Premium Saver pairs perfectly with both fully insured and level-funded major medical plans—especially those with high out-of-pocket maximums.

How does it work with level-funded plans?

The Premium Saver acts as a front-end layer of stop-loss protection. It covers many of the initial expenses that would typically hit the primary claims fund—helping shield the level-funded plan from early claims exposure. This added protection reduces the employer's financial risk and oftn results in lower rate increases at renewal.

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For employers, adding the Premium Saver creates more financial stability and predictability, while still providing employees with comprehensive healthcare coverage.