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Funding Options
| Funding Option |
Features |
Benefits to Your Clients |
| Fully Insured |
- Full premium paid monthly
- Rates are predetermined and guaranteed
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- Predictable expenses that are easy to budget
- Protection from high claim costs
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| Fully Insured - Participating |
- Full premium paid monthly
- Rates are predetermined and guaranteed
- Year-end settlement
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- Predictable expenses that are easy to budget
- Protection from high claim costs
- Low claim can earn clients cash back at year end
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| Minimum Premium |
- Lower premium paid monthly
- Clients fund claims through a bank account
- Year end settlement
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- Predictable expenses that are easy to budget
- Protection from high claim costs
- Low claim can earn clients cash back at year end
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| Administrative Services Only |
- No monthly premium or premium taxes paid, just an administrative fee
- Exempt from most state regulations and mandates on coverage levels
- Stop loss coverage available
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- Maximizes cash flow
- Freedom to design health benefits the way your client wants
- Financial protection against unanticipated, catastrophic claims
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