Health Insurance

Health Insurance
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Our intimate knowledge of benefit design, claims processing, utilization review, and disease management bring a well-rounded perspective on our commitment to meeting the needs of the employers who pay for care, the employees who receive care, and the providers who deliver care.

Health Insurance

We utilize our extensive experience and knowledge of benefits to help our clients determine the best benefit solutions for their employees. Having all healthcare delivery services “in-house” affords us perspectives to assure efficiency, cost effectiveness, and quality, as well as, the ability to implement, rather than merely suggest, the best solutions.

A key attribute is our flexibility. We work with each client to develop plans that assure cost savings and member satisfaction. We recognize that each client is different and therefore, design plans specifically tailored for their unique needs.

Is self-funding right for you?

Is self-funding right for you?

In a traditional fully insured health plan, the insurance carrier collects premiums and pays claims based on the benefits of the policy purchased. Under this model, the insurance carrier retains any unused premium. Much like a traditional fully insured plan, self-funded plans have fixed costs such as administration fees and stop-loss premiums which are collected monthly based on plan enrollment.

According to a recent survey by the Kaiser Family Foundation, over 59% of the US workforce is covered by a self-funded medical plan. The following are just a few reasons why employers select self-funding:

  • Increased Financial Control
  • Lower Costs
  • Greater Flexibility
  • Cost Management
  • Information Management
  • The only way to know for sure if your organization can benefit from self-funding is to analyze your existing plan design and recent claims experience. Gateway Health provides this analysis at no cost or obligation. Contact us to learn more!