INSURANCE SIMPLIFIED
One monthly payment, no matter what
Level funding offers one consistent monthly payment, regardless of your actual monthly claims, along with lower taxes. And you may even get money back at the end of the year.
WHAT TO EXPECT
How does level funding work?
First, we'll work with you to figure out the coverage that's right for you, your employees and their families — the same way we always have.
Pick your plan
You can build plans 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.
Save
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.
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 administrative services does my company's monthly payment cover?
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