Self funded or Level funded medical plans may be a huge win for companies in 2015. Not only do they seem to price out very favorably, during a good year a company can receive a refund on their unused premium. It’s been our experience that most potential clients for these plans have misconceptions about the risk factors and how the plans work. Today they are designed to cover past loop holes. Agents are able to customize the plans to match a company’s current plans, offer very strong networks and provide quarterly progress reports on the plans usage. Any company with 50 employees or more should be researching these as an option.
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