Level-funded medical & pharmacy benefits built for better outcomes
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A more transparent alternative to fully insured coverage
Level-funded financing helps employers better plan and manage healthcare budgets.
Gain visibility into both medical and pharmacy spending.
Reduce complexity through a more unified administration model.
Create a smoother healthcare journey with integrated support and navigation.
What is a level-funded health plan?
A level-funded health plan combines the predictability of a fully insured plan with many of the advantages of self-funding. Small- to mid-sized businesses (SMBs) benefit administrators can benefit from increased financial efficiency and improved visibility into plan performance.
Employers make consistent monthly payments that cover:
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Medical claims funding
Pharmacy claims funding
Administrative services
Stop-loss protection
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How does a level-funded health plan work?
A level-funded health plan allows employers to pay a fixed monthly amount while gaining greater visibility into healthcare spending. Unlike traditional fully insured plans, employers can see where healthcare dollars are being spent and identify opportunities to improve outcomes and reduce costs.
Depending on plan performance, employers could also receive a refund or rate credit at the end of the plan year.
Why unite medical and pharmacy benefits?
One Source of Truth
Increased Visibility
Stronger Member Support
Better Cost Control
What's available in Judi Equilibrium:
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FAQ
Frequently asked questions
What is a level-funded health plan?
A level-funded health plan combines predictable monthly payments with many of the advantages of self-funded health benefits. Employers gain more visibility into healthcare spending while maintaining financial protection through stop-loss coverage.
What is the difference between a level-funded plan and a fully insured plan?
Fully insured plans typically provide less visibility into healthcare spending because the insurer assumes the claims risk and manages the data. Level-funded plans provide greater transparency and allow employers to better understand how healthcare dollars are being spent.
Does Judi Equilibrium include both medical and pharmacy benefits?
Yes. Judi Equilibrium combines medical and pharmacy benefits into a single level-funded solution, helping employers eliminate data silos and gain a more complete view of healthcare costs and utilization.
Who is a level-funded health plan best for?
Level-funded health plans are often a good fit for employers, municipalities, school districts, labor unions, and other plan sponsors seeking more cost control, greater transparency, predictable budgeting, and an alternative to traditional fully insured health insurance.
Why combine medical and pharmacy benefits?
Medical and pharmacy costs are deeply connected. Combining both benefits creates a single source of truth for reporting, improves visibility into total cost of care, and helps organizations make more informed healthcare decisions.
