FOR SELF-FUNDED AND LEVEL-FUNDED EMPLOYERS
Take back control of your health plan.
Most premium increases come from care your insurance plan was never designed to absorb. We build a direct pay layer underneath the insurance plan so claims drop, renewals stabilize, and your employees actually use the benefit. Hassle Free Healthcare. Built to Be Used.
What We Evaluate.
When you bring us a plan, we look at five things, and we do it fast.
Stop-loss performance and renewal strategy
Pharmacy exposure, with a specialty drug focus
Network configuration and access
Funding model and plan design
Vendor coordination and member experience
Our Process.
1. Structured RFP
You submit. We log the data, no PHI surprises.
2. Stop loss market bidding.
We shop the underwriters who actually quote groups like yours.
3. Pharmacy carve-out evaluation.
We separate the wheat from the PBM spread.
4. Plan redesign modeling.
We build the math before we touch the plan.
5. Strategic presentation.
Clear options. Real numbers. A next step you can actually take.
The Results.
Our typical groups see 30 to 40% in total cost savings in year one. One Florida group with 2,700 lives reduced projected annual cost by $8.2 million without changing carriers.
Four Outcomes.
Lower premiums, because the plan stops absorbing care it was never built for
More predictable renewals, because the math is in your favor
Lower claims volatility, because Tier Zero handles the high frequency stuff directly
A simpler member experience, because employees can actually find a doctor
Tier Zero.
The layer of healthcare your insurance plan was never built for.
Tier Zero is the layer of healthcare that sits below your insurance plan. It pays for direct primary care, virtual urgent care, behavioral health, generic pharmacy, and basic labs directly, before any of it becomes a claim. We invented the term. We build it into every plan. See how Tier Zero works.
Submit a Plan Review Request.
Bring us your last renewal, your last 12 months of claims data, and 30 minutes. We will show you what a Direct Pay Designs plan would actually look like for your group.
Hassle Free Healthcare. Built to Be Used. Rebels with a Blueprint, designing the health plan your renewal has been waiting for.
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