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Plans & Benefits - Funding Options

We offer several funding options based on your group's size and needs:

Community Rated

  • Method of establishing premium rates where the rate is the same for all subscriber/members within the community pool of people
  • Community rating is available to groups of 50 and fewer eligible employees

Experience Rated

  • Method of determining premiums based on the cost and use of benefits of specific groups
  • Experience rating is available to groups with 51 or more eligible employees

Administrative services only (ASO) contract

  • A contract under which the employer self-insures the medical expense and pays a fee to have claims and customer service administered
  • The employer funds the medical costs with or without separate stop-loss coverage which addresses catastrophic risk
  • Available to groups with 250 or more eligible employees