Traditional insurance with predictable, comprehensive coverage that includes fixed monthly premiums with carrier risk assumption. Complete regulatory compliance management while providing access to comprehensive medical, dental, and vision networks.

Gain maximum control and potential savings through direct claims cost management with stop-loss protection. These plans offer customizable plan design and benefit structures, as well as detailed claims reporting and cost transparency to help you make informed decisions.

The best of both worlds approach combines self-funded benefits with fully-insured predictability. You get monthly budget certainty with year-end surplus potential, making this an ideal transition option from fully-insured to self-funded models.