The Protect Plans

Safe and Simple Fixed-Cost Self-Funded Medical Coverage plus Refund Assisters

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Heads You Win. Tails You Don’t Lose.

That’s why more small and mid-size businesses are switching to fixed-cost, self-funded medical plans.

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Fully-Insured Coverage

With traditional fully-insured coverage, employers pay a lump sum to a carrier. There’s no further premium obligation regardless of the claims incurred by employees and their dependents. When claims are less than expected the carrier keeps the difference.

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Fixed-Cost Self-Funded

With fixed-cost self-funded medical plans, employers pay a lump sum to a third party administrator. There’s no further payment obligation regardless of the claims incurred by employees and their dependents. When claims are less than expected, however, employers receive the surplus. All of it.

The Protect Plans: A Different Kind of Health Care Coverage

The Protect Plans deliver all the value of a fixed-cost, self-funded plan. Then we deliver more. We offer Refund Assisters to help make members healthier and to help make a refund more likely. Our goal is simple: help improve the health and well-being of employees and the financial health of of employers.

Understand how you can win with The Protect Plans. View the Infographic »

Once you’re enjoying the benefits of the Protect Plan and our unique Refund Assisters, you’ll have access to online tools to get the most out of your coverage and to maximize your health care savings.