Level Funded

The Select Level Funded Plan Administered by Meritain Health

The Select Plan is our level funded product, administered by Meritain Health (an Aetna company). Level funding is a funding model that allows smaller firms to enjoy the benefits of self-funding while minimizing risk. Firms pay a premium to a third-party administrator (TPA) which includes a fee to manage claims and enrollment.

At the end of your policy period, if your firm had fewer medical and pharmacy costs than expected, you will receive 100% of the remaining funds back*. If your employees’ health care costs are higher than expected, you’re covered by the financial strength of the Trust. We’re able to offer these plans to firms who have an office in any of the 31 blue states in the adjacent map (certain restrictions may apply). Click here to contact the Trust about our level funded plan.

*Firm must renew with the Trust and be eligible to receive an experience refund

Stop Loss

The Advantage Plan is a stop loss reinsurance product for large firms that self-fund their insurance. Our plan is administered by Summit Re and backed by the financial strength of the Trust. We offer plans with specific deductibles as low as $50,000 and offer the following features:

  • Discounts for preferred Third Party Administrator (TPA) partnerships

  • Option to keep your current provider network and TPA

Specialty

Specialty coverage includes Dental, Vision, Life and Disability insurance. Depending on your location, our specialty products are administered by UnitedHealthcare or Guardian Life Insurance Company, which both provide Trust members with a broad network of dental and vision providers. Firms may be eligible for significant savings when medical and specialty coverages are bundled through the Trust.