Level-Funded Employee Benefits Insurance
Coming Soon 2025!
Our hybrid solution combines the best aspects of fully insured and self-funded plans, offering the flexibility and cost-effectiveness you need. By incorporating stop-loss coverage, we minimize financial risk, so you have peace of mind. Plus, our transparent approach ensures you see exactly how your healthcare dollars are spent. With the potential for refunds, if claims are below expectations, your investment goes further. And with full administrative support from the Cooperative, you have a dedicated partner managing the details, allowing you to focus on what matters most.
Level-funded plans have a set, or level, monthly cost throughout the year that consists of three categories:
After the end of the year, if your total claims, costs and expenses are less than your contribution for the year, you may be eligible to receive a refund. However, if the total claims, costs, and expenses are more than your contribution, the Cooperative covers the shortfall. The greater financial predictability and lower dollar threshold make level-funding a great option for your business.
When you choose a level-funded plan with the Cooperative, your employees will take advantage of additional benefits, giving them added savings and convenience.
Access over 150 major in-network providers, including leading primary care physicians, specialists, hospitals, and more than 57,000 pharmacies nationwide.
The goal of case management is to make sure you are getting the care that you need to be as healthy as possible. Your case manager will work with you and your providers to understand your health goals and help coordinate services to reach these goals.
Around-the-clock personalized care and support, offering more than just medication delivery. Get expert counseling, available anytime, day or night.
Your employees can connect with doctors 24/7 via phone or video—whether at home, work, or while traveling—giving them immediate access to care.
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