innovative methods of funding group health care plans with services that create savings and enable greater understanding and control of health care costs.

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High Deductible Health Plans
Purchase a Qualified High Deductible Health Plan (QHDHP).
Set-up a Healthcare Reimbursement Arrangement (HRA) to pay part or all of the employee deductible (See Examples).
Employees create tax-saving Healthcare Saving Accounts (HSAs) or
Flexible Spending Accounts (FSAs) to pay qualified expenses.

Partial or Fully Self-funded Plans
Create your own plan document outlining benefits, set an amount of the participant claims that you're comfortable paying, and purchase reinsurance to pay any amount thereafter. Or, buy no reinsurance and fully fund the entire plan.

Health Care Management Services
Actuarial & Underwriting Services
Hospital Bill Audit / Medical Peer Review / Quality Assurance
Medical Case & Risk Management
Medical Claims Processing
Plan Consulting & Design
Third Party Administration
Utilization Tracking & Reporting
Birkman Relational Management