Reaching Greater

Financial Heights

Self-funding

Self-Insuring Success

Regain Financial Control

self-funding

It is estimated that 40% of companies with over 100 enrolled employees are self-funded. Over the next 5 years, this figure is estimated to reach 75%.

Business owners, CEO’s and CFO’s are searching for cost containment strategies, alternative funding solutions and improved plan designs for their healthcare investment. Corporate Healthcare Financing is more than a strategic partner & advisor, we build years of trust with our clients by looking out for their best interests financially when it comes to corporate healthcare benefits and for the health of their employees.

The Unfair Advantages of being Self-Funded

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Cash Flow Protections

Cash flow safeguards are at the heart of all of our self-insured plans. We incorporate the strongest stop loss contracts, aggregate accommodation provisions, advanced funding protections, large claim stopping points, and run-out limits.

Predictable Renewal

Predictable Renewals

Hands down, being Self-Funded will beat industry trends year-over-year. Each month, CHF provides in-depth claims analysis that is used in monthly financial reporting, pre-renewal planning and in securing a highly competitive renewal.

Financial Surpluses

Being Self-Insured allows every unspent claim dollar to remain in the company’s healthcare account. These surplus funds can be used in lowering premiums, deductibles, out-of-pocket costs and pay for future claims. Reserves can also be used to fund company wellness programs and healthy living incentive programs.

Customized Plans

A customized healthcare plan improves employee satisfaction, increases positive health outcomes and lowers plan costs. CHF is highly skilled in evaluating plan designs, making value added recommendations and keeping an eye on new industry trends that create richer plan features, happier employees and a more comprehensive offering.

National Networks

A national network of doctors, clinics, hospitals and outpatient facilities deliver unparallel access, discounts and member satisfaction. CHF has a keen focus on implementing the best networks, such as, UHC Choice Plus, Aetna Choice POS II and CIGNA Open Access to provide the highest level of access and care throughout the US.

Centers of Excellence & Quality

National networks today offer institutes of excellence and quality in Transplant Support, Pediatric Heart Surgery, Bariatric, Cardiac, Orthopedic, Behavioral and now some Genetic Conditions. These medical centers meet the highest standards of care, quality and patient success.

Best in Class TPA’s

CHF has built a collation of the most successful Third Party Administrators in the country. Our TPA relationships provide the highest client satisfaction with reduced costs in managing claims, expanded benefits management, and COBRA administration on a global platform.

Top Rated Reinsurance

Reinsurance provides the financial cornerstone to a Self-Funded healthcare plan and CHF has assembled direct relationship with senior underwriters at direct carries, MGU’s, and reinsurance wholesales in all US markets.

PBM

Since 2014, prescription drug prices in the US have increased by 33%. As of 2020, specialty medications accounted for 52% of the total US drug spend. Being self-insured empowers a host of cutting-edge pharmacy cost containment strategies without limiting your formulary or using step therapy.

Data Access

The value of owning, accessing and analyzing your claims data is an essential advantage of being Self-Funded. At CHF, we utilize this powerful data to gain an upper hand for our client in lowering financial risks, controlling plan costs, and securing the most competitive stop loss contracts in the business.

Predictive Modeling

In today’s data driven universe, evidence-based models can capture the cost drivers within your healthcare plan and provide a pathway to tremendous savings and to a healthier workforce. At CHF, we use actuarial analysis to explore healthcare costs, utilization trends as well as the financial impact of preventive care.

Preventive Care

Healthy living and reaping financial rewards are without a doubt through preventive care. Annual check-ups, immunizations, flu shots as well as certain tests and screenings are just a few of the preventive care measure within a CHF Self-Funded plan.

Ancillary Offerings

CHF evaluates, recommends and implements comprehensive ancillary offerings, such as Dental, Vision, Life, Short Term and Long Term Disability for your Self-Funded plan.

COBRA Admin

All of our customized self-insured plans include the best and brightest in COBRA administration. The complexity of COBRA administration has grown exponentially due to the pandemic and CHF will assist in navigating the changing landscape.

Compliance Guidance

Self-Funded plans are governed under Federal ERISA law and CHF has extensive knowledge and experience as a trusted partner to help guide our clients through complex questions and concerns over changing rules and regulations.