Choosing the Right Health Plan is Crucial

A health plan can be an integral part of a benefits strategy. Our goal is to meet the needs of each business while controlling costs.

We work with these carriers

Cigna
Aetna-logo

Your Health is Very Important

Make Your Health Insurance

Important

Offer your Clients a Choice

Employers setting up a health plan need consider both the type of health plan to offer, and how the health plan will be structured.

Fully Insured

The traditional way to structure an employer-sponsored health plan is to use a fully insured plan. Under such a plan, the company uses an insurance carrier and pays a premium. The premium rates are fixed for a year, paid monthly, and are based on the number of employees enrolled—they only change during the year if the number of employees changes.

Self Insured

Self funding offers employers a powerful, practical alternative to traditional insurance. It allows employers to directly fund their actual claim costs while limiting their risk with the purchase of stop-loss insurance. Employers consider self-funded because it allows them to save the profit margin that an insurance company adds to its premium for a fully-insured plan.

Have questions? Speak with one of our insurance experts to find the right coverage for your business

Want to learn more about fully insured vs. self funded health plans?

We are here to help!

Download our Comprehensive Guide Guide now!

Cennairus HP-Guide2