subject to underwriting review for a level-funded quote.
* Level-funded plans don't include pediatric dental and vision coverage or lifestyle health coaching.

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Level Funding FAQs

We're here to help you understand how easy it is to offer a level-funded health plan for your employees. We've included answers to some common questions below. Please call us if you don't see your question.

What is level funding?

Level funding is self-funded health insurance with a fixed monthly payment covering administrative expenses, stop-loss coverage and expected claims.

Which businesses can purchase a level-funded plan?

Businesses with 5-150 employees in Catoosa, Dade and Walker counties in Georgia can purchase level-funded coverage.

What administrative services does my company's monthly payment cover?

Administrative services include:

  • Claims & Billing Administration
  • COBRA Administration {if applicable)
  • Network Access
  • Medical Management
  • 24/7 Nurseline
  • 24/7 App-based Telehealth
  • Healthy Maternity
  • NICU Care Management
  • Wellness rewards

What kind of reporting do you offer for level-funded plans?

Your clients will get a look at their year-to-date claims and how they compare to their payments. This helps them know what to expect at the end of the year, making it easier to plan for next year’s spending.