Our large group insurance plans can be backed by fully insured, self-insured or level funded funding models.

• With our self-insured plans, we also offer 12-month aggregate and specific stop-loss insurance, protecting your company from unexpected costs above and beyond your maximum liability. Coverage can extend to 24 months through our Assure℠ plan (PDF) or ReAssured℠ plan (PDF) options – all providing budget security and added peace of mind.
• If you’re looking for a self-insured plan with the cash flow certainty of a fully insured plan, our level funded Balance plans (PDF) may be a great fit. Each month, you pay a “level amount,” including an administrative fee, stop-loss premium, and an estimated amount for claims based on a maximum or worst-case scenario. If claims come in above the estimated amount, you don’t owe anything additional. If claims come in below the estimated amount, you’ll receive 50% of the surplus at settlement time once you renew.

Choose from a variety of plans and health account options for your employees, including:

All our fully insured and self-insured group plans for large and mid-sized businesses offer high-quality health insurance options that have comprehensive benefits and coverage. We’ll be there every step of the way to make sure you get the most out of your plan.

Specific benefits and coverage levels vary by plan, but all non-custom plans include:

• 100% preventive care coverage, including routine checkups, immunizations, screening and counseling
• Prescription drug coverage with an actively managed, cost-effective formulary (drug list)
  • Formulary insulin covered with no member cost-sharing after a $25 benefit cap per fill
  • RxRevealed Guarantee, which ensures you’ll never overpay for pharmacy benefit management
• Coverage for telemedicine services such as Teladoc, Doctor on Demand and UnityPoint Health Virtual Care, with many plans offering access to Virtuwell , our 24/7 online clinic
• Out-of-network coverage, with urgent care and emergency care covered at in-network levels
• Compliance with the Affordable Care Act (ACA)

Our teams are dedicated to collaborating closely with you to understand your company’s and your employees’ unique needs. Many of our plans include value-added services such as virtual health support, well-being resources, pharmacy navigation and more – available at no extra cost.

We’ll work together to discover which services and resources may be a good fit, and we’ll help your employees take charge of their plan so they can work to stay healthy and happy. Some of our services and resources include: