Funding Options

We offer employers a number of ways to fund their health benefits, allowing them to choose the financial solution that best meets their cash flow and risk needs.

Funding Option Benefits Risk Level
Fully Insured
  • Complete protection from high claims
  • Predictable expenses that are easy to budget
 Less Risk
Balanced Fund
  • Predictable expenses that are easy to budget
  • Low claims can yield year-end cash back
  • Losses and gains limited to a specific percentage
  
Refund Eligible
  • Predictable expenses that are easy to budget
  • Limited losses
  • Gains not capped to a specific percentage
  • Receive refund as cash or as a credit against future premiums
  
Blue Edge / Level-Funding
  • Predictable monthly rates
  • Flexibility to pass on certain costly state mandates
  • Year-end accounting
  
Cost Plus
  • Retain more control of your health plan benefits spending
  • Receive immediate benefit of a favorable claim experience
  • Receive cash back for any claims paid over the Aggregate limit
  
Administrative Services Only (ASO)
  • Fund claims only as they occur
  • Flexibility to pass on certain costly state mandates
  • Immediate realization of favorable claims experience
 Higher Risk

 

Not Sure What Option is Best for You?

Blue Cross Sales Executive with customer

Contact us to learn more about our plans

Khifer O'Connor, Sales Executive

Hours

Monday - Friday: 8:00am to 4:30pm